This research aims to determine the influence of Digital Finance, Capital Adequacy, Efficiency and Asset Quality on Profitability in Foreign Ownership Moderation. The financial ratios studied are: Mobile Banking (MB), Capital Adequacy Ratio (CAR), Operating Costs Operating Income (OCOI), and Non-Performing Loans (NPL) and Foreign Ownership. The population in this research is KBMI 3 & 4 Commercial Banks which are registered on the IDX in the 2015-2022 period. The research sample consisted of 7 commercial banks taken using purposive sampling technique. The data collection technique used is documentation. Data analysis was carried out using panel data analysis techniques using the fixed effect model method. The research results show that the MB and OCOI variables partially influence ROA, while CAR and NPL have no effect. Furthermore, foreign ownership is able to moderate the influence of MB on ROA, while the influence of CAR, OCOI and NPL cannot be moderated by foreign ownership. Keywords:- Digital Finance, Foreign Ownership, Capital Adequacy, Efficiency, Asset Qualit, Profitability.