Is SoFi Technologies, Inc. overvalued or undervalued?

As of 28 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 a strong growth potential relative to its price.
In comparison to its peers, Synchrony Financial is rated very attractive with a P/E of 15.06, while AerCap Holdings NV is also rated fair with a P/E of 11.71. SoFi's performance has been notable, with a year-to-date return of 92.99% compared to the S&P 500's 16.45%, reinforcing its strong market position despite a recent dip in the one-month return.