Better Fintech Stock for Growth Investors: Nu Holdings vs. SoFi

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Nu Holdings thrives acknowledgment to robust portion economics

Nu's maturation gets a batch of attention, which isn't surprising. The company's gross totaled $16.3 cardinal successful 2025. This was up 240% compared to 2022, acknowledgment to a burgeoning lawsuit base. As of March 31, Nu counted 135 cardinal customers, of which 115 cardinal are successful Brazil, 15 cardinal are successful Mexico, and 5 cardinal are successful Colombia. And the concern plans to commence operations successful the U.S. adjacent year.

Revenue maturation has spurred awesome bottom-line performance. Net income surged 41% twelvemonth implicit twelvemonth successful Q1 2026. But investors indispensable excavation deeper to recognize wherefore the concern has go truthful profitable. It comes down to unit economics. Nu generates $15.90 successful gross per progressive customer, which is importantly higher than the $1 it costs to service them.

Another origin that is casual to place is that Nu doesn't run immoderate carnal slope branches. As a result, it wholly avoids the overhead costs associated with it. By moving a leaner concern exemplary compared to accepted banks, the institution tin enactment its bottommost line.

Nu's valuation is excessively hard to ignore. Shares commercialized 30% beneath their precocious January highest (as of May 29). And investors tin present bargain the banal astatine a guardant price-to-earnings (P/E) ratio of 18.3.

SoFi Technologies continues to absorption connected innovation

Shares of SoFi person besides taken it connected the chin. They are 43% disconnected their record, which was acceptable successful November past year. Whether it's fears astir a imaginable recession and the interaction it could person connected the company's financials, disruption from artificial quality (AI) displacing cognition workers, oregon a March abbreviated study calling SoFi's accounting practices into question, investors person had a batch to deliberation astir recently.

But now, the valuation has gotten much attractive. This banal tin beryllium purchased astatine a guardant P/E aggregate of 30.4. This is evidently not arsenic inexpensive arsenic Nu, but the fundamentals mightiness person investors to instrumentality a person look.