The stock of SoFi Technologies Inc (NASDAQ: SOFI) has increased by 1.82 when compared to last closing price of 12.64. Despite this, the company has experienced a 6.45% gain in its stock price over the last five trading sessions. seekingalpha.com reported 2025-03-22 that SoFi Technologies investors were reminded of why investing in SOFI isn’t for the faint-hearted, as they endured a 40% plunge from recent highs. SoFI investors need to navigate economic uncertainties, while seeking to benefit from the deregulatory agenda of the Trump administration. Despite that, SOFI’s previous earnings multiples showed why overstating the bullish case isn’t astute.
Is It Worth Investing in SoFi Technologies Inc (NASDAQ: SOFI) Right Now?
SoFi Technologies Inc (NASDAQ: SOFI) has a higher price-to-earnings ratio of 33.68x compared to its average ratio. SOFI has 36-month beta value of 1.83. Analysts have mixed views on the stock, with 4 analysts rating it as a “buy,” 1 as “overweight,” 9 as “hold,” and 3 as “sell.”
The public float for SOFI is 1.07B, and currently, short sellers hold a 12.29% ratio of that float. The average trading volume of SOFI on March 24, 2025 was 44.80M shares.
SOFI’s Market Performance
SOFI stock saw a decrease of 6.45% in the past week, with a monthly decline of -17.29% and a quarterly a decrease of -22.75%. The volatility ratio for the week is 4.63%, and the volatility levels for the last 30 days are 6.38% for SoFi Technologies Inc (SOFI). The simple moving average for the last 20 days is 0.25% for SOFI stock, with a simple moving average of 16.72% for the last 200 days.
Analysts’ Opinion of SOFI
Keefe Bruyette, on the other hand, stated in their research note that they expect to see SOFI reach a price target of $8, previously predicting the price at $7. The rating they have provided for SOFI stocks is “Underperform” according to the report published on January 02nd, 2025.
BofA Securities gave a rating of “Underperform” to SOFI, setting the target price at $12 in the report published on December 09th of the previous year.
SOFI Trading at -11.79% from the 50-Day Moving Average
After a stumble in the market that brought SOFI to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -30.13% of loss for the given period.
Volatility was left at 6.38%, however, over the last 30 days, the volatility rate increased by 4.63%, as shares sank -12.27% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -13.68% lower at present.
During the last 5 trading sessions, SOFI rose by +6.45%, which changed the moving average for the period of 200-days by +90.10% in comparison to the 20-day moving average, which settled at $12.84. In addition, SoFi Technologies Inc saw -16.43% in overturn over a single year, with a tendency to cut further losses.
Insider Trading
Reports are indicating that there were more than several insider trading activities at SOFI starting from Keough Kelli, who sale 11,181 shares at the price of $12.72 back on Mar 20 ’25. After this action, Keough Kelli now owns 226,210 shares of SoFi Technologies Inc, valued at $142,238 using the latest closing price.
Rishel Jeremy, the Chief Technology Officer of SoFi Technologies Inc, sale 68,625 shares at $12.64 during a trade that took place back on Mar 20 ’25, which means that Rishel Jeremy is holding 655,118 shares at $867,420 based on the most recent closing price.
Stock Fundamentals for SOFI
Current profitability levels for the company are sitting at:
- 0.12 for the present operating margin
- 1.0 for the gross margin
The net margin for SoFi Technologies Inc stands at 0.19. The total capital return value is set at 0.01. Equity return is now at value 8.26, with 1.50 for asset returns.
Based on SoFi Technologies Inc (SOFI), the company’s capital structure generated 0.32 points at debt to capital in total, while cash flow to debt ratio is standing at -0.44. The debt to equity ratio resting at 0.47. The interest coverage ratio of the stock is 0.28.
When we switch over and look at the enterprise to sales, we see a ratio of 5.54.
Conclusion
To put it simply, SoFi Technologies Inc (SOFI) has had a mixed performance in recent times. Analysts have a mixed opinion on the stock, with some rating it as a “buy” and others as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
