Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. SoFi Technologies's annualized net income for the quarter that ended in Mar. 2026 was MXN12,026 Mil. SoFi Technologies's average shareholder tangible equity for the quarter that ended in Mar. 2026 was MXN156,058 Mil. Therefore, SoFi Technologies's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 7.71%.
The historical rank and industry rank for SoFi Technologies's Return-on-Tangible-Equity or its related term are showing as below:
MEX:SOFI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -19.37 Med: -9.62 Max: 12.3
Current: 8.61
During the past 8 years, SoFi Technologies's highest Return-on-Tangible-Equity was 12.30%. The lowest was -19.37%. And the median was -9.62%.
MEX:SOFI's Return-on-Tangible-Equity is ranked better than 54.96% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs MEX:SOFI: 8.61
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
SoFi Technologies Return-on-Tangible-Equity Related Terms
SoFi Technologies Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for SoFi Technologies's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MEX:SOFI vs SYF, AFRM, ALLY: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, SoFi Technologies's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SoFi Technologies Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SoFi Technologies's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where SoFi Technologies's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.71% mean?
SoFi Technologies (MEX:SOFI) has a Return-on-Tangible-Equity of 7.71% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on SoFi Technologies and its competitors. According to the industry distribution chart, SoFi Technologies ranks #236 out of 524 companies in the Credit Services industry, placing it in the top 45%.
Is SoFi Technologies' Return-on-Tangible-Equity too high?
SoFi Technologies' current Return-on-Tangible-Equity is 7.71%. The Credit Services industry median Return-on-Tangible-Equity is 7.06. SoFi Technologies' value of 7.71% is 9.3% above this industry median. Based on the distribution chart, SoFi Technologies ranks #236 out of 524 companies in the Credit Services industry, which is above the industry midpoint. Overall, SoFi Technologies has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' Return-on-Tangible-Equity compare to SYF and AFRM?
According to the Credit Services industry distribution chart, SoFi Technologies ranks #236 out of 524 companies for Return-on-Tangible-Equity. This puts SoFi Technologies in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.06. SoFi Technologies' value of 7.71% is 9.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SoFi Technologies's current Return-on-Tangible-Equity of 7.71% is 9.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on SoFi Technologies and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SoFi Technologies's current Return-on-Tangible-Equity is 7.71%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SoFi Technologies stock overvalued right now?
Based on GuruFocus' analysis, SoFi Technologies (MEX:SOFI) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN282.30, compared to a current price of MXN328.94 — trading 16.5% above its estimated fair value. The current Return-on-Tangible-Equity is 7.71% and 9.3% above the Credit Services industry median of 7.06. SoFi Technologies' overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For SoFi Technologies (MEX:SOFI), the current Return-on-Tangible-Equity is 7.71% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SoFi Technologies (MEX:SOFI) Overvalued in 2026?
Based on GuruFocus' analysis, SoFi Technologies stock appears to be overvalued.
The current stock price of MXN328.94 is trading 16.5% above its estimated GF Value™ of MXN282.30.
GuruFocus considers SoFi Technologies to be Modestly Overvalued.
Key valuation signals for MEX:SOFI:
Return-on-Tangible-Equity: 7.71%
GF Value™: MXN282.30 vs. price of MXN328.94 (16.5% above fair value)
Industry Position: 9.3% above the Credit Services median (#236 of 524)
No single metric tells the full story. See the MEX:SOFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
65GF Score
Get the complete analysis for MEX:SOFI
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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