Is SoFi Technologies, Inc. overvalued or undervalued?

As of 14 November 2025, the valuation grade for SoFi Technologies, Inc. has moved from expensive to fair. The company appears to be fairly valued at this time. Key valuation ratios include a P/E ratio of 33, an EV to EBITDA of 22.25, and a PEG ratio of 0.06, indicating potential growth at a reasonable price relative to earnings growth expectations.
In comparison to peers, SoFi's P/E ratio of 54.79 is significantly higher than Synchrony Financial's 15.06 and AerCap Holdings NV's 11.71, suggesting that while SoFi may be fairly valued, it is still priced at a premium compared to its peers. Notably, SoFi has outperformed the S&P 500 with a year-to-date return of 80.65% compared to the index's 14.49%, reinforcing a positive outlook for the stock despite its relative valuation metrics.