As of Q4'25, SOFI's PEG Ratio (5yr expected) stands at 2.77, marking a significant increase from the previous quarter and representing the highest value observed in the covered period from Q1'23 to Q4'25. This latest data point suggests a notable shift in the company's valuation relative to its expected earnings growth. Throughout the period, the PEG Ratio exhibited considerable volatility, with values fluctuating between negative and positive territory. After starting at 5.07 in Q1'23, the ratio dropped sharply into negative values by Q2'23, remained mostly below zero through 2024, and then rebounded strongly in 2025, especially in the last two quarters. This trend indicates periods of negative or low expected earnings growth, followed by a recent recovery and potential optimism regarding SOFI's future growth prospects.