Nu Holdings Ltd. (NU) vs SoFi Technologies, Inc. (SOFI)
A side-by-side comparison of Nu Holdings Ltd. and SoFi Technologies, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 13, 2026. Differences are shown without an overall score or investment verdict.
NU
Nu Holdings Ltd.
$12.23Financial ServicesDelayed quote: Sep 28, 2026, 4:00 PM EDT
SOFI
SoFi Technologies, Inc.
$15.93Financial ServicesDelayed quote: Sep 28, 2026, 4:00 PM EDT
Total return — NU vs SOFI
growth of $100 · dividends reinvested · last 5yNU +41.5% (+7.2%/yr)SOFI +2.2% (+0.4%/yr)NU compounded faster over this window
NU SOFI
NU vs SOFI: by the numbers
- •NU is the larger company ($59.23B vs $20.43B market cap).
- •NU trades at the lower trailing earnings multiple (16.53 vs 33.19 P/E), one valuation lens rather than an overall verdict.
- •NU converts more revenue to profit (18.61% vs 11.40% net margin).
- •NU grew revenue faster over the past five years (90.72% vs 42.36% CAGR).
Metrics side by side
Valuation
| Metric | NU | SOFI |
|---|---|---|
| P/E ratio | 16.53 | 33.19 |
| Forward P/E | 13.98 | 26.99 |
| P/S ratio | 3.06 | 3.66 |
| P/B ratio | 4.47 | 1.84 |
Profitability
| Metric | NU | SOFI |
|---|---|---|
| Gross margin | 44.03% | 76.46% |
| Operating margin | 22.62% | 13.22% |
| Net margin | 18.61% | 11.40% |
| ROE | 27.22% | 5.74% |
Growth (annualized)
| Metric | NU | SOFI |
|---|---|---|
| Revenue CAGR (5Y) | 90.72% | 42.36% |
| Total return CAGR (5Y) | N/A | 2.52% |
Frequently asked
- Which has the lower trailing P/E, NU or SOFI?
- NU has the lower trailing P/E: NU trades at 16.53 and SOFI at 33.19. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, NU or SOFI?
- Over the past five years, NU grew revenue faster — NU at a 90.72% CAGR versus SOFI at 42.36%.
- Is NU or SOFI more profitable?
- NU runs the higher net margin — NU at 18.61% versus SOFI at 11.40%.
Go deeper
Dig into the metrics
Nu P/E ratioSoFi Technologies P/E ratioNu ROESoFi Technologies ROENu operating marginSoFi Technologies operating marginNu revenue growthSoFi Technologies revenue growth
Nu & SoFi Technologies appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified September 13, 2026.