Basis: Latest reported fiscal year. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on invested capital (ROIC) high or low?
The return on invested capital (ROIC) of 0.95% is 42% below its 5-year average of 1.63%, near the low end of its 5-year range (0.95%–2.93%).
As of the fiscal period ended Wednesday, December 31, 2025. 21.81% below its 12-month average of 1.21%.
Annual fiscal-year return on invested capital; no daily interpolation.
RETURN ON INVESTED CAPITAL (ROIC)
0.95%
RETURN ON INVESTED CAPITAL (ROIC) AVG TTM
1.21%
RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y
1.34%
RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y
1.63%
RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y
1.73%
RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y
1.73%
RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y
1.48%
CURRENT VS TTM AVG
-21.81%
CURRENT VS 3Y AVG
-29.10%
CURRENT VS 5Y AVG
-41.54%
CURRENT VS 10Y AVG
-45.17%
CURRENT VS 15Y AVG
-45.23%
CURRENT VS 20Y AVG
-35.98%
SECTOR MEDIAN · FINANCIAL SERVICES
5.98%
median of 95 covered companies
CURRENT VS SECTOR MEDIAN
-84.11%
vs the sector median at left
Citigroup Inc.
Market Cap
$227.12B
Return on Invested Capital (ROIC)
0.95%
TTM Avg
1.21%
3Y Avg
1.34%
5Y Avg
1.63%
Market Cap
$227.07B
Return on Invested Capital (ROIC)
8.29%
TTM Avg
8.50%
3Y Avg
7.85%
5Y Avg
7.26%
Market Cap
$264.55B
Return on Invested Capital (ROIC)
3.16%
TTM Avg
3.37%
3Y Avg
3.29%
5Y Avg
3.29%
Market Cap
$183.03B
Return on Invested Capital (ROIC)
9.50%
TTM Avg
7.55%
3Y Avg
7.32%
5Y Avg
6.89%
Market Cap
$169.00B
Return on Invested Capital (ROIC)
3.67%
TTM Avg
4.00%
3Y Avg
4.11%
5Y Avg
3.80%
Market Cap
$168.90B
Return on Invested Capital (ROIC)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$154.30B
Return on Invested Capital (ROIC)
13.61%
TTM Avg
13.49%
3Y Avg
10.21%
5Y Avg
13.53%
Market Cap
$300.43B
Return on Invested Capital (ROIC)
1.92%
TTM Avg
1.77%
3Y Avg
1.58%
5Y Avg
1.82%
Market Cap
$152.05B
Return on Invested Capital (ROIC)
17.47%
TTM Avg
19.64%
3Y Avg
19.13%
5Y Avg
15.33%
| NAME | MARKET CAP | RETURN ON INVESTED CAPITAL (ROIC) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citigroup Inc. (C) | $227.12B | 0.95% | 1.21% | 1.34% | 1.63% |
| American Express Company (AXP)vs › | $227.07B | 8.29% | 8.50% | 7.85% | 7.26% |
| Wells Fargo & Company (WFC)vs › | $264.55B | 3.16% | 3.37% | 3.29% | 3.29% |
| The Charles Schwab Corporation (SCHW)vs › | $183.03B | 9.50% | 7.55% | 7.32% | 6.89% |
| BlackRock, Inc. (BLK)vs › | $169.00B | 3.67% | 4.00% | 4.11% | 3.80% |
| Vanguard FTSE Emerging Markets ETF (VWO)vs › | $168.90B | N/A | N/A | N/A | N/A |
| Blackstone Inc. (BX)vs › | $154.30B | 13.61% | 13.49% | 10.21% | 13.53% |
| The Goldman Sachs Group, Inc. (GS)vs › | $300.43B | 1.92% | 1.77% | 1.58% | 1.82% |
| Interactive Brokers Group, Inc. (IBKR)vs › | $152.05B | 17.47% | 19.64% | 19.13% | 15.33% |
| Chubb Limited (CB)vs › | $135.29B | 7.95% | 0.25% | 430.60% | 429.29% |
ROIC
0.9%
ROE
8.4%
ROIC = NOPAT / Invested Capital
Return on invested capital measures the after-tax return a company earns on all capital (debt and equity) invested in the business.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON INVESTED CAPITAL (ROIC) |
|---|---|
| 2025-12-31 | 0.95% |
| 2024-12-31 | 1.48% |
| 2023-12-31 | 1.06% |
| 2022-12-31 | 1.87% |
| 2021-12-31 | 2.93% |
| 2020-12-31 | 1.46% |
| 2019-12-31 | 2.73% |
| 2018-12-31 | 2.60% |
| 2017-12-31 | -0.95% |
| 2016-12-31 | 2.26% |
| 2015-12-31 | 2.67% |
| 2014-12-31 | 0.92% |
| 2013-12-31 | 1.71% |
| 2012-12-31 | 0.96% |
| 2011-12-31 | 1.26% |
| 2010-12-31 | 1.16% |
| 2009-12-31 | -0.12% |
| 2008-12-31 | -3.07% |
| 2007-12-31 | 0.05% |
| 2006-12-31 | 2.04% |
| 2005-12-31 | 2.64% |
| 2004-12-31 | 1.76% |
| 2003-12-31 | 2.26% |
| 2002-12-31 | 2.02% |
| 2001-12-31 | 1.95% |
| 2000-12-31 | 2.03% |
| 1999-12-31 | 2.13% |
| 1998-12-31 | 1.58% |
| 1997-12-31 | 1.35% |
| 1996-12-31 | 2.04% |
