NU
Nu Holdings Ltd.
Banks - Diversified
Market Cap$55.36B
5Y Perf.+54.4%
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Stock Comparison
NU vs SOFI
Revenue, margins, valuation, and 5-year total return — side by side.
SOFI
SoFi Technologies, Inc.
Financial - Credit Services
Market Cap$20.79B
5Y Perf.+3.1%
NU vs SOFI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NU | SOFI |
|---|---|---|
| Industry | Banks - Diversified | Financial - Credit Services |
| Market Cap | $55.36B | $20.79B |
| Revenue (TTM) | $11.10B | $4.77B |
| Net Income (TTM) | $2.53B | $481M |
| Gross Margin | 45.9% | 75.1% |
| Operating Margin | 25.2% | 11.0% |
| Forward P/E | 16.7x | 27.0x |
| Total Debt | $887M | $1.82B |
| Cash & Equiv. | $13.64B | $4.93B |
NU vs SOFI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NU
SOFI
| Stock | Dec 21 | May 26 | Return |
|---|---|---|---|
| Nu Holdings Ltd. (NU) | 100 | 154.4 | +54.4% |
| SoFi Technologies, … (SOFI) | 100 | 103.1 | +3.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NU vs SOFI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NU leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. SoFi Technologies, Inc. is the stronger pick specifically for recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
NU
Nu Holdings Ltd.
The Banking Pick
NU carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 1.37
- Rev growth 44.8%, EPS growth 90.5%
- Lower volatility, beta 1.37, Low D/E 11.6%, current ratio 0.96x
Best for: income & stability and growth exposure
SOFI
SoFi Technologies, Inc.
The Banking Pick
SOFI is the clearest fit if your priority is long-term compounding.
- 55.5% 10Y total return vs NU's 40.2%
- +28.0% vs NU's +16.4%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NU | 44.8% NII/revenue growth vs SOFI's 28.8% |
| Value | NU | Lower P/E (16.7x vs 27.0x) |
| Quality / Margins | NU | Efficiency ratio 0.2% vs SOFI's 0.6% (lower = leaner) |
| Stability / Safety | NU | Beta 1.37 vs SOFI's 2.54, lower leverage |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | SOFI | +28.0% vs NU's +16.4% |
| Efficiency (ROA) | NU | Efficiency ratio 0.2% vs SOFI's 0.6% |
NU vs SOFI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
NU vs SOFI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNULAGGINGSOFI
SOFISoFi Technologies, In…
1leads
NUNu Holdings Ltd.
4leads
6 Total Categories
CATEGORYLEADERvs SOFIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NU4/5
Valuation MetricsMultiples, price ratios, and targets
NU3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NU9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
SOFI4/6
Risk & VolatilityBeta, volatility, and downside exposure
NU2/2
Analyst OutlookRatings, price targets, and dividends
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Income & Cash Flow (Last 12 Months)
NU leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NU is the larger business by revenue, generating $11.1B annually — 2.3x SOFI's $4.8B. NU is the more profitable business, keeping 17.8% of every revenue dollar as net income compared to SOFI's 10.1%.
| Metric | NUNu Holdings Ltd. | SOFISoFi Technologies… |
|---|---|---|
| RevenueTrailing 12 months | $11.1B | $4.8B |
| EBITDAEarnings before interest/tax | $3.6B | $760M |
| Net IncomeAfter-tax profit | $2.5B | $481M |
| Free Cash FlowCash after capex | $3.7B | -$2.6B |
| Gross MarginGross profit ÷ Revenue | +45.9% | +75.1% |
| Operating MarginEBIT ÷ Revenue | +25.2% | +11.0% |
| Net MarginNet income ÷ Revenue | +17.8% | +10.1% |
| FCF MarginFCF ÷ Revenue | +20.0% | -83.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +45.5% | -56.7% |
NU leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
NU leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 36.2x trailing earnings, NU trades at a 13% valuation discount to SOFI's 41.8x P/E. On an enterprise value basis, NU's 14.8x EV/EBITDA is more attractive than SOFI's 23.3x.
| Metric | NUNu Holdings Ltd. | SOFISoFi Technologies… |
|---|---|---|
| Market CapShares × price | $55.4B | $20.8B |
| Enterprise ValueMkt cap + debt − cash | $42.6B | $17.7B |
| Trailing P/EPrice ÷ TTM EPS | 36.20x | 41.79x |
| Forward P/EPrice ÷ next-FY EPS est. | 16.69x | 26.95x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 14.83x | 23.25x |
| Price / SalesMarket cap ÷ Revenue | 4.99x | 4.36x |
| Price / BookPrice ÷ Book value/share | 9.26x | 1.95x |
| Price / FCFMarket cap ÷ FCF | 24.89x | — |
NU leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
NU leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
NU delivers a 24.0% return on equity — every $100 of shareholder capital generates $24 in annual profit, vs $6 for SOFI. NU carries lower financial leverage with a 0.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to SOFI's 0.17x. On the Piotroski fundamental quality scale (0–9), NU scores 7/9 vs SOFI's 3/9, reflecting strong financial health.
