SoFi Technologies, Inc. (SOFI) Return on Invested Capital (ROIC): 3.79%
Is SoFi Technologies, Inc.’s return on invested capital (ROIC) high or low?
SoFi Technologies, Inc.'s return on invested capital (ROIC) of 3.79% is 396% above its 5-year average of -1.28%, near the high end of its 5-year range (-5.39%–3.79%).
As of Tuesday, June 16, 2026. 23.25% above its 12-month average of 3.08%.
SOFI Return on Invested Capital (ROIC) Chart
SOFI Average Return on Invested Capital (ROIC) Chart
SOFI Current vs Average Return on Invested Capital (ROIC) Chart
SOFI Return on Invested Capital (ROIC) Metrics
RETURN ON INVESTED CAPITAL (ROIC)
3.79%
RETURN ON INVESTED CAPITAL (ROIC) AVG TTM
3.08%
RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y
0.16%
RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y
-1.28%
RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y
N/A
RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y
N/A
RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y
N/A
CURRENT VS TTM AVG
+23.25%
CURRENT VS 3Y AVG
+2268.75%
CURRENT VS 5Y AVG
+396.09%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SOFI Competitors' Return on Invested Capital (ROIC)
| NAME | MARKET CAP | RETURN ON INVESTED CAPITAL (ROIC) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| SoFi Technologies, Inc. (SOFI) | $23.03B | 3.79% | 3.08% | 0.16% | -1.28% |
| Loews Corporation (L)vs › | $22.43B | 3.76% | 3.56% | 2.80% | -579.32% |
| Principal Financial Group, Inc. (PFG)vs › | $24.01B | 0.37% | 0.44% | -21.92% | -14.38% |
| Circle Internet Group (CRCL)vs › | $21.69B | -1.80% | 2.39% | 4.03% | -8.50% |
| Willis Towers Watson Public Limited Company (WTW)vs › | $24.40B | 11.52% | 4.01% | 5.09% | 5.32% |
| KeyCorp (KEY)vs › | $24.67B | 5.83% | 2.69% | 3.04% | 4.15% |
| Regions Financial Corporation (RF)vs › | $24.79B | 13.79% | 10.08% | 9.55% | 8.86% |
| Synchrony Financial (SYF)vs › | $25.33B | 9.36% | 9.36% | 9.00% | 9.31% |
| W. R. Berkley Corporation (WRB)vs › | $25.46B | 10.42% | 10.63% | 10.16% | 8.02% |
| Brown & Brown, Inc. (BRO)vs › | $20.21B | 5.87% | 7.48% | 7.73% | 7.95% |
Capital Efficiency
ROIC
3.8%
ROE
5.3%
SoFi Technologies, Inc. Return on Invested Capital (ROIC) Formula & Definition
ROIC = NOPAT / Invested Capital
Return on invested capital measures the after-tax return a company earns on all capital (debt and equity) invested in the business.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
SoFi Technologies, Inc. Return on Invested Capital (ROIC) FAQ
- What is the return on invested capital (ROIC) for SoFi Technologies, Inc. (SOFI)?
- The return on invested capital (ROIC) for SOFI stock is 3.79%.
- Is SoFi Technologies, Inc.'s return on invested capital (ROIC) high or low?
- SoFi Technologies, Inc.'s return on invested capital (ROIC) of 3.79% is 396% above its 5-year average of -1.28%, near the high end of its 5-year range (-5.39%–3.79%).
- What is the TTM average return on invested capital (ROIC) for SoFi Technologies, Inc. (SOFI)?
- The TTM average return on invested capital (ROIC) for SOFI stock is 3.08%.
- What is the 3Y average return on invested capital (ROIC) for SoFi Technologies, Inc. (SOFI)?
- The 3Y average return on invested capital (ROIC) for SOFI stock is 0.16%.
- What is the 5Y average return on invested capital (ROIC) for SoFi Technologies, Inc. (SOFI)?
- The 5Y average return on invested capital (ROIC) for SOFI stock is -1.28%.
SoFi Technologies, Inc. Return on Invested Capital (ROIC) History
| DATE | RETURN ON INVESTED CAPITAL (ROIC) |
|---|---|
| 2025-12-31 | 3.79% |
| 2024-12-31 | 2.36% |
| 2023-12-31 | -2.71% |
| 2022-12-31 | -2.80% |
| 2021-12-31 | -5.39% |
| 2020-12-31 | -2.93% |
| 2019-12-31 | -3.38% |
| 2018-12-31 | -2.94% |
| 2017-12-31 | 0.00% |
Related Metrics
About SoFi Technologies, Inc.
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Anthony J. Noto