NU vs. SOFI: Nu Holdings vs. SoFi Stock Comparison
How do Nu Holdings (NU) and SoFi (SOFI) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Nu Holdings (NU) and SoFi (SOFI) share the Financials sector but sit in different industry groups — NU in Banks and SOFI in Financial Services.
| Profile Item | NU | SOFI |
|---|---|---|
| Name | Nu Holdings Ltd. Class A Ordinary Shares | SoFi Technologies, Inc. |
| Country/Region | Brazil | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Financial Services |
| GICS Industry | Banks | Consumer Finance |
| GICS Sub-Industry | Diversified Banks | Consumer Finance |
| Market Capitalization | 58.11 billion USD | 21.04 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | December 9, 2021 | January 4, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | NU | SOFI |
|---|---|---|
| Total Return (1Y) | -22.46% | -40.42% |
| Total Return (3Y, Annualized) | 14.21% | 34.88% |
| Total Return (5Y, Annualized) | -- | -5.36% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
SoFi (SOFI) carries a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, whereas Nu Holdings (NU) is closer to market-like at 0.94 — a noticeable difference in market-sensitivity profile.
| Metric | NU | SOFI |
|---|---|---|
| Volatility (1Y, Annualized) | 46.14% | 55.56% |
| Beta (5Y) | 0.94 | 2.22 |
| Max Drawdown (5Y) | -72.07% | -81.28% |
| Avg. Volume (3M) | 80.53M | 48.09M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | NU | SOFI |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | -0.80 |
| Sortino Ratio (1Y) | -0.78 | -1.09 |
Profitability
ROE (TTM)
Nu Holdings (NU) at 31.63% clears its industry range for ROE, a sharper capital-efficiency signal than SoFi (SOFI) at 7.35%, which is closer to a typical peer reading.
NU
Banks industry group
31.63%
- NU
- 31.63%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
SOFI
Financial Services industry group
7.35%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- SOFI
- 7.35%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of SoFi (SOFI) at 15.75%, which keeps about the industry-typical share.
NU
Banks industry group
42.73%
- Max
- 47.19%
- NU
- 42.73%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
SOFI
Financial Services industry group
15.75%
- Max
- 62.84%
- Q3
- 28.05%
- SOFI
- 15.75%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
SoFi (SOFI) reports operating margin of 23.19%; Nu Holdings (NU) doesn’t report a comparable line — in Banks, funding costs sit inside the core business rather than below an operating line, so profitability is better judged on net margin or ROE.
NU
Banks industry group
--
- NU
- --
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
SOFI
Financial Services industry group
23.19%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- SOFI
- 23.19%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | NU | SOFI |
|---|---|---|
| ROE (TTM) | 31.63% | 7.35% |
| ROA (TTM) | 4.96% | 1.31% |
| Net Margin (TTM) | 42.73% | 15.75% |
| Operating Margin (TTM) | -- | 23.19% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Nu Holdings (NU) at 28.51% and SoFi (SOFI) at 38.32% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.
EPS Growth
Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while SoFi (SOFI) at 0.00% is closer to the peer norm — faster per-share earnings growth for NU.
Growth Metrics
| Metric | NU | SOFI |
|---|---|---|
| Revenue Growth (YoY) | 28.51% | 38.32% |
| Revenue Growth (3Y CAGR) | 52.93% | 31.93% |
| EPS Growth (YoY) | 44.92% | 0.00% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Nu Holdings (NU) in Banks and SoFi (SOFI) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Nu Holdings (NU) in Banks and SoFi (SOFI) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | NU | SOFI |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Nu Holdings (NU) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
NU
Banks industry group
0.00%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- NU
- 0.00%
- Min
- 0.00%
SOFI
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- SOFI
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Nu Holdings (NU) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
NU
Banks industry group
0.00%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- NU
- 0.00%
- Min
- 0.00%
SOFI
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- SOFI
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | NU | SOFI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Both Nu Holdings (NU) at 16.48 and SoFi (SOFI) at 29.47 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.
NU
Banks industry group
16.48
- Max
- 18.16
- NU
- 16.48
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
SOFI
Financial Services industry group
29.47
- Max
- 45.85
- SOFI
- 29.47
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
SoFi (SOFI) shows P/S ratio of 4.49; for Nu Holdings (NU) the multiple is skipped — in Banks, income is dominated by interest spread rather than a conventional revenue line, so pricing per dollar of sales loses meaning and book- or earnings-based multiples carry the comparison.
NU
Banks industry group
--
- NU
- --
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
SOFI
Financial Services industry group
4.49
- Max
- 9.23
- Q3
- 4.57
- SOFI
- 4.49
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
SoFi (SOFI) at 1.86 sits near its industry’s typical P/B ratio, while Nu Holdings (NU) at 4.39 prices above its benchmark range — NU looks rich relative to book.
NU
Banks industry group
4.39
- NU
- 4.39
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
SOFI
Financial Services industry group
1.86
- Max
- 7.79
- Q3
- 3.63
- SOFI
- 1.86
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | NU | SOFI |
|---|---|---|
| P/E Ratio (TTM) | 16.48 | 29.47 |
| P/S Ratio (TTM) | -- | 4.49 |
| P/B Ratio (MRQ) | 4.39 | 1.86 |
| Free Cash Flow Yield (TTM) | -- | -- |