SoFi Technologies (SOFI) Return on Invested Capital [ROIC] (2021 - 2026)
SoFi Technologies (SOFI) recorded Return on Invested Capital [ROIC] of 0.52% in Q2 2026, up 2.40 percentage points from -1.88% a year earlier and up 0.27 percentage points from the prior quarter.
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Analysis
SoFi Technologies (SOFI) Return on Invested Capital [ROIC] (2021 - 2026) Analysis & Trends
For FY2025, SoFi Technologies reported Return on Invested Capital [ROIC] of -0.44%, up 1.52 percentage points from FY2024.
- Annual Return on Invested Capital [ROIC] has increased for three straight years, with a four-year change of +5.38 percentage points (FY2021 to FY2025).
- Across earlier years, Return on Invested Capital [ROIC] came in at -1.96% in FY2024 (+3.95 pp), -5.91% in FY2023 (+0.16 pp), -6.07% in FY2022 (-0.25 pp) and -5.82% in FY2021.
- The Q2 2026 figure is the highest quarterly Return on Invested Capital [ROIC] since Q1 2024.
- On a year-over-year basis, Return on Invested Capital [ROIC] has increased for four consecutive quarters, with an average year-over-year change of -0.38 percentage points over the last eight quarters.
- Peak year-over-year performance for Return on Invested Capital [ROIC] in the last five years was a gain of 4.17 percentage points in Q4 2023, against a drop of 3.76 percentage points in Q4 2024 at the low end.
- Per Business Quant, the preceding three quarters came in at 0.25% (Q1 2026), -0.41% (Q4 2025) and -1.29% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 896.53 Bn | 896.53 Bn | - | 15.72% |
| 2 | Bank Of America | 354.20 Bn | -2,021.91 Bn | - | 12.95% |
| 3 | Hsbc Holdings | 303.54 Bn | -1,800.05 Bn | - | - |
| 4 | Royal Bank Of Canada | 283.29 Bn | -546.75 Bn | - | 49.26% |
| 5 | Morgan Stanley | 281.19 Bn | -262.84 Bn | - | 11.83% |
| 6 | Goldman Sachs | 256.26 Bn | -3,487.19 Bn | - | 13.88% |
| 7 | Wells Fargo & Company | 253.33 Bn | 253.33 Bn | - | 15.09% |
| 8 | Mitsubishi Ufj Financial | 238.77 Bn | -102.62 Bn | 10.89 Bn | 3.69% |
| 9 | American Express | 216.03 Bn | 15.51 Bn | - | 19.59% |
| 10 | SoFi Technologies | 20.95 Bn | 6.68 Bn | 1.18 Bn | 1.14% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 1.14% |
| Jun 30, 2026 | 0.52% |
| Mar 31, 2026 | 0.25% |
| Dec 31, 2025 | -0.41% |
| Sep 30, 2025 | -1.29% |
| Jun 30, 2025 | -1.88% |
| Mar 31, 2025 | -2.56% |
| Dec 31, 2024 | -2.08% |
| Sep 30, 2024 | -1.39% |
| Jun 30, 2024 | -1.43% |
| Mar 31, 2024 | 0.89% |
| Dec 31, 2023 | 1.68% |
| Sep 30, 2023 | 1.00% |
| Jun 30, 2023 | 1.11% |
| Mar 31, 2023 | -0.62% |
| Dec 31, 2022 | -2.49% |
| Sep 30, 2022 | -3.01% |
| Jun 30, 2022 | -2.68% |
| Mar 31, 2022 | -3.50% |
| Dec 31, 2021 | -3.16% |
API Access
SoFi Technologies Return on Invested Capital [ROIC] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=SOFI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "ticker": "SOFI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=SOFI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();