$NU vs $SOFI: Nu Holdings and SoFi Technologies Compared NU (Nu Holdings, parent of Nubank) is Latin America's largest digital bank, while SOFI (SoFi Technologies) is a U.S.-focused digital bank and fintech platform. NU recently posted record profitability with its first $1 billion-plus quarterly net income, while SOFI continues to deliver strong revenue growth but faces a premium-valuation debate. Both stocks are down year to date, though NU has benefited from a recent Brazil election-driven rally, while SOFI has been pressured by valuation and credit-risk concerns. NU's relative performance has outpaced SOFI and other fintech peers over recent weeks, reflecting its scale and improving efficiency.