LIVE
NU
Nu Holdings Ltd. · Financials
$12.71
+3.42% this month
VERSUS
⟷
COMPARE
SOFI
SoFi Technologies, Inc. · Financials
$17.91
+17.60% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
NU
2
SOFI
2
Comparison scoreboard
MIXED SETUPAI Score
NU 32.4
SOFI ✓36.2
1Y Return
NU +3.84%
SOFI ✓+16.60%
Fwd P/E
NU ✓11.03
SOFI 21.94
Target Up.
NU ✓+40.53%
SOFI +16.69%
Op. Margin
NU N/A
SOFI N/A
Metrics last refreshed: 6/22/2026
Quick take
NU vs SOFI Stock Comparison: AI Score, Valuation, Performance and Upside
Nu (Nubank) and SoFi are both digital banking innovators, but serving very different markets. Nubank disrupts the highly concentrated LatAm banking oligopoly with 100M+ customers across Brazil, Mexico, and Colombia — arguably the most compelling digital banking growth story in the world. SoFi is a US digital bank and fintech platform serving young professionals with banking, lending, and investing plus the B2B Galileo platform. Both are growing but with very different geographic and market dynamics.
NU vs SOFI is the world's largest digital bank outside Asia disrupting LatAm banking oligopolies for 100M+ customers (Nubank) versus the US digital personal finance company with bank charter, lending, investing, and Galileo B2B fintech infrastructure (SoFi) — LatAm banking disruption at massive scale vs US digital bank building across multiple financial product lines.
Live analysis · updated 6/22/2026
NU and SOFI are closely matched — they split the tracked metrics evenly. SOFI has delivered stronger 1-year price return (+16.60% vs +3.84%), though NU trades at the lower forward P/E (11.03x vs 21.94x). Analyst consensus implies meaningfully more upside for NU (+40.53%) than for SOFI (+16.69%).
Normalized 1Y performance
NU
SOFI
Recent returns
NU
SOFI
Analyst price targets & sentiment
NU · 21 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.6/5.0)
Price target range
analyst low$10.00
analyst high$22.00
analyst mean$17.86
current price$12.71
+40.5% upside to analyst mean
SOFI · 20 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.7/5.0)
Price target range
analyst low$12.00
analyst high$31.00
analyst mean$20.90
current price$17.91
+16.7% upside to analyst mean
Who should consider this stock?
NU may suit investors who:
- →prefer Latin American digital banking disruption at massive scale — Nubank's 100M+ customers in a 600M+ population region is the most compelling fintech growth story in the world
- →value Nubank's extraordinary unit economics potential as ARPU grows from early card/savings relationships toward full banking product suites
- →want emerging market fintech exposure with Nubank's proven ability to displace expensive traditional banking at scale across 3 large LatAm markets
- →are comfortable with LatAm consumer credit cycle risk, currency headwinds for USD investors, and regulatory risk across 3 different country environments
SOFI may suit investors who:
- →prefer US digital bank with bank charter enabling deposit-funded loans and Galileo B2B platform diversifying revenue beyond consumer lending cycles
- →value SoFi's cross-sell momentum as members use multiple products (bank + investing + loan) creating increasing lifetime value per member
- →want fintech exposure with B2B infrastructure (Galileo) providing revenue independent of SoFi's consumer product adoption timing
- →are comfortable with student loan market uncertainty, path to sustained profitability timeline, and US fintech competition from Chime, Dave, and traditional banks' digital products
Performance & AI score
| Metric | NU | SOFI |
|---|---|---|
| AI score | 32.4 | 36.2 |
| AI rank | #2085 | #1522 |
| Latest close | $12.71 | $17.91 |
| 1M return | +3.42% | +17.60% |
| 6M return | -19.86% | -29.13% |
| 1Y return | +3.84% | +16.60% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | NU | SOFI |
|---|---|---|
| 1Y ago | $10.38K (+3.8%) started 2025-06-18 | $11.66K (+16.6%) started 2025-06-18 |
| 5Y ago | $12.3K (+23.0%) started 2021-12-09 | $7.77K (-22.3%) started 2021-06-18 |
| 10Y ago | $12.3K (+23.0%) started 2021-12-09 | $14.68K (+46.8%) started 2021-01-04 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | NU | SOFI |
|---|---|---|
| Market cap | $61.79B | $22.97B |
| Trailing P/E | 19.55 | 39.80 |
| Forward P/E | 11.03 | 21.94 |
| Price/Sales | 8.14 | 5.88 |
| EV/Revenue | 6.85 | 5.46 |
| Analyst target | $17.86 | $20.90 |
| Target upside | +40.53% | +16.69% |
Growth, profitability & risk
| Metric | NU | SOFI |
|---|---|---|
| Revenue growth | 43.70% | 42.50% |
| Earnings growth | 55.90% | 101.20% |
| EPS growth | +55.90% | +101.20% |
| FCF margin | N/A | N/A |
| Operating margin | N/A | N/A |
| Profit margin | 41.92% | 14.76% |
| ROIC proxy | 30.05% | 6.60% |
| Return on equity | 30.05% | 6.60% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 0.95 | 2.15 |
