As of Q2'26 (2025-12-31), AFRM's latest data shows ROA at 1%, ROE at 3.65%, and ROIC at 3.14%. This represents a continued improvement in profitability metrics, with all three ratios turning positive and reaching their highest levels in the period covered. From Q3'23 to Q2'26, the chart demonstrates a clear upward trend across ROA, ROE, and ROIC, shifting from negative values to sustained positive territory. Notably, the most significant inflection occurred between Q4'24 and Q2'25, where all metrics crossed into positive territory after a prolonged period of losses, indicating a substantial turnaround in operational efficiency and return generation. This positive momentum is sustained through the latest quarter, suggesting ongoing improvements in AFRM's financial performance.