• Service average return on assets for 2023 was 3.28, a 29% decline from 2022.
• Service average return on assets for 2022 was 4.62, a 8.33% decline from 2021.
• Service average return on assets for 2021 was 5.04, a 54.13% decline from 2020.

Roa - return on assets can be defined as an indicator of how profitable a company is relative to its total assets. Calculated by dividing a company's operating earnings by its total assets.