| Debt/equity | N/A | 17.72 |
| Current ratio | N/A | 1.12 |
| Quick ratio | N/A | 0.49 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
NU max drawdown38.17%
SOFI max drawdown52.96%
NU max wkly drop14.55%
SOFI max wkly drop20.11%
5Y risk snapshot
NU max drawdown72.07%
SOFI max drawdown81.54%
NU max wkly drop36.05%
SOFI max wkly drop24.27%
10Y risk snapshot
NU max drawdown72.07%
SOFI max drawdown83.32%
NU max wkly drop36.05%
SOFI max wkly drop24.27%
Performance metrics by period
| Period | Metric | NU | SOFI |
|---|---|---|---|
| 1Y | Growth | +3.84% | +16.60% |
| CAGR | +3.84% | +16.61% | |
| Sharpe ratio | 0.17 | 0.48 | |
| Max drawdown | 38.17% | 52.96% | |
| Max daily drop | 9.55% | 15.44% | |
| Max wkly drop | 14.55% | 20.11% | |
| 5Y | Growth | +23.04% | -22.27% |
| CAGR | +4.69% | -4.91% | |
| Sharpe ratio | 0.29 | 0.19 | |
| Max drawdown | 72.07% | 81.54% | |
| Max daily drop | 18.89% | 15.44% | |
| Max wkly drop | 36.05% | 24.27% | |
| 10Y | Growth | +23.04% | +46.80% |
| CAGR | +4.69% | +7.30% | |
| Sharpe ratio | 0.29 | 0.38 | |
| Max drawdown | 72.07% | 83.32% | |
| Max daily drop | 18.89% | 15.44% | |
| Max wkly drop | 36.05% | 24.27% |
Business comparison
| Category | NU | SOFI |
|---|---|---|
| Company | Nu Holdings Ltd. | SoFi Technologies, Inc. |
| Sector | Financials | Financials |
| Industry | N/A | N/A |
| Core business | Nu (Nubank) is the world's largest digital bank outside Asia, serving 100M+ customers across Brazil, Mexico, and Colombia. In Brazil, Nubank has disrupted the highly concentrated traditional banking oligopoly — Itaú, Bradesco, and Santander Brasil — with free digital banking, no-fee credit cards, and high-yield savings. Nubank's growth in Mexico and Colombia represents geographic expansion into underbanked populations. Nubank generates primarily credit revenue (credit cards and personal loans) plus growing banking fee income. | SoFi is a US digital personal finance company offering student loan refinancing, personal loans, mortgages, investing, banking (SoFi Bank, high-yield savings), and the Galileo financial services API platform (fintech infrastructure). SoFi obtained a bank charter in 2022, enabling it to hold loans and gather deposits rather than depending entirely on third-party capital. The Galileo platform provides financial services infrastructure to other fintech companies, creating a B2B revenue stream. |
| Investor focus | Investors track monthly active customer count, revenue per active customer (the ARPU growth showing Nubank deepening relationships beyond a single product), and expansion into Mexico and Colombia. | Investors track member growth, products per member, SoFi Bank deposit growth (enabling lower-cost loan funding), and Galileo revenue. |
NU strengths
- →100M+ customer base in Latin America's 600M+ person population — Nubank has barely started monetizing existing customers relative to traditional bank ARPU levels
- →Latin American banking disruption is faster and more significant than US digital banking — traditional LatAm banks are less competitive and more expensive, making digital alternatives more compelling
- →Low-cost digital-only operation enables Nubank to offer products at prices traditional banks cannot match while still generating profitable margins as scale grows
SOFI strengths
- →Bank charter enables deposit-funded loan origination at lower cost than marketplace lending — a structural advantage over fintech lenders without bank charters
- →Galileo B2B financial services platform serves 150+ fintech companies — a separate revenue stream that reduces SoFi's dependence on consumer lending cycles
- →Products per member is growing — SoFi members using multiple products (bank + investing + loan) create higher lifetime value and lower churn
Risks to watch — NU
- →Credit risk in emerging markets — Brazilian consumer credit has experienced elevated defaults, and Nubank's credit card and loan book is exposed to consumer credit cycles in developing economies
- →Currency risk — Nubank earns Brazilian reais, Mexican pesos, and Colombian pesos, creating foreign exchange headwinds for USD-reporting investors
- →Expansion into insurance, investments, and banking products in 3 markets simultaneously creates operational complexity
Risks to watch — SOFI
- →Student loan refinancing (historically SoFi's core product) has been impacted by student loan moratoriums and political uncertainty around loan forgiveness
- →SoFi is building many products simultaneously — member acquisition cost and path to profitability require careful management of investment vs return timeline
- →Galileo serves fintech companies that may face their own funding or survival challenges — B2B platform revenue depends on fintech customer health
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