QCR (NASDAQ:QCRH – Get Free Report) and NU (NYSE:NU – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, profitability, valuation, analyst recommendations, institutional ownership and risk.
Institutional & Insider Ownership
70.0% of QCR shares are owned by institutional investors. Comparatively, 84.0% of NU shares are owned by institutional investors. 3.2% of QCR shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for QCR and NU, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| QCR | 0 | 2 | 4 | 0 | 2.67 |
| NU | 1 | 4 | 9 | 0 | 2.57 |
Risk & Volatility
QCR has a beta of 0.73, meaning that its stock price is 27% less volatile than the S&P 500. Comparatively, NU has a beta of 0.94, meaning that its stock price is 6% less volatile than the S&P 500.
Earnings and Valuation
This table compares QCR and NU”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| QCR | $603.75 million | 2.79 | $127.19 million | $8.46 | 12.14 |
| NU | $15.77 billion | 4.72 | $2.87 billion | $0.74 | 20.73 |
NU has higher revenue and earnings than QCR. QCR is trading at a lower price-to-earnings ratio than NU, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares QCR and NU’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| QCR | 22.86% | 12.87% | 1.50% |
| NU | 18.65% | 31.59% | 4.97% |
Summary
NU beats QCR on 10 of the 14 factors compared between the two stocks.
About QCR
QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company’s deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. The company’s loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, it engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.
About NU
Nu Holdings Ltd. is a holding company, which engages in the provision of digital banking services. The company was founded by David Vélez Osorno, Cristina Helena Zingaretti Junqueira, and Adam Edward Wible on February 26, 2016 and is headquartered in George Town, Cayman Islands.
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