## SOFI PE Stream Chart Analysis **Current Valuation (Latest Data Point — Mid-March 2026):** SOFI's latest monthly average price stands at approximately **$17.18**, which places it between the **33.4x** and **41.5x** PE boundary lines (with the 33.4x boundary at $13.98 and the 41.5x boundary at $17.36 for the same period). This positions the stock in the **"Fair"** valuation zone — above the 33.4x PE level but just below the 41.5x PE ceiling. Notably, the stock has pulled back meaningfully from its recent peak of around $28.44 (late 2025), and is now trading near the upper edge of the Fair interval, suggesting the market has repriced SOFI closer to a more reasonable valuation after a period of elevated sentiment. **Historical Valuation Trend:** SOFI's PE stream history reveals a dramatic valuation journey. In early 2021, the stock traded at elevated prices above $22, but the PE stream data for that period is not defined within the provided band boundaries, suggesting the stock was in a speculative phase without a clear earnings-based anchor. Through 2022 and into 2023, prices collapsed sharply — falling below $5 — reflecting deep uncertainty and placing the stock firmly in the **Undervalued** or **Value** zones relative to any reasonable PE framework. A gradual recovery began in mid-2023, with prices stabilizing in the $7–$9 range. The most significant inflection point came in late 2024, when SOFI's price surged from roughly $7.68 to nearly $15.89 by year-end, pushing the stock from the **Value** zone into the **Fair** to **Watch** interval as earnings expectations improved. The momentum continued aggressively into mid-to-late 2025, with the monthly average price climbing to approximately $28.44 — briefly breaching the **49.5x** PE boundary (priced at $28.41) and approaching the **Overvalued** zone. This sharp re-rating reflects significant earnings growth expectations embedded in the PE stream boundaries, which stepped up notably across quarterly periods. However, since early 2026, the stock has retraced sharply, declining from ~$26.25 to $17.18, settling back into the **Fair** zone. Overall, the PE stream boundaries themselves have trended upward over time, indicating improving earnings fundamentals, while the stock's current pullback into the Fair interval may represent a more balanced entry point compared to the elevated valuations seen in late 2025.