As of Q4'25, SOFI's P/E ratio stands at 46.11, marking a significant recovery from negative values observed in previous quarters. This latest data point reflects continued positive earnings momentum since Q3'24, when the P/E ratio first turned positive at 60.31. From Q1'23 to Q2'24, SOFI's P/E ratio remained negative, reaching a low of -60.48 in Q2'24, indicating persistent losses. However, starting in Q3'24, the P/E ratio shifted sharply into positive territory, suggesting a turnaround in profitability. The ratio has since stabilized in the 29–51 range through 2025, highlighting a notable inflection point and sustained improvement in the company's financial performance over the period.