Invesaro

Stocks Comparison

American Express vs Nu: revenue, profit, margins and growth compared

American Express brought in $72.2B of revenue in fiscal 2025, Nu $11.5B in fiscal 2024. Revenue changed by +9.5% at American Express and +43.4% at Nu on the year before, so Nu grew faster. American Express kept 15.0% of its revenue as net profit, Nu 17.1%.

Side by side, latest fiscal year

AXPNU
Fiscal year endedFY2025 (December 31, 2025)FY2024 (December 31, 2024)
Revenue$72.2B$11.5B
Revenue growth+9.5%+43.4%
Net income$10.8B$2B
Net margin15.0%17.1%
Free cash flow$16Bn/a
Free cash flow margin22.2%n/a
Earnings per share (diluted)$15.38$0.40
Cash$47.8B$9.2B
Debt$56.4B$1.7B
Price to earnings20.1n/a
Market value$208.6B$66B
Dividend yield1.06%n/a
Rank by revenue in sector#8 of 444 · Finance#59 of 444 · Finance

Over the years

Revenue
AXP FY2018: $40.3BAXP FY2019: $43.6BAXP FY2020: $36.1BAXP FY2021: $42.4BAXP FY2022: $52.9BAXP FY2023: $60.5BAXP FY2024: $65.9BAXP FY2025: $72.2BNU FY2019: $612.1MNU FY2021: $737.1MNU FY2021: $1.7BNU FY2022: $4.8BNU FY2023: $8BNU FY2024: $11.5BFY18FY19FY20FY21FY22FY23FY24FY25
AXP $72.2BNU $11.5B
Net income
AXP FY2018: $6.9BAXP FY2019: $6.8BAXP FY2020: $3.1BAXP FY2021: $8.1BAXP FY2022: $7.5BAXP FY2023: $8.4BAXP FY2024: $10.1BAXP FY2025: $10.8BNU FY2019: -$92.5MNU FY2021: -$171.5MNU FY2021: -$165MNU FY2022: -$364.6MNU FY2023: $1BNU FY2024: $2BFY18FY19FY20FY21FY22FY23FY24FY25
AXP $10.8BNU $2B
Net margin
AXP FY2018: 17.2%AXP FY2019: 15.5%AXP FY2020: 8.7%AXP FY2021: 19.0%AXP FY2022: 14.2%AXP FY2023: 13.8%AXP FY2024: 15.4%AXP FY2025: 15.0%NU FY2019: -15.1%NU FY2021: -23.3%NU FY2021: -9.7%NU FY2022: -7.6%NU FY2023: 12.8%NU FY2024: 17.1%FY18FY19FY20FY21FY22FY23FY24FY25
AXP 15.0%NU 17.1%
Revenue growth
AXP FY2019: +8.0%AXP FY2020: -17.1%AXP FY2021: +17.4%AXP FY2022: +24.7%AXP FY2023: +14.5%AXP FY2024: +9.0%AXP FY2025: +9.5%NU FY2021: +20.4%NU FY2021: +130.4%NU FY2022: +182.2%NU FY2023: +67.5%NU FY2024: +43.4%FY19FY20FY21FY22FY23FY24FY25
AXP +9.5%NU +43.4%
Free cash flow
AXP FY2018: $7.6BAXP FY2019: $12BAXP FY2020: $4.1BAXP FY2021: $13.1BAXP FY2022: $19.2BAXP FY2023: $17BAXP FY2024: $12.1BAXP FY2025: $16BFY18FY19FY20FY21FY22FY23FY24FY25
AXP $16BNU

Fiscal years as each company reports them; the two may end in different months.

Questions about American Express and Nu

Which is bigger by revenue, American Express or Nu?

American Express is bigger by revenue: $72.2B in fiscal 2025, against $11.5B for Nu in fiscal 2024.

Which keeps more of its revenue as profit, American Express or Nu?

American Express had a net margin of 15.0% in fiscal 2025; Nu had 17.1% in fiscal 2024.

Which grew revenue faster, American Express or Nu?

In their latest fiscal years revenue changed by +9.5% at American Express and +43.4% at Nu.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

More comparisons

Compare more companies