NU vs. SOFI
NU (Nu Holdings Ltd.) and SOFI (SoFi Technologies, Inc.) are both stocks. Both are in the Financial Services sector — NU in Banks - Diversified, SOFI in Credit Services. Over the past 3 years, NU returned 21.91%/yr vs 16.37%/yr for SOFI. Their 0.49 correlation means their historical movements had little consistent relationship.
Performance
NU vs. SOFI - Performance Comparison
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Returns By Period
In the year-to-date period, NU achieves a -14.40% return, which is significantly higher than SOFI's -37.70% return.
NU
- 1D
- -1.10%
- 1M
- 5.29%
- 6M
- -19.27%
- YTD
- -14.40%
- 1Y
- 18.92%
- 3Y*
- 21.91%
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- 5.35%
SOFI
- 1D
- -0.97%
- 1M
- -10.58%
- 6M
- -28.50%
- YTD
- -37.70%
- 1Y
- -23.17%
- 3Y*
- 16.37%
- 5Y*
- 1.10%
- 10Y*
- —
- ALL TIME*
- 7.20%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.35B | $1.45B | $991.86M | |
| $1.50B | $1.50B | $1.35B |
NU vs. SOFI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
NU Nu Holdings Ltd. | -14.40% | 61.58% | 24.37% | 104.67% | -56.61% | -16.62% |
SOFI SoFi Technologies, Inc. | -37.70% | 70.00% | 54.77% | 115.84% | -70.84% | -6.67% |
Correlation
The correlation between NU and SOFI is 0.49, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.49 |
Correlation (3Y) Balances recent behavior with more history. | 0.44 |
Correlation (All Time) Calculated using the full available price history since Dec 9, 2021 | 0.49 |
Fundamentals
NU:
$69.40B
SOFI:
$20.92B
NU:
$0.65
SOFI:
$0.54
NU:
22.09
SOFI:
29.98
NU:
4.01
SOFI:
4.52
NU:
5.59
SOFI:
2.01
NU:
$17.54B
SOFI:
$4.85B
NU:
$7.67B
SOFI:
$3.97B
NU:
$4.14B
SOFI:
$756.79M
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Return for Risk
NU vs. SOFI — Risk / Return Rank
NU
SOFI
NU vs. SOFI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Nu Holdings Ltd. (NU) and SoFi Technologies, Inc. (SOFI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NU | SOFI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.96 | ||
| Sortino ratioReturn per unit of downside risk | +1.25 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 0.95 | +0.16 |
| Calmar ratioReturn relative to maximum drawdown | 0.45 | -0.53 | +0.98 |
| Martin ratioReturn relative to average drawdown | 0.96 | -0.84 | +1.79 |
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Drawdowns
NU vs. SOFI - Drawdown Comparison
The maximum NU drawdown since its inception was -72.07%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for NU and SOFI.
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Drawdown Indicators
| NU | SOFI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -72.07% | -83.32% | +11.25% |
Max Drawdown (1Y)Largest decline over 1 year | -38.17% | -52.96% | +14.79% |
Max Drawdown (3Y)Largest decline over 3 years | -39.58% | -52.96% | +13.38% |
Max Drawdown (5Y)Largest decline over 5 years | — | -81.54% | — |
Current DrawdownCurrent decline from peak | -23.61% | -49.36% | +25.75% |
Average DrawdownAverage peak-to-trough decline | -29.71% | -51.07% | +21.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 18.07% | 33.29% | -15.22% |
Volatility
NU vs. SOFI - Volatility Comparison
The current volatility for Nu Holdings Ltd. (NU) is 10.41%, while SoFi Technologies, Inc. (SOFI) has a volatility of 16.98%. This indicates that NU experiences smaller price fluctuations and is considered to be less risky than SOFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NU | SOFI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.41% | 16.98% | -6.57% |
Volatility (6M)Calculated over the trailing 6-month period | 29.73% | 39.65% | -9.92% |
Volatility (1Y)Calculated over the trailing 1-year period | 37.31% | 56.66% | -19.35% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 57.94% | 66.48% | -8.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 57.94% | 71.52% | -13.58% |
Dividends
NU vs. SOFI - Dividend Comparison
Neither NU nor SOFI has paid dividends to shareholders.
Financials
NU vs. SOFI - Financials Comparison
This section allows you to compare key financial metrics between Nu Holdings Ltd. and SoFi Technologies, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
NU and SOFI have a correlation of 0.49, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SOFI has higher volatility (16.98%) compared to NU (10.41%). In terms of maximum drawdown, NU dropped -72.07% vs SOFI's -83.32%.
NU currently has the higher Sharpe Ratio (0.47 vs -0.49), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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