ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. SoFi Technologies's annualizedNet Income for the quarter that ended in Mar. 2026 was €577 Mil.
SoFi Technologies's average Total Assets over the quarter that ended in Mar. 2026 was €44,857 Mil. Therefore, SoFi Technologies's annualized ROA % for the quarter that ended in Mar. 2026 was 1.29%.
The historical rank and industry rank for SoFi Technologies's ROA % or its related term are showing as below:
FRA:6B0'
s ROA % Range Over the Past 10 Years
Min: -5.46 Med: -2.27 Max: 1.5
Current: 1.26
During the past 8 years, SoFi Technologies's highest ROA % was 1.50%. The lowest was -5.46%. And the median was -2.27%.
FRA:6B0's ROA % is ranked worse than 57.61% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs FRA:6B0: 1.26
SoFi Technologies (FRA:6B0) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
SoFi Technologies ROA % Related Terms
SoFi Technologies ROA % Historical Data
* Premium members only.
The historical data trend for SoFi Technologies's ROA % 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.
For the Credit Services subindustry, SoFi Technologies's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SoFi Technologies's ROA % distribution charts can be found below:
* The bar in red indicates where SoFi Technologies's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
SoFi Technologies (FRA:6B0) has a ROA % of 1.29% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SoFi Technologies and its competitors. According to the industry distribution chart, SoFi Technologies ranks #314 out of 545 companies in the Credit Services industry, placing it in the top 57.6%.
Is SoFi Technologies' ROA % too high?
SoFi Technologies' current ROA % is 1.29%. The Credit Services industry median ROA % is 1.92. SoFi Technologies' value of 1.29% is 32.8% below this industry median. Based on the distribution chart, SoFi Technologies ranks #314 out of 545 companies in the Credit Services industry, which is below the industry midpoint. Overall, SoFi Technologies has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' ROA % compare to SYF and AFRM?
According to the Credit Services industry distribution chart, SoFi Technologies ranks #314 out of 545 companies for ROA %. This places SoFi Technologies in the lower half of its industry. The industry median ROA % is 1.92. SoFi Technologies' value of 1.29% is 32.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SoFi Technologies's current ROA % of 1.29% is 32.8% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SoFi Technologies and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SoFi Technologies's current ROA % is 1.29%. 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 (FRA:6B0) is currently considered Fairly Valued. The stock's GF Value™ is €13.60, compared to a current price of €15.28 — trading 12.3% above its estimated fair value. The current ROA % is 1.29% and 32.8% below the Credit Services industry median of 1.92. SoFi Technologies' overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For SoFi Technologies (FRA:6B0), the current ROA % is 1.29% 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 (FRA:6B0) Overvalued in 2026?
Based on GuruFocus' analysis, SoFi Technologies stock appears to be overvalued.
The current stock price of €15.28 is trading 12.3% above its estimated GF Value™ of €13.60.
GuruFocus considers SoFi Technologies to be Fairly Valued.
Key valuation signals for FRA:6B0:
ROA %: 1.29%
GF Value™: €13.60 vs. price of €15.28 (12.3% above fair value)
Industry Position: 32.8% below the Credit Services median (#314 of 545)
No single metric tells the full story. See the FRA:6B0 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.
68GF Score
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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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