| Metric | NUNu Holdings Ltd. | SOFISoFi Technologies… |
|---|---|---|
| ROE (TTM)Return on equity | +24.0% | +5.9% |
| ROA (TTM)Return on assets | +3.7% | +1.1% |
| ROICReturn on invested capital | +26.0% | +3.6% |
| ROCEReturn on capital employed | +27.4% | +1.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 3 |
| Debt / EquityFinancial leverage | 0.12x | 0.17x |
| Net DebtTotal debt minus cash | -$12.8B | -$3.1B |
| Cash & Equiv.Liquid assets | $13.6B | $4.9B |
| Total DebtShort + long-term debt | $887M | $1.8B |
| Interest CoverageEBIT ÷ Interest expense | 0.90x | 0.45x |
NU leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
SOFI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NU five years ago would be worth $14,017 today (with dividends reinvested), compared to $10,867 for SOFI. Over the past 12 months, SOFI leads with a +28.0% total return vs NU's +16.4%. The 3-year compound annual growth rate (CAGR) favors SOFI at 43.9% vs NU's 34.7% — a key indicator of consistent wealth creation.
| Metric | NUNu Holdings Ltd. | SOFISoFi Technologies… |
|---|---|---|
| YTD ReturnYear-to-date | -14.9% | -40.6% |
| 1-Year ReturnPast 12 months | +16.4% | +28.0% |
| 3-Year ReturnCumulative with dividends | +144.6% | +198.0% |
| 5-Year ReturnCumulative with dividends | +40.2% | +8.7% |
| 10-Year ReturnCumulative with dividends | +40.2% | +55.5% |
| CAGR (3Y)Annualised 3-year return | +34.7% | +43.9% |
SOFI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
NU leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
NU is the less volatile stock with a 1.37 beta — it tends to amplify market swings less than SOFI's 2.54 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NU currently trades 76.3% from its 52-week high vs SOFI's 49.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NUNu Holdings Ltd. | SOFISoFi Technologies… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.37x | 2.54x |
| 52-Week HighHighest price in past year | $18.98 | $32.73 |
| 52-Week LowLowest price in past year | $11.71 | $12.44 |
| % of 52W HighCurrent price vs 52-week peak | +76.3% | +49.8% |
| RSI (14)Momentum oscillator 0–100 | 43.4 | 39.5 |
| Avg Volume (50D)Average daily shares traded | 49.2M | 66.0M |
NU leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates NU as "Buy" and SOFI as "Hold". Consensus price targets imply 41.4% upside for NU (target: $20) vs 28.2% for SOFI (target: $21).
| Metric | NUNu Holdings Ltd. | SOFISoFi Technologies… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $20.48 | $20.89 |
| # AnalystsCovering analysts | 22 | 27 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | 0 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.3% |
Insufficient data to determine a leader in this category.
Key Takeaway
NU leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). SOFI leads in 1 (Total Returns).
Best OverallNu Holdings Ltd. (NU)Leads 4 of 6 categories
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NU vs SOFI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NU or SOFI a better buy right now?
For growth investors, Nu Holdings Ltd.
(NU) is the stronger pick with 44. 8% revenue growth year-over-year, versus 28. 8% for SoFi Technologies, Inc. (SOFI). Nu Holdings Ltd. (NU) offers the better valuation at 36. 2x trailing P/E (16. 7x forward), making it the more compelling value choice. Analysts rate Nu Holdings Ltd. (NU) a "Buy" — based on 22 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — NU or SOFI?
On trailing P/E, Nu Holdings Ltd.
(NU) is the cheapest at 36. 2x versus SoFi Technologies, Inc. at 41. 8x. On forward P/E, Nu Holdings Ltd. is actually cheaper at 16. 7x.
03Which is the better long-term investment — NU or SOFI?
Over the past 5 years, Nu Holdings Ltd.
(NU) delivered a total return of +40. 2%, compared to +8. 7% for SoFi Technologies, Inc. (SOFI). Over 10 years, the gap is even starker: SOFI returned +55. 5% versus NU's +40. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NU or SOFI?
By beta (market sensitivity over 5 years), Nu Holdings Ltd.
(NU) is the lower-risk stock at 1. 37β versus SoFi Technologies, Inc. 's 2. 54β — meaning SOFI is approximately 86% more volatile than NU relative to the S&P 500. On balance sheet safety, Nu Holdings Ltd. (NU) carries a lower debt/equity ratio of 12% versus 17% for SoFi Technologies, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — NU or SOFI?
By revenue growth (latest reported year), Nu Holdings Ltd.
(NU) is pulling ahead at 44. 8% versus 28. 8% for SoFi Technologies, Inc. (SOFI). On earnings-per-share growth, the picture is similar: Nu Holdings Ltd. grew EPS 90. 5% year-over-year, compared to 0. 0% for SoFi Technologies, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — NU or SOFI?
Nu Holdings Ltd.
(NU) is the more profitable company, earning 17. 8% net margin versus 10. 1% for SoFi Technologies, Inc. — meaning it keeps 17. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NU leads at 25. 2% versus 11. 0% for SOFI. At the gross margin level — before operating expenses — SOFI leads at 75. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is NU or SOFI more undervalued right now?
On forward earnings alone, Nu Holdings Ltd.
(NU) trades at 16. 7x forward P/E versus 27. 0x for SoFi Technologies, Inc. — 10. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NU: 41. 4% to $20. 48.
08Which pays a better dividend — NU or SOFI?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
09Is NU or SOFI better for a retirement portfolio?
For long-horizon retirement investors, Nu Holdings Ltd.
(NU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. SoFi Technologies, Inc. (SOFI) carries a higher beta of 2. 54 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (NU: +40. 2%, SOFI: +55. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between NU and SOFI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(NU: 44.8% · SOFI: 28.8%)Net Margin>
%
(NU: 17.8% · SOFI: 10.1%)P/E Ratio<
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