As of Q4'25, NU's ROS (Return on Sales) stands at 22.95%, marking a decrease from the previous quarter's 26.75%. This latest data point reflects a notable quarter-over-quarter decline, following a period of volatility in recent quarters. From Q1'23 to Q4'25, the ROS trend for NU demonstrates overall growth with intermittent fluctuations. The metric rose steadily from 15.05% in Q1'23 to a peak of 26.75% in Q3'25, before dropping to 22.95% in Q4'25. While the general trajectory is upward, the data reveals periods of both sharp increases and declines, indicating some volatility in profitability over the observed time frame.