Nu Holdings Ltd. vs SoFi Technologies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin comparison between the hemispheres' flagship neobanks is closer than their reputations: Nu keeps 17.1% of revenue as net income, SoFi 14.6%, both having crossed the profitability line their cohort mostly still chases. Capital efficiency splits them: Nu earns 25.8% on equity, SoFi 5.3%, with returns on assets of 4% against 1.1%. The multiples price the gap at 32 against 39.7 times, the LESS efficient franchise carrying the higher multiple, US-market premium at work. SoFi's negative 25.8% free-cash figure is loan growth; Nu's positive 3.8% is arrival. Two app-born banks, profitable in both hemispheres; the market pays extra for the flag, not the arithmetic.
Comparison updated 2026-07-10.
| Metric | NU | SOFI |
|---|---|---|
| Price | $13.15 | $17.86 |
| Market cap | $63.0B | $24.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 32.0 | 39.7 |
| P/B | 8.24 | 2.28 |
| P/S | 5.47 | 6.24 |
| EV/EBITDA | — | 313.9 |
| Revenue growth | +105.9% | +40.7% |
| Gross margin | 45.6% | — |
| Net margin | 17.1% | 14.6% |
| Return on equity | 25.8% | 5.3% |
| Return on assets | 4.0% | 1.1% |
| Debt / equity | 0.00 | 0.00 |
| Altman Z (solvency) | 1.12 | 0.40 |
| Piotroski F (quality) | 9 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.