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SOFI
SoFi Technologies, Inc. · Technology
$17.91
+17.60% this month
VERSUS
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COMPARE
NU
Nu Holdings Ltd. · Technology
$12.71
+3.42% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
SOFI
2
NU
2
Comparison scoreboard
MIXED SETUPAI Score
SOFI ✓36.2
NU 32.4
1Y Return
SOFI ✓+16.60%
NU +3.84%
Fwd P/E
SOFI 21.94
NU ✓11.03
Target Up.
SOFI +16.69%
NU ✓+40.53%
Op. Margin
SOFI N/A
NU N/A
Metrics last refreshed: 6/20/2026
Quick take
SOFI vs NU Stock Comparison: AI Score, Valuation, Performance and Upside
SoFi and Nu Holdings (Nubank) are both digital banking challengers disrupting traditional banking in their respective markets — the US and Latin America respectively. Both have grown customer bases rapidly and are pursuing multi-product financial platform strategies. Nu is significantly larger by customer count (100M+ vs SoFi's 7–8M) and has achieved GAAP profitability; SoFi benefits from its US banking charter and B2B technology platform.
SOFI vs NU is the US digital bank challenger building a multi-product financial platform with bank charter advantages (SoFi) versus the world's largest digital bank serving Latin America's unbanked population at enormous scale with proven GAAP profitability (Nubank/NU).
Live analysis · updated 6/20/2026
SOFI and NU 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
SOFI
NU
Recent returns
SOFI
NU
Analyst price targets & sentiment
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
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
Who should consider this stock?
SOFI may suit investors who:
- →prefer a US digital bank with national bank charter enabling lower-cost deposit-funded lending vs non-chartered fintech peers
- →value SoFi's Galileo B2B banking infrastructure platform providing revenue diversification beyond consumer banking
- →want US digital banking exposure with multi-product platform expansion across lending, investing, banking, and insurance
- →are comfortable with higher valuation multiples relative to traditional bank earnings and student loan policy sensitivity
NU may suit investors who:
- →prefer the world's largest digital bank with 100M+ customers and proven GAAP profitability from the mature Brazil market
- →value Nubank's enormous Latin American market opportunity — 650M+ people with historically high bank fees and limited digital access
- →want digital banking exposure with Mexico and Colombia expansion providing long-duration early-stage growth runways beyond Brazil
- →are comfortable with Latin American macroeconomic and currency risk, Brazil credit cycle exposure, and competition from incumbent digital banking services from large Brazilian banks
Performance & AI score
| Metric | SOFI | NU |
|---|---|---|
| AI score | 36.2 | 32.4 |
| AI rank | #1522 | #2085 |
| Latest close | $17.91 | $12.71 |
| 1M return | +17.60% | +3.42% |
| 6M return | -29.13% | -19.86% |
| 1Y return | +16.60% | +3.84% |
$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 | SOFI | NU |
|---|---|---|
| 1Y ago | $11.66K (+16.6%) started 2025-06-18 | $10.38K (+3.8%) started 2025-06-18 |
| 5Y ago | $7.77K (-22.3%) started 2021-06-18 | $12.3K (+23.0%) started 2021-12-09 |
| 10Y ago | $14.68K (+46.8%) started 2021-01-04 | $12.3K (+23.0%) started 2021-12-09 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | SOFI | NU |
|---|---|---|
| Market cap | $22.97B | $61.79B |
| Trailing P/E | 39.80 | 19.55 |
| Forward P/E | 21.94 | 11.03 |
| Price/Sales | 5.88 | 8.14 |
| EV/Revenue | 5.39 | 6.86 |
| Analyst target | $20.90 | $17.86 |
| Target upside | +16.69% | +40.53% |
Growth, profitability & risk
| Metric | SOFI | NU |
|---|---|---|
| Revenue growth | 42.50% | 43.70% |
| Earnings growth | 101.20% | 55.90% |
| EPS growth | +101.20% | +55.90% |
| FCF margin | N/A | N/A |
| Operating margin | N/A | N/A |
| Profit margin | 14.76% | 41.92% |
| ROIC proxy | 6.60% | 30.05% |
| Return on equity | 6.60% | 30.05% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 2.15 | 0.95 |
| Debt/equity | 17.72 | N/A |
| Current ratio | 1.12 | N/A |
| Quick ratio | 0.49 | N/A |
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
SOFI max drawdown52.96%
NU max drawdown38.17%
SOFI max wkly drop20.11%
NU max wkly drop14.55%
5Y risk snapshot
SOFI max drawdown81.54%
