In the latest period of Q4'25, SOFI's ROA reached 0.34%, marking a modest improvement from 0.31% in Q3'25 and reflecting ongoing positive momentum in asset utilization efficiency. ROE stood at 1.65%, slightly down from 1.59% in the prior quarter but remaining well above historical lows, while ROIC dipped to 0.92% from a stronger 1.98% in Q3'25, indicating some variability in capital returns. Over the period from Q1'23 to Q4'25, all three metrics—ROE, ROA, and ROIC—exhibited a clear upward trend from negative territory, with early quarters showing losses (e.g., ROA at -0.15% in Q1'23 and -0.95% in Q3'23) transitioning to consistent profitability by Q4'23. ROE demonstrated the most volatility but achieved the highest peak at 5.10% in Q4'24, while ROA and ROIC followed steadier recoveries, with ROIC surging notably to 2.97% in Q1'25 before stabilizing. This overall improvement highlights enhancing operational efficiency and return generation for SOFI, though fluctuations underscore sensitivity to quarterly factors.