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', WRLD's return on assets was 4.4%, representing returns generated from total assets. Industry average for Finance: Consumer Services in '2022' stood at -13.5%.
• In '2023', WRLD's return on assets was 1.8%, representing returns generated from total assets. The decline from '2022' may indicate some operational or financial challenges. Industry average for Finance: Consumer Services in '2023' stood at -9.1%. Industry average increased by 4.5% compared to previous year.
• In '2024', WRLD's return on assets was 7.1%, representing returns generated from total assets. The increase since '2023' reflects strengthening financial performance. Industry average for Finance: Consumer Services in '2024' stood at -12.2%. Industry average declined by 3.1% from previous year.
• In '2025', WRLD's return on assets was 8.7%, representing returns generated from total assets. The increase since '2024' reflects strengthening financial performance. Industry average for Finance: Consumer Services in '2025' stood at 8.3%. Industry average increased by 20.6% compared to previous year.
Overall, WRLD's return on assets has been volatile but showed an upward trend over the past 4 years.

Formula: ROA = Net Income / Total Assets

Good Range: Commonly 5%-15%.