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 4.25% is in line with its 5-year average of 4.27%, around the middle of its 5-year range (2.92%–6.81%).
As of the fiscal period ended Wednesday, December 31, 2025. 9.25% above its 12-month average of 3.89%.
Annual fiscal-year return on invested capital; no daily interpolation.
RETURN ON INVESTED CAPITAL (ROIC)
4.25%
RETURN ON INVESTED CAPITAL (ROIC) AVG TTM
3.89%
RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y
3.97%
RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y
4.27%
RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y
3.97%
RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y
3.43%
RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y
N/A
CURRENT VS TTM AVG
+9.25%
CURRENT VS 3Y AVG
+6.99%
CURRENT VS 5Y AVG
-0.47%
CURRENT VS 10Y AVG
+7.05%
CURRENT VS 15Y AVG
+23.91%
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
6.75%
median of 83 covered companies
CURRENT VS SECTOR MEDIAN
-37.04%
vs the sector median at left
Citizens Financial Group, Inc.
Market Cap
$31.56B
Return on Invested Capital (ROIC)
4.25%
TTM Avg
3.89%
3Y Avg
3.97%
5Y Avg
4.27%
Market Cap
$30.91B
Return on Invested Capital (ROIC)
15.31%
TTM Avg
13.70%
3Y Avg
11.13%
5Y Avg
10.57%
Market Cap
$30.87B
Return on Invested Capital (ROIC)
11.52%
TTM Avg
4.01%
3Y Avg
5.09%
5Y Avg
5.32%
Market Cap
$34.53B
Return on Invested Capital (ROIC)
7.12%
TTM Avg
11.32%
3Y Avg
10.95%
5Y Avg
149.50%
Market Cap
$34.83B
Return on Invested Capital (ROIC)
15.88%
TTM Avg
13.07%
3Y Avg
11.13%
5Y Avg
9.95%
Market Cap
$35.03B
Return on Invested Capital (ROIC)
N/A
TTM Avg
5.60%
3Y Avg
4.67%
5Y Avg
4.96%
Market Cap
$27.09B
Return on Invested Capital (ROIC)
13.79%
TTM Avg
10.08%
3Y Avg
9.55%
5Y Avg
8.86%
Market Cap
$36.06B
Return on Invested Capital (ROIC)
-2.03%
TTM Avg
1.33%
3Y Avg
3.56%
5Y Avg
3.64%
Market Cap
$26.67B
Return on Invested Capital (ROIC)
10.68%
TTM Avg
11.01%
3Y Avg
7.29%
5Y Avg
382.76%
| NAME | MARKET CAP | RETURN ON INVESTED CAPITAL (ROIC) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citizens Financial Group, Inc. (CFG) | $31.56B | 4.25% | 3.89% | 3.97% | 4.27% |
| Cboe Global Markets, Inc. (CBOE)vs › | $30.91B | 15.31% | 13.70% | 11.13% | 10.57% |
| Willis Towers Watson Public Limited Company (WTW)vs › | $30.87B | 11.52% | 4.01% | 5.09% | 5.32% |
| Arch Capital Group Ltd. (ACGL)vs › | $34.53B | 7.12% | 11.32% | 10.95% | 149.50% |
| Raymond James Financial, Inc. (RJF)vs › | $34.83B | 15.88% | 13.07% | 11.13% | 9.95% |
| Northern Trust Corporation (NTRS)vs › | $35.03B | N/A | 5.60% | 4.67% | 4.96% |
| Regions Financial Corporation (RF)vs › | $27.09B | 13.79% | 10.08% | 9.55% | 8.86% |
| Huntington Bancshares Incorporated (HBAN)vs › | $36.06B | -2.03% | 1.33% | 3.56% | 3.64% |
| Cincinnati Financial Corporation (CINF)vs › | $26.67B | 10.68% | 11.01% | 7.29% | 382.76% |
| W. R. Berkley Corporation (WRB)vs › | $26.30B | 10.42% | 10.63% | 10.16% | 8.02% |
ROIC
4.3%
ROE
8.1%
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 | 4.25% |
| 2024-12-31 | 3.53% |
| 2023-12-31 | 3.60% |
| 2022-12-31 | 4.51% |
| 2021-12-31 | 6.81% |
| 2020-12-31 | 2.92% |
| 2019-12-31 | 4.43% |
| 2018-12-31 | 4.20% |
| 2017-12-31 | 4.44% |
| 2016-12-31 | 2.63% |
| 2015-12-31 | 2.35% |
| 2014-12-31 | 2.33% |
| 2013-12-31 | -9.72% |
| 2012-12-31 | 2.02% |
| 2011-12-31 | 0.00% |
