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 16.31% is 490% above its 5-year average of 2.77%, near the high end of its 5-year range (-19.75%–17.06%).
As of the fiscal period ended Wednesday, December 31, 2025. 2.25% below its 12-month average of 16.68%.
Annual fiscal-year return on invested capital; no daily interpolation.
RETURN ON INVESTED CAPITAL (ROIC)
16.31%
RETURN ON INVESTED CAPITAL (ROIC) AVG TTM
16.68%
RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y
9.88%
RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y
2.77%
RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y
N/A
RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y
N/A
RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y
N/A
CURRENT VS TTM AVG
-2.25%
CURRENT VS 3Y AVG
+65.04%
CURRENT VS 5Y AVG
+489.52%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
5.98%
median of 95 covered companies
CURRENT VS SECTOR MEDIAN
+172.74%
vs the sector median at left
Nu Holdings Ltd.
Market Cap
$70.47B
Return on Invested Capital (ROIC)
16.31%
TTM Avg
16.68%
3Y Avg
9.88%
5Y Avg
2.77%
Market Cap
$67.22B
Return on Invested Capital (ROIC)
20.79%
TTM Avg
12.46%
3Y Avg
5.83%
5Y Avg
5.47%
Market Cap
$65.73B
Return on Invested Capital (ROIC)
3.61%
TTM Avg
1.79%
3Y Avg
1.78%
5Y Avg
2.63%
Market Cap
$75.32B
Return on Invested Capital (ROIC)
7.24%
TTM Avg
6.91%
3Y Avg
3.79%
5Y Avg
4.20%
Market Cap
$75.19B
Return on Invested Capital (ROIC)
12.16%
TTM Avg
11.68%
3Y Avg
17.25%
5Y Avg
15.63%
Market Cap
$63.72B
Return on Invested Capital (ROIC)
3.37%
TTM Avg
1.69%
3Y Avg
0.84%
5Y Avg
0.98%
Market Cap
$62.71B
Return on Invested Capital (ROIC)
5.25%
TTM Avg
5.15%
3Y Avg
6.33%
5Y Avg
6.87%
Market Cap
$78.81B
Return on Invested Capital (ROIC)
12.10%
TTM Avg
11.86%
3Y Avg
9.68%
5Y Avg
-2.06%
Market Cap
$61.62B
Return on Invested Capital (ROIC)
0.72%
TTM Avg
0.89%
3Y Avg
0.86%
5Y Avg
230.58%
| NAME | MARKET CAP | RETURN ON INVESTED CAPITAL (ROIC) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Nu Holdings Ltd. (NU) | $70.47B | 16.31% | 16.68% | 9.88% | 2.77% |
| The Allstate Corporation (ALL)vs › | $67.22B | 20.79% | 12.46% | 5.83% | 5.47% |
| Truist Financial Corporation (TFC)vs › | $65.73B | 3.61% | 1.79% | 1.78% | 2.63% |
| Apollo Global Management, Inc. (APO)vs › | $75.32B | 7.24% | 6.91% | 3.79% | 4.20% |
| Aon plc (AON)vs › | $75.19B | 12.16% | 11.68% | 17.25% | 15.63% |
| Aflac Incorporated (AFL)vs › | $63.72B | 3.37% | 1.69% | 0.84% | 0.98% |
| Arthur J. Gallagher & Co. (AJG)vs › | $62.71B | 5.25% | 5.15% | 6.33% | 6.87% |
| The Travelers Companies, Inc. (TRV)vs › | $78.81B | 12.10% | 11.86% | 9.68% | -2.06% |
| MetLife, Inc. (MET)vs › | $61.62B | 0.72% | 0.89% | 0.86% | 230.58% |
| Brookfield Asset Management Ltd. (BAM)vs › | $82.54B | 14.45% | 39.92% | 70.92% | 49.63% |
ROIC
16.3%
ROE
25.3%
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 | 16.31% |
| 2024-12-31 | 17.06% |
| 2023-12-31 | 10.59% |
| 2022-12-31 | -4.43% |
| 2021-12-31 | -3.18% |
| 2020-12-31 | -19.75% |
| 2019-12-31 | -3.66% |
| 2018-12-31 | -5.80% |
