As of Q4'25, PayPal's latest Operating ROA stands at 1.79%, with ROE at 7.09% and ROIC at 3.96%. This reflects a continued improvement across all three profitability metrics compared to the previous quarters within the period from Q1'23 to Q4'25. Over the observed timeframe, the chart shows a generally upward trend for ROA, ROE, and ROIC, despite some short-term fluctuations. Notably, all three metrics experienced a dip in Q1'24 before resuming their growth, with ROE and ROA reaching their highest levels in Q4'25. The overall pattern suggests strengthening operational efficiency and profitability for PayPal over the past three years.