Name: Return on Assets (ROA)

Definition: ROA shows how efficiently the company turns everything it owns — its entire asset base — into net profit after all costs and taxes. A higher ROA means the business squeezes more profit from its assets. Lower ROA might reflect poor asset utilization or heavy reliance on expensive financing.

Interpretation:
• In '2020', BHV's return on assets was 1.1%, representing returns generated from total assets. Industry average for Finance/Investors Services in '2020' stood at 5.7%.
• In '2021', BHV's return on assets was 3.5%, representing returns generated from total assets. The increase since '2020' reflects strengthening financial performance. Industry average for Finance/Investors Services in '2021' stood at 9.6%. Industry average increased by 3.9% compared to previous year.
• In '2023', BHV's return on assets was -2.3%, representing returns generated from total assets. The decline from '2021' may indicate some operational or financial challenges. Industry average for Finance/Investors Services in '2023' stood at -0.4%. Industry average declined by 10.0% from previous year.
• In '2024', BHV's return on assets was 2.1%, representing returns generated from total assets. The increase since '2023' reflects strengthening financial performance. Industry average for Finance/Investors Services in '2024' stood at 9.1%. Industry average increased by 9.4% compared to previous year.
Overall, BHV's return on assets has been volatile but generally stable over the past 4 years.

Formula: ROA = Net Income / Total Assets

Good Range: Commonly 5%-15%.