For the latest data point in Q1'26, SOFI reported an ROE of 1.54% and an ROA of 0.31%, while ROIC data was unavailable for this period. These figures reflect a slight moderation compared to the previous quarter. From Q2'23 to Q1'26, the chart illustrates a successful transition from negative territory to consistent profitability. After reaching a low point in Q3'23 with an ROE of -5.28% and ROA of -0.95%, the metrics turned positive in Q4'23 and have since maintained a stable upward trajectory. A notable peak occurred in Q4'24, where ROE spiked to 5.10%, signaling strong seasonal performance or specific operational efficiencies before stabilizing around the 1.5% level in subsequent periods.