NU max drawdown72.07%
SOFI max wkly drop24.27%
NU max wkly drop36.05%
10Y risk snapshot
SOFI max drawdown83.32%
NU max drawdown72.07%
SOFI max wkly drop24.27%
NU max wkly drop36.05%
Performance metrics by period
| Period | Metric | SOFI | NU |
|---|---|---|---|
| 1Y | Growth | +16.60% | +3.84% |
| CAGR | +16.61% | +3.84% | |
| Sharpe ratio | 0.48 | 0.17 | |
| Max drawdown | 52.96% | 38.17% | |
| Max daily drop | 15.44% | 9.55% | |
| Max wkly drop | 20.11% | 14.55% | |
| 5Y | Growth | -22.27% | +23.04% |
| CAGR | -4.91% | +4.69% | |
| Sharpe ratio | 0.19 | 0.29 | |
| Max drawdown | 81.54% | 72.07% | |
| Max daily drop | 15.44% | 18.89% | |
| Max wkly drop | 24.27% | 36.05% | |
| 10Y | Growth | +46.80% | +23.04% |
| CAGR | +7.30% | +4.69% | |
| Sharpe ratio | 0.38 | 0.29 | |
| Max drawdown | 83.32% | 72.07% | |
| Max daily drop | 15.44% | 18.89% | |
| Max wkly drop | 24.27% | 36.05% |
Business comparison
| Category | SOFI | NU |
|---|---|---|
| Company | SoFi Technologies, Inc. | Nu Holdings Ltd. |
| Sector | Technology | Technology |
| Industry | N/A | N/A |
| Core business | SoFi is a US digital bank and financial services platform offering student and personal loans, mortgages, investing, insurance, credit cards, and banking (SoFi Bank, acquired through a national bank charter acquisition). The national bank charter (received in 2022) allows SoFi to take deposits and fund loans at lower cost than its previous warehouse lender model. Galileo and Technisys are B2B banking technology platforms SoFi also operates, providing infrastructure to other fintech companies. | Nu Holdings (Nubank) is the world's largest digital bank by customer count, with 100M+ customers primarily in Brazil, Mexico, and Colombia. Nubank offers credit cards (launched as its first product), personal loans, savings accounts, insurance, and investment products entirely through its mobile app. It targets the Brazilian population that was historically unbanked or underbanked by traditional Brazilian banks with high fees. Nu was founded in 2013 and achieved GAAP profitability in 2023. |
| Investor focus | Investors track member count, Financial Services segment growth (deposits, credit card, investing), Lending segment margins (student, personal, home), and Galileo/Technisys technology platform revenue. | Investors track customer count and average revenue per active customer (ARPAC), Brazil profitability maturity, Mexico and Colombia early-stage growth, and credit quality of Nubank's loan portfolio. |
SOFI strengths
- →National bank charter enables SoFi to fund loans with lower-cost deposits rather than expensive warehouse credit lines — structural margin improvement
- →Multi-product financial platform strategy increases revenue per member as customers add SoFi products across lending, investing, banking, and insurance
- →Galileo B2B banking platform provides infrastructure revenue from other fintech companies diversifying beyond consumer banking
NU strengths
- →100M+ customers makes Nubank the world's largest digital bank — scale advantages in Brazil are very difficult for new entrants to replicate
- →GAAP profitability achieved in 2023 demonstrates that Nubank's model works financially, validating the large customer acquisition investment
- →Mexico and Colombia expansion are still early-stage, providing significant growth runway beyond the mature Brazil market
Risks to watch — SOFI
- →Student loan origination volumes are sensitive to federal student loan policy changes and refinancing demand cycles
- →Competition from established banks (Chase, Wells Fargo) and other digital banks (Chime, Ally) in core banking and personal lending
- →SoFi's premium valuation relative to traditional bank earnings multiples requires sustained above-market member and revenue growth to justify
Risks to watch — NU
- →Brazil credit cycle risk — Nubank's credit card and personal loan customers are often first-time borrowers with limited credit history, increasing default risk during recessions
- →Latin American macroeconomic and currency risk (Brazilian Real, Mexican Peso volatility) directly impacts reported US dollar revenue and earnings
- →Traditional Brazilian banks (Itaú, Bradesco, Santander Brasil) have launched competing digital products to defend market share against Nubank
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