Overview
- Nu is cited for its scale in Latin America, reaching 106 million active customers by the end of third-quarter 2025 after growing from 3 million in 2017.
- Nu’s financials include nearly $13 billion in trailing-12-month revenue and $2.5 billion in net income while it continues investing in growth.
- SoFi reported adjusted revenue up 37% year over year to $1 billion last quarter, with 2025 pre-tax income of $526 million, more than double 2024.
- SoFi’s member base rose by 1 million quarter over quarter to about 13.6 million in fourth-quarter 2025, underscoring ongoing customer acquisition.
- Despite premium valuations—Nu at about 32.6 times LTM earnings and SoFi near 52 times—the article contends operating leverage could lower P/Es, and it frames SoFi’s roughly 39% post-earnings drop as a potential buying opportunity.