Analytical Overview: SoFi Technologies Inc (SOFI)’s Ratios Tell a Financial Story

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As of close of business last night, SoFi Technologies Inc’s stock clocked out at $12.51, down -5.73% from its previous closing price of $13.27. In other words, the price has decreased by -$5.73 from its previous closing price. On the day, 85.5 million shares were traded. SOFI stock price reached its highest trading level at $12.82 during the session, while it also had its lowest trading level at $12.05.

Ratios:

To gain a deeper understanding of SOFI’s stock, we examine its different ratios. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 5.09 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 12.49. In the meantime, Its Debt-to-Equity ratio is 0.47 whereas as Long-Term Debt/Eq ratio is at 0.47.

Upgrades & Downgrades

In addition, analysts’ ratings and any changes thereto give investors an idea of the stock’s future direction. In the most recent recommendation for this company, Citizens JMP on April 25, 2025, initiated with a Mkt Outperform rating and assigned the stock a target price of $17.

Keefe Bruyette Downgraded its Mkt Perform to Underperform on January 02, 2025, whereas the target price for the stock was revised from $7 to $8.

Insider Transactions:

Investing in insider trades can also provide an investor with insight into how management views future stock prices. A recent insider transaction in this stock occurred on Apr 21 ’25 when Keough Kelli sold 11,181 shares for $10.71 per share. The transaction valued at 119,707 led to the insider holds 215,029 shares of the business.

Keough Kelli sold 11,181 shares of SOFI for $142,238 on Mar 20 ’25. The EVP, GBUL, SIPS now owns 226,210 shares after completing the transaction at $12.72 per share. On Mar 20 ’25, another insider, Rishel Jeremy, who serves as the Chief Technology Officer of the company, sold 68,625 shares for $12.64 each. As a result, the insider received 867,420 and left with 655,118 shares of the company.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, SOFI now has a Market Capitalization of 13812290560 and an Enterprise Value of 14866505728. As of this moment, SoFi’s Price-to-Earnings (P/E) ratio for their current fiscal year is 29.75, and their Forward P/E ratio for the next fiscal year is 23.24. The expected Price-to-Earnings-to-Growth (PEG) calculation for the next 5 years is 1.16. For the stock, the TTM Price-to-Sale (P/S) ratio is 3.55 while its Price-to-Book (P/B) ratio in mrq is 2.07. Its current Enterprise Value per Revenue stands at 5.364.

Stock Price History:

The Beta on a monthly basis for SOFI is 1.84, which has changed by 0.78969955 over the last 52 weeks, in comparison to a change of 0.09969199 over the same period for the S&P500. Over the past 52 weeks, SOFI has reached a high of $18.42, while it has fallen to a 52-week low of $6.01. The 50-Day Moving Average of the stock is 1.40%, while the 200-Day Moving Average is calculated to be 6.93%.

Shares Statistics:

It appears that SOFI traded 53.48M shares on average per day over the past three months and 73448690 shares per day over the past ten days. A total of 1.10B shares are outstanding, with a floating share count of 1.08B. Insiders hold about 2.10% of the company’s shares, while institutions hold 46.82% stake in the company. Shares short for SOFI as of 1744675200 were 146775131 with a Short Ratio of 2.74, compared to 1741910400 on 138772190. Therefore, it implies a Short% of Shares Outstanding of 146775131 and a Short% of Float of 13.48.

Dividends & Splits

Against a Trailing Annual Dividend Yield of 0.0

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