Is SoFi Technologies, Inc. overvalued or undervalued?

As of 14 November 2025, the valuation grade for SoFi Technologies, Inc. moved from expensive to fair. Based on the current metrics, the company appears to be fairly valued. Key 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 relative to its price.
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 is currently valued fairly, it may still be perceived as expensive relative to its peers. Despite recent stock performance showing a decline over the past week and month, SoFi has outperformed the S&P 500 year-to-date and over the past year, with returns of 75.58% and 101.79%, respectively, reinforcing a positive outlook on its growth potential.