Better Growth Stock: Nu Holdings vs. SoFi Technologies

Investing astatine the intersection of fiscal services and technology, known arsenic fintech, tin beryllium an breathtaking mode to boost your portfolio's instrumentality prospects. There are 2 thriving businesses to consider.

Nu Holdings (NYSE: NU), whose shares person surged 284% successful the past 3 years (as of Feb. 2), is simply a Latin American banking powerhouse. SoFi Technologies (NASDAQ: SOFI), whose shares are up 204% successful the past 3 years, is uncovering tremendous occurrence present successful the U.S.

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Between these 2 growth stocks, which is the amended 1 to bargain close now?

Nu has a beardown beingness successful its location state of Brazil, with 110 cardinal customers successful Latin America's astir populated nation. The institution is besides uncovering occurrence successful Mexico and Colombia. The information that Latin America is simply a processing system with a ample radical of unbanked and underbanked radical means that Nu inactive has a ample runway for growth.

And its maturation truthful acold has been impressive. Revenue climbed 42% twelvemonth implicit twelvemonth successful the 3rd quarter, with nett income up 41%. Profits person soared owed to what looks similar a precise scalable concern model. Nu has nary slope branches, eliminating an operating disbursal that helps boost the bottommost line.

The institution has proven subject erstwhile it comes to hazard management, which is adjacent much captious successful emerging economies. And the immense spread Nu has built betwixt the gross it generates from customers and the outgo to service them volition support supporting robust earnings.

SoFi is nary slouch erstwhile it comes to fiscal performance. Its adjusted nett gross surged 38% successful 2025. This was driven by beardown gains successful some fee-based gross and involvement income. And aft adding 1 cardinal nett caller customers successful Q4, the institution present has a budding rank basal of 13.7 million.

Adjusted nett income accrued by an awesome 112% past year. Like Nu, SoFi is an all-digital platform, which gives it a scalable concern exemplary arsenic well. Management expects adjusted nett income to full $825 cardinal successful 2026, equating to a notable 72% year-over-year gain.

Besides providing users with an exceptional app acquisition that makes managing finances a seamless task, SoFi's enactment squad is perpetually emphasizing merchandise innovation. For instance, cryptocurrency trading, blockchain-enabled cross-border payments, and a stablecoin were each introduced successful the backmost fractional of past year. It's each astir uncovering caller ways to service customers, a fantastic prime that supports ongoing success.