It's been a rough ride for shareholders of SoFi Technologies (SOFI -0.77%). After a drop of 35% this year (as of July 3), the stock currently trades 75% below its peak. But interested investors can now scoop up shares at a price-to-sales ratio of 2.9, well below their historical average. Changing the loan book In the past 12 quarters, it originated $31 billion worth of personal loans, while in its former bread-and-butter business of student loans, it originated just $9 billion. However, this creates a poten ...