As of Q3'25, SOFI's ROS (Return on Sales) stands at 15.45%, marking the highest value in the period covered by the chart. This latest data point reflects a continued improvement in profitability compared to earlier quarters. From Q1'23 to Q3'25, SOFI's ROS exhibited significant volatility, initially remaining negative through most of 2023 and reaching a low of -49.69% in Q3'23. A sharp turnaround occurred in Q4'23, with ROS turning positive and maintaining an upward trend, aside from a temporary dip in Q2'24. Overall, the chart demonstrates a notable recovery and strengthening in SOFI's operating efficiency over the observed period.