Nu Holdings Ltd (NU) is overvalued and PNC Financial Services Group Inc (PNC) is slightly undervalued.
Against our estimates of intrinsic value, PNC trades at the wider discount: a margin of safety of +6%, against -86% for NU.
Values as of the 19 Oct 2026 close.
Book value at 2.50x, the multiple a 31.6% return on equity justifies, blended with earnings, values the shares at $7.80; the price of $14.51 is 86% above that value.
Leak Score 62/100 on 8 of 12 signals
Book value at 1.48x, the multiple a 13.0% return on equity justifies, blended with earnings, values the shares at $229.03; the price of $216.21 is 6% below that value.
Leak Score 39/100 on 11 of 12 signals
| Metric | NU | PNC |
|---|---|---|
| Verdict | Overvalued | Slightly undervalued |
| Price | $14.51 | $216.21 |
| Intrinsic value | $7.80 | $229.03 |
| Margin of safety | -86% | +6% |
| Leak Score | 62/100 (8/12) | 39/100 (11/12) |
| Market cap | $70.1B | $86.3B |
| Revenue growth, 5 years | 86.2% | 13.2% |
| Operating margin | 24.5% | 26.8% |
| Net margin | 20.2% | 20.7% |
| Return on equity | 31.6% | 13.0% |
| Debt to equity | 3.17 | 1.28 |
| P/E | 19.8x | 11.5x |
| Forward P/E | 12.9x | 10.1x |
| P/B | 5.3x | 1.4x |
| Dividend yield | — | 3.4% |