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The latest data point for SOFI in Q1'26 shows an EV/EBITDA ratio of 20.937. This reflects a continued reduction in the valuation multiple compared to the previous quarter. From Q2'23 to Q1'26, the chart illustrates a significant transition from deep negative territory to a stabilized positive valuation. After a volatile period characterized by a peak of 187.112 in Q1'24, the ratio has trended downward and remained relatively stable between 20.937 and 52.071 since Q4'24, suggesting improving profitability and more normalized valuation levels.