<![CDATA[This study aims to empirically examine the effect of the Solvency Ratio (CAR), Liquidity Ratio (LDR), and Inflation on Financial Performance (ROA) in banking companies listed on the Indonesia Stock Exchange during the 2022-2025 period. The phenomenon underlying this research is that high solvency and liquidity ratios in banking are not always followed by optimal improvements in financial performance, reinforced by inconsistent findings in previous studies. This research is a quantitative study with an associative approach using secondary data. The sample was selected using a purposive sampling technique, resulting in 29 banking companies with 116 initial observations. The data analysis technique used is multiple linear regression analysis with the assistance of SPSS version 26, including classical assumption tests, hypothesis testing (t-test and F-test), and the coefficient of determination test. The results show that the Solvency Ratio (CAR) has no significant effect, while the Liquidity Ratio (LDR) has a positive and significant effect on Financial Performance (ROA). Inflation has no significant effect, but simultaneously, the three variables significantly affect Financial Performance (ROA) with an explanatory power of 8.8%. These results are expected to serve as an evaluation for banking management, a consideration for investors, and a reference for future researchers.]]>
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