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 '2022', VTN's return on assets was 0.1%, representing returns generated from total assets. Industry average for Finance Companies in '2022' stood at -10.8%.
• In '2023', VTN's return on assets was -7.6%, representing returns generated from total assets. The decline from '2022' may indicate some operational or financial challenges. Industry average for Finance Companies in '2023' stood at 3.6%. Industry average increased by 14.4% compared to previous year.
• In '2024', VTN's return on assets was 4.5%, representing returns generated from total assets. The increase since '2023' reflects strengthening financial performance. Industry average for Finance Companies in '2024' stood at 8.4%. Industry average increased by 4.8% compared to previous year.
• In '2025', VTN's return on assets was 1.9%, representing returns generated from total assets. The decline from '2024' may indicate some operational or financial challenges. Industry average for Finance Companies in '2025' stood at 5.7%. Industry average declined by 2.8% from previous year.
Overall, VTN'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%.