NU vs SOFI: which stock is the better buy?
Nu Holdings Ltd. and SoFi Technologies, Inc., graded by the same fixed-weight model from live fundamentals — composite score, 12-month forecast, valuation, growth and margins, side by side. As of July 6, 2026.
On today’s numbers, Nu Holdings Ltd. grades higher — 65/100 vs 59/100. Tap either card for the full factor breakdown.
Metric by metric
| Metric | NU | SOFI |
|---|---|---|
| TradersQuant Score | 65/100 ✓ | 59/100 |
| Price | $13.61 | $18.24 |
| 12-mo base forecast | $17.08 | $17.97 |
| Implied upside | +25.5% ✓ | -1.5% |
| Bull / bear range | $20.18 / $15.46 | $26.24 / $12.35 |
| P/E | 20.9 ✓ | 38.2 |
| Forward P/E | — | — |
| Revenue growth (YoY) | +43.0% ✓ | +28.8% |
| Gross margin | 43.7% | 76.0% ✓ |
| Market cap | $65.9B | $23.4B |
| Sector | Financial Services | Financial Services |
✓ marks the stronger reading per metric (lower is better for P/E). Figures refresh continuously; research, not financial advice.
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NU vs SOFI — FAQ (2026)
Is NU or SOFI the better buy right now?
On the live TradersQuant composite score, Nu Holdings Ltd. (NU) currently grades higher at 65/100 versus 59/100 for SOFI. The score weighs valuation, growth, earnings quality, momentum, the macro regime, sentiment and balance-sheet risk — open each stock's page for the full breakdown. Research, not financial advice.
Which has more 12-month upside, NU or SOFI?
TradersQuant's 12-month base-case forecast currently implies +25.5% for NU and -1.5% for SOFI. Both forecasts are three-scenario models (bull/base/bear) refreshed continuously and graded on our public track record.
How is this NU vs SOFI comparison calculated?
Both stocks are scored by the same fixed-weight model — 20% valuation, 20% growth, 15% earnings quality, 15% momentum, 10% macro regime fit, 10% analyst sentiment, 10% balance-sheet risk — from live fundamentals and prices. No hand-picking: the same arithmetic runs on every stock we cover, and our systematic calls are graded in public against the S&P 500.