As of Q4'25, SOFI's P/B Ratio stands at 3.05, marking a significant increase from previous quarters. This latest value reflects a continued upward trajectory in valuation relative to book value over the most recent periods. From Q1'23 to Q4'25, the P/B Ratio for SOFI demonstrates a volatile but overall strongly upward trend. After fluctuating between 0.99 and 2.41 from Q1'23 to Q4'24, the ratio surged sharply in 2025, peaking at 3.85 in Q2'25 before settling at 3.05 by year-end. This pattern indicates growing investor confidence and a notable re-rating of the stock over the observed period.