Basis: Trailing twelve months (TTM net income over the latest quarterly balance sheet). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on assets (ROA) high or low?
The return on assets (ROA) of 2.06% is 61% below its 5-year average of 5.24%, near the low end of its 5-year range (1.60%–9.15%).
17.60% below its 12-month average of 2.50%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.66%.
RETURN ON ASSETS (ROA)
2.06%
RETURN ON ASSETS (ROA) AVG TTM
2.50%
RETURN ON ASSETS (ROA) AVG 3Y
3.62%
RETURN ON ASSETS (ROA) AVG 5Y
5.24%
RETURN ON ASSETS (ROA) AVG 10Y
2.26%
RETURN ON ASSETS (ROA) AVG 15Y
2.96%
RETURN ON ASSETS (ROA) AVG 20Y
1.08%
CURRENT VS TTM AVG
-17.60%
CURRENT VS 3Y AVG
-43.09%
CURRENT VS 5Y AVG
-60.67%
CURRENT VS 10Y AVG
-8.92%
CURRENT VS 15Y AVG
-30.48%
CURRENT VS 20Y AVG
+91.02%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
+66.80%
vs the sector median at left
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029
Market Cap
$1.66B
Return on Assets (ROA)
2.06%
TTM Avg
2.50%
3Y Avg
3.62%
5Y Avg
5.24%
Market Cap
$1.65B
Return on Assets (ROA)
1.11%
TTM Avg
0.66%
3Y Avg
0.88%
5Y Avg
1.01%
Market Cap
$1.68B
Return on Assets (ROA)
1.36%
TTM Avg
1.21%
3Y Avg
1.22%
5Y Avg
1.18%
Market Cap
$1.68B
Return on Assets (ROA)
15.42%
TTM Avg
14.83%
3Y Avg
14.83%
5Y Avg
14.83%
Market Cap
$1.69B
Return on Assets (ROA)
1.36%
TTM Avg
1.52%
3Y Avg
1.51%
5Y Avg
1.50%
Market Cap
$1.63B
Return on Assets (ROA)
1.49%
TTM Avg
1.29%
3Y Avg
1.29%
5Y Avg
1.31%
Market Cap
$1.63B
Return on Assets (ROA)
1.81%
TTM Avg
1.67%
3Y Avg
1.57%
5Y Avg
1.51%
Market Cap
$1.62B
Return on Assets (ROA)
2.06%
TTM Avg
2.50%
3Y Avg
3.62%
5Y Avg
5.24%
Market Cap
$1.62B
Return on Assets (ROA)
8.67%
TTM Avg
7.18%
3Y Avg
4.63%
5Y Avg
4.25%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ) | $1.66B | 2.06% | 2.50% | 3.62% | 5.24% |
| ConnectOne Bancorp, Inc. (CNOBP)vs › | $1.65B | 1.11% | 0.66% | 0.88% | 1.01% |
| TriCo Bancshares (TCBK)vs › | $1.68B | 1.36% | 1.21% | 1.22% | 1.18% |
| Hyperliquid Strategies Inc Common Stock (PURR)vs › | $1.68B | 15.42% | 14.83% | 14.83% | 14.83% |
| Bank First Corporation (BFC)vs › | $1.69B | 1.36% | 1.52% | 1.51% | 1.50% |
| QCR Holdings, Inc. (QCRH)vs › | $1.63B | 1.49% | 1.29% | 1.29% | 1.31% |
| Republic Bancorp, Inc. (RBCAA)vs › | $1.63B | 1.81% | 1.67% | 1.57% | 1.51% |
| Atlanticus Holdings Corporation (ATLCP)vs › | $1.62B | 2.06% | 2.50% | 3.62% | 5.24% |
| Goosehead Insurance, Inc (GSHD)vs › | $1.62B | 8.67% | 7.18% | 4.63% | 4.25% |
| S&T Bancorp, Inc. (STBA)vs › | $1.72B | 1.41% | 1.36% | 1.43% | 1.19% |
ROA
2.1%
ROE
20.8%
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 1.60% |
| 2024-12-31 | 3.40% |
| 2023-12-31 | 3.80% |
| 2022-12-31 | 5.68% |
| 2021-12-31 | 9.15% |
| 2020-12-31 | 7.80% |
| 2019-12-31 | 2.82% |
| 2018-12-31 | 1.35% |
| 2017-12-31 | -9.58% |
| 2016-12-31 | -1.75% |
| 2015-12-31 | 0.61% |
| 2014-12-31 | 2.67% |
| 2013-12-31 | -5.04% |
| 2012-12-31 | 6.43% |
| 2011-12-31 | 20.68% |
| 2010-12-31 | -11.07% |
| 2009-12-31 | -72.23% |
| 2008-12-31 | -9.15% |
| 2007-12-31 | -2.72% |
| 2006-12-31 | 5.08% |
| 2005-12-31 | 9.41% |
| 2004-12-31 | 10.04% |
| 2003-12-31 | 15.99% |
| 2002-12-31 | 1.13% |
| 2001-12-31 | 0.53% |
| 2000-12-31 | 17.51% |
| 1999-12-31 | 26.35% |
| 1998-12-31 | 29.00% |
