Is SoFi Technologies, Inc. overvalued or undervalued?

As of 28 November 2025, the valuation grade for SoFi Technologies, Inc. moved from expensive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a P/E ratio of 33, an EV to EBITDA of 22.25, and a PEG ratio of 0.06, which suggests strong growth potential relative to its price.
In comparison to 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. This indicates that SoFi Technologies, Inc. is priced higher than its peers, despite its fair valuation status. Notably, SoFi has outperformed the S&P 500 significantly over the past three years, with a return of 567.87% compared to the S&P 500's 72.78%, reinforcing its growth potential in the finance sector.