As of Q4'25, SOFI's latest data shows ROE at 1.65%, ROA at 0.34%, and ROIC data is unavailable for this period. Compared to previous quarters, both ROE and ROA have continued their positive trajectory, with ROE reaching its highest point in the observed period. From Q1'23 to Q4'25, the chart reveals a significant turnaround for SOFI's profitability metrics. All three indicators—ROE, ROA, and ROIC—started in negative territory in 2023, reflecting operational challenges. However, beginning in Q4'23, each metric shifted into positive values and generally maintained an upward trend, despite minor fluctuations. Notably, ROE experienced a sharp increase in Q4'24, peaking at 5.10%, before stabilizing above 1% in 2025, while ROA and ROIC also demonstrated steady improvement, signaling enhanced operational efficiency and capital returns over the period.