Nu (NU) vs SoFi Technologies (SOFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Nu (NU) has outperformed SoFi Technologies (SOFI) over the past year, gaining 3.0% versus a loss of 44.3%. Nu is the larger company by market cap ($75.26 billion vs $20.23 billion), about 3.7 times the size. On valuation, Nu trades at a lower forward P/E (13.8x vs 19.0x for SoFi Technologies).
SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% versus 17.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | NU | SOFI |
|---|---|---|
| Share price | $15.58 | $15.66 |
| Market cap | $75.26B | $20.23B |
| 1-day change | -0.51% | -0.63% |
| YTD return | -6.93% | -40.18% |
| 1-year return | +2.97% | -44.35% |
| 5-year return | — | -19.20% |
| P/E ratio (TTM) | 21.34 | 31.96 |
| Forward P/E | 13.79 | 19.03 |
| EPS (TTM) | $0.73 | $0.49 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $11.52B | $619.35M |
| Revenue growth (YoY) | +43.44% | +23.10% |
| Net income (latest FY) | $1.97B | $481.32M |
| Gross margin | 45.61% | 1.67% |
| Net margin | 17.12% | 77.71% |
| 52-week high | $18.98 | $32.73 |
| 52-week low | $11.20 | $14.88 |
| Distance from 52-week high | -17.91% | -52.15% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +20.47% | +29.82% |
| Average volume | 85.63M | 57.13M |
| Shares outstanding | 3.81B | 1.29B |
| Employees | — | 6,100 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Nu is about 3.7 times larger than SoFi Technologies by market value ($75.26B vs $20.23B).
- NU has outperformed SOFI by 47.3 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (32.0x vs 21.3x trailing P/E).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 17.1 cents for Nu.
- Nu grew revenue faster in its latest fiscal year (+43.44% vs +23.10%).
About Nu
NU stock →Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
Finance · Finance: Consumer Services
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
NU vs SOFI FAQ
Which is bigger, Nu or SoFi Technologies?
Nu (NU) is larger, with a market capitalization of $75.26B compared with $20.23B for SoFi Technologies (SOFI).
Which stock has performed better over the past year, NU or SOFI?
NU returned +2.97% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, NU or SOFI?
NU has the lower trailing P/E at 21.3, versus 32.0 for SOFI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Nu and SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.