American Express vs. Nu: Which Financial Stock Is a Better Buy?

American Express and Nu represent two distinct investment approaches in the financial sector. American Express offers stability with $72B in FY2025 revenue, 16% net margins, and $16B in free cash flow, appealing to conservative income-focused investors. Nu demonstrates aggressive growth with 45% revenue growth, 18.1% net margins, and 131M customers across Latin America, attracting risk-tolerant growth investors. Both trade at identical 17.4x forward P/E ratios, but differ significantly in geographic exposure and business models.