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. Based on the current valuation metrics, the company appears to be fairly valued. The P/E ratio stands at 33, while the EV to EBITDA ratio is 22.25, and the PEG ratio is notably low at 0.06, suggesting strong growth potential relative to its price.
In comparison with peers, SoFi Technologies has a significantly higher P/E ratio than Synchrony Financial, which is at 15.06, and AerCap Holdings NV, which is at 11.71, indicating that SoFi may be priced higher than its more attractively valued competitors. Despite recent stock performance showing a year-to-date return of 80.65% compared to the S&P 500's 14.49%, the valuation metrics suggest that while the stock has performed well, it is currently fairly valued in the context of its industry.