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 10.68% is 97% below its 5-year average of 382.76%, near the low end of its 5-year range (-2.94%–2251.85%).
As of the fiscal period ended Wednesday, December 31, 2025. 3.00% below its 12-month average of 11.01%.
Annual fiscal-year return on invested capital; no daily interpolation.
RETURN ON INVESTED CAPITAL (ROIC)
10.68%
RETURN ON INVESTED CAPITAL (ROIC) AVG TTM
11.01%
RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y
7.29%
RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y
382.76%
RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y
1455.42%
RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y
919.03%
RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y
933.98%
CURRENT VS TTM AVG
-3.00%
CURRENT VS 3Y AVG
+46.50%
CURRENT VS 5Y AVG
-97.21%
CURRENT VS 10Y AVG
-99.27%
CURRENT VS 15Y AVG
-98.84%
CURRENT VS 20Y AVG
-98.86%
SECTOR MEDIAN · FINANCIAL SERVICES
5.98%
median of 95 covered companies
CURRENT VS SECTOR MEDIAN
+78.60%
vs the sector median at left
Cincinnati Financial Corporation
Market Cap
$27.32B
Return on Invested Capital (ROIC)
10.68%
TTM Avg
11.01%
3Y Avg
7.29%
5Y Avg
382.76%
Market Cap
$26.86B
Return on Invested Capital (ROIC)
13.79%
TTM Avg
10.08%
3Y Avg
9.55%
5Y Avg
8.86%
Market Cap
$26.84B
Return on Invested Capital (ROIC)
10.42%
TTM Avg
10.63%
3Y Avg
10.16%
5Y Avg
8.02%
Market Cap
$25.33B
Return on Invested Capital (ROIC)
9.36%
TTM Avg
9.36%
3Y Avg
9.00%
5Y Avg
9.31%
Market Cap
$24.65B
Return on Invested Capital (ROIC)
0.39%
TTM Avg
0.45%
3Y Avg
-21.91%
5Y Avg
-14.38%
Market Cap
$24.62B
Return on Invested Capital (ROIC)
5.83%
TTM Avg
2.69%
3Y Avg
3.04%
5Y Avg
4.15%
Market Cap
$24.32B
Return on Invested Capital (ROIC)
11.51%
TTM Avg
12.54%
3Y Avg
13.34%
5Y Avg
16.33%
Market Cap
$24.02B
Return on Invested Capital (ROIC)
5.87%
TTM Avg
7.48%
3Y Avg
7.73%
5Y Avg
7.95%
Market Cap
$23.92B
Return on Invested Capital (ROIC)
3.76%
TTM Avg
3.56%
3Y Avg
2.80%
5Y Avg
-579.32%
| NAME | MARKET CAP | RETURN ON INVESTED CAPITAL (ROIC) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Cincinnati Financial Corporation (CINF) | $27.32B | 10.68% | 11.01% | 7.29% | 382.76% |
| Regions Financial Corporation (RF)vs › | $26.86B | 13.79% | 10.08% | 9.55% | 8.86% |
| W. R. Berkley Corporation (WRB)vs › | $26.84B | 10.42% | 10.63% | 10.16% | 8.02% |
| Synchrony Financial (SYF)vs › | $25.33B | 9.36% | 9.36% | 9.00% | 9.31% |
| Principal Financial Group, Inc. (PFG)vs › | $24.65B | 0.39% | 0.45% | -21.91% | -14.38% |
| KeyCorp (KEY)vs › | $24.62B | 5.83% | 2.69% | 3.04% | 4.15% |
| T. Rowe Price Group, Inc. (TROW)vs › | $24.32B | 11.51% | 12.54% | 13.34% | 16.33% |
| Brown & Brown, Inc. (BRO)vs › | $24.02B | 5.87% | 7.48% | 7.73% | 7.95% |
| Loews Corporation (L)vs › | $23.92B | 3.76% | 3.56% | 2.80% | -579.32% |
| Citizens Financial Group, Inc. (CFG)vs › | $30.74B | 4.25% | 3.89% | 3.97% | 4.27% |
ROIC
10.7%
ROE
20.0%
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 | 10.68% |
| 2024-12-31 | 11.34% |
| 2023-12-31 | 10.08% |
| 2022-12-31 | -2.94% |
| 2021-12-31 | 15.57% |
| 2020-12-31 | 2251.85% |
| 2019-12-31 | 5120.51% |
| 2018-12-31 | 784.38% |
| 2017-12-31 | 3041.67% |
| 2016-12-31 | 2955.00% |
| 2015-12-31 | 1811.43% |
| 2014-12-31 | 1071.43% |
| 2013-12-31 | 497.12% |
| 2012-12-31 | 404.81% |
| 2011-12-31 | 157.69% |
| 2010-12-31 | 765.31% |
| 2009-12-31 | 881.63% |
| 2008-12-31 | 875.51% |
| 2007-12-31 | 1239.13% |
| 2006-12-31 | 1897.96% |
| 2005-12-31 | 0.00% |
| 2004-12-31 | 0.00% |
| 2003-12-31 | 204.37% |
| 2002-12-31 | 130.05% |
| 2001-12-31 | 105.46% |
| 2000-12-31 | 64.12% |
| 1999-12-31 | 216.10% |
| 1998-12-31 | 0.00% |
| 1997-12-31 | 106.71% |
| 1996-12-31 | 85.37% |
