As of Q4'25, NU's latest data shows ROE at 7.90%, ROA at 1.19%, and ROIC data is unavailable for this quarter. Compared to the previous quarter, both ROE and ROA have increased, with ROE rising from 7.42% and ROA from 1.14%. Over the period from Q1'23 to Q4'25, all three profitability metrics—ROE, ROA, and ROIC—generally exhibit an upward trend, despite some fluctuations. ROE and ROA show steady growth with minor dips, particularly in early 2025, before reaching new highs at the end of the period. ROIC demonstrates more volatility, with sharp increases and decreases, especially notable in Q4'23 and Q2'24, but lacks data for the last quarter. Overall, the chart indicates improving operational efficiency and profitability for NU over the observed timeframe.