The historical rank and industry rank for SoFi Technologies's ROE % or its related term are showing as below:
FRA:6B0'
s ROE % Range Over the Past 10 Years
Min: -12.49 Med: -6.27 Max: 8.26
Current: 6.61
During the past 8 years, SoFi Technologies's highest ROE % was 8.26%. The lowest was -12.49%. And the median was -6.27%.
FRA:6B0's ROE % is ranked worse than 50.09% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs FRA:6B0: 6.61
SoFi Technologies (FRA:6B0) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
SoFi Technologies ROE % Related Terms
SoFi Technologies ROE % Historical Data
* Premium members only.
The historical data trend for SoFi Technologies's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SoFi Technologies's ROE % distribution charts can be found below:
* The bar in red indicates where SoFi Technologies's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
SoFi Technologies (FRA:6B0) has a ROE % of 6.30% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SoFi Technologies and its competitors. According to the industry distribution chart, SoFi Technologies ranks #265 out of 529 companies in the Credit Services industry, placing it in the top 50.1%.
Is SoFi Technologies' ROE % too high?
SoFi Technologies' current ROE % is 6.30%. The Credit Services industry median ROE % is 6.61. SoFi Technologies' value of 6.30% is 4.7% below this industry median. Based on the distribution chart, SoFi Technologies ranks #265 out of 529 companies in the Credit Services industry, which is below the industry midpoint. Overall, SoFi Technologies has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SoFi Technologies' ROE % compare to SYF and AFRM?
According to the Credit Services industry distribution chart, SoFi Technologies ranks #265 out of 529 companies for ROE %. This places SoFi Technologies in the lower half of its industry. The industry median ROE % is 6.61. SoFi Technologies' value of 6.30% is 4.7% 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SoFi Technologies's current ROE % of 6.30% is 4.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SoFi Technologies and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SoFi Technologies's current ROE % is 6.30%. 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 ROE % is 6.30% and 4.7% below the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For SoFi Technologies (FRA:6B0), the current ROE % is 6.30% 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:
ROE %: 6.30%
GF Value™: €13.60 vs. price of €15.28 (12.3% above fair value)
Industry Position: 4.7% below the Credit Services median (#265 of 529)
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.
65GF Score
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ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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