SOFI vs. NU
SOFI (SoFi Technologies, Inc.) and NU (Nu Holdings Ltd.) are both stocks. Both are in the Financial Services sector — SOFI in Credit Services, NU in Banks - Diversified. Over the past 3 years, SOFI returned 16.37%/yr vs 21.91%/yr for NU. Their 0.49 correlation means their historical movements had little consistent relationship.
Performance
SOFI vs. NU - Performance Comparison
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Returns By Period
In the year-to-date period, SOFI achieves a -37.70% return, which is significantly lower than NU's -14.40% return.
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%
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%
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 |
SOFI vs. NU - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
SOFI SoFi Technologies, Inc. | -37.70% | 70.00% | 54.77% | 115.84% | -70.84% | -6.67% |
NU Nu Holdings Ltd. | -14.40% | 61.58% | 24.37% | 104.67% | -56.61% | -16.62% |
Correlation
The correlation between SOFI and NU 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
SOFI:
$20.92B
NU:
$69.40B
SOFI:
$0.54
NU:
$0.65
SOFI:
29.98
NU:
22.09
SOFI:
4.52
NU:
4.01
SOFI:
2.01
NU:
5.59
SOFI:
$4.85B
NU:
$17.54B
SOFI:
$3.97B
NU:
$7.67B
SOFI:
$756.79M
NU:
$4.14B
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Return for Risk
SOFI vs. NU — Risk / Return Rank
SOFI
NU
SOFI vs. NU - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for SoFi Technologies, Inc. (SOFI) and Nu Holdings Ltd. (NU). 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.
| SOFI | NU | 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 | 0.95 | 1.11 | -0.16 |
| Calmar ratioReturn relative to maximum drawdown | -0.53 | 0.45 | -0.98 |
| Martin ratioReturn relative to average drawdown | -0.84 | 0.96 | -1.79 |
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Drawdowns
SOFI vs. NU - Drawdown Comparison
The maximum SOFI drawdown since its inception was -83.32%, which is greater than NU's maximum drawdown of -72.07%. Use the drawdown chart below to compare losses from any high point for SOFI and NU.
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Drawdown Indicators
| SOFI | NU | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.32% | -72.07% | -11.25% |
Max Drawdown (1Y)Largest decline over 1 year | -52.96% | -38.17% | -14.79% |
Max Drawdown (3Y)Largest decline over 3 years | -52.96% | -39.58% | -13.38% |
Max Drawdown (5Y)Largest decline over 5 years | -81.54% | — | — |
Current DrawdownCurrent decline from peak | -49.36% | -23.61% | -25.75% |
Average DrawdownAverage peak-to-trough decline | -51.07% | -29.71% | -21.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 33.29% | 18.07% | +15.22% |
Volatility
SOFI vs. NU - Volatility Comparison
SoFi Technologies, Inc. (SOFI) has a higher volatility of 16.98% compared to Nu Holdings Ltd. (NU) at 10.41%. This indicates that SOFI's price experiences larger fluctuations and is considered to be riskier than NU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SOFI | NU | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.98% | 10.41% | +6.57% |
Volatility (6M)Calculated over the trailing 6-month period | 39.65% | 29.73% | +9.92% |
Volatility (1Y)Calculated over the trailing 1-year period | 56.66% | 37.31% | +19.35% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.48% | 57.94% | +8.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 71.52% | 57.94% | +13.58% |
Dividends
SOFI vs. NU - Dividend Comparison
Neither SOFI nor NU has paid dividends to shareholders.
Financials
SOFI vs. NU - Financials Comparison
This section allows you to compare key financial metrics between SoFi Technologies, Inc. and Nu Holdings Ltd.. 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
SOFI and NU 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, SOFI dropped -83.32% vs NU's -72.07%.
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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