• SLM average return on assets for 2023 was 1.47, a 39.51% increase from 2022.
• SLM average return on assets for 2022 was 2.43, a 41.3% decline from 2021.
• SLM average return on assets for 2021 was 4.14, a 88.18% 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.