The latest data point for Q4'25 shows ROE at 28.8%, ROA at 2.2%, and ROIC at 6.7%, indicating a positive close to the period with all metrics reflecting improved profitability after earlier volatility. From Q1'23 to Q4'25, ROE exhibited significant fluctuations, peaking at 30.5% in Q1'24 before plunging to -155.6% in Q2'25 and recovering sharply to 84.2% in Q3'25; ROA followed a similar volatile pattern, with lows of -3.1% in Q2'25 and a high of 5.8% in Q3'25, while ROIC trended more stably positive until dipping negative in Q1'25 and Q2'25 before rebounding to 13.5% in Q3'25. Overall, the metrics display a volatile trend with recurring quarterly swings between positive growth and sharp declines, particularly in Q4 periods, suggesting operational challenges in capital efficiency and asset utilization for OPFI.