Head to Head Contrast: NU (NYSE:NU) vs. CCUR (OTCMKTS:CCUR)

CCUR (OTCMKTS:CCUR) and NU (NYSE:NU) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, valuation, analyst recommendations, institutional ownership, profitability, dividends and earnings.

Profitability

This table compares CCUR and NU’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CCUR	N/A	N/A	N/A
NU	15.11%	27.00%	4.19%

Risk & Volatility

CCUR has a beta of 415, indicating that its stock price is 41,400% more volatile than the S&P 500. Comparatively, NU has a beta of 1.15, indicating that its stock price is 15% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for CCUR and NU, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CCUR	0	0	0	0	N/A
NU	0	3	6	0	2.67

NU has a consensus price target of $14.74, suggesting a potential upside of 11.28%. Given NU’s higher possible upside, analysts plainly believe NU is more favorable than CCUR.

Dividends

CCUR pays an annual dividend of $0.48 per share and has a dividend yield of 0.0%. NU pays an annual dividend of $1.67 per share and has a dividend yield of 12.6%. NU pays out 642.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Valuation and Earnings

This table compares CCUR and NU”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CCUR	N/A	N/A	N/A	N/A	N/A
NU	$7.25 billion	8.73	$1.03 billion	$0.26	51.08

NU has higher revenue and earnings than CCUR.

Insider & Institutional Ownership

80.9% of NU shares are held by institutional investors. 1.9% of CCUR shares are held by insiders. Comparatively, 1.2% of NU shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

NU beats CCUR on 8 of the 11 factors compared between the two stocks.

About CCUR

CCUR Holdings, Inc., through its subsidiaries, engages in the merchant cash advance (MCA) and real estate businesses. The company provides advances on future merchant receivables, as well as sources syndication capital and merchant leads for MCA funders; and reporting and other administrative services. It also offers commercial mortgages loans to local, regional, and national builders, developers, and commercial landowners; and acquires, owns, and manages a portfolio of real estate properties for development. The company was formerly known as Concurrent Computer Corporation and changed its name to CCUR Holdings, Inc. in January 2018. CCUR Holdings, Inc. was founded in 1966 and is headquartered in Duluth, Georgia.

About NU

Nu Holdings Ltd. provides digital banking platform and digital financial services in Brazil, Mexico, Colombia, and internationally. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app; NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.