Basis: Latest reported fiscal year. 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 4.56% is 33% below its 5-year average of 6.84%, near the low end of its 5-year range (3.89%–8.19%).
As of the fiscal period ended Wednesday, December 31, 2025. 4.59% above its 12-month average of 4.36%.
Annual fiscal-year return on assets; no daily interpolation.
RETURN ON ASSETS (ROA)
4.56%
RETURN ON ASSETS (ROA) AVG TTM
4.36%
RETURN ON ASSETS (ROA) AVG 3Y
6.27%
RETURN ON ASSETS (ROA) AVG 5Y
6.84%
RETURN ON ASSETS (ROA) AVG 10Y
6.86%
RETURN ON ASSETS (ROA) AVG 15Y
7.11%
RETURN ON ASSETS (ROA) AVG 20Y
7.18%
CURRENT VS TTM AVG
+4.59%
CURRENT VS 3Y AVG
-27.30%
CURRENT VS 5Y AVG
-33.35%
CURRENT VS 10Y AVG
-33.48%
CURRENT VS 15Y AVG
-35.86%
CURRENT VS 20Y AVG
-36.51%
SECTOR MEDIAN · HEALTHCARE
4.93%
median of 79 covered companies
CURRENT VS SECTOR MEDIAN
-7.51%
vs the sector median at left
UnitedHealth Group Incorporated
Market Cap
$382.09B
Return on Assets (ROA)
4.56%
TTM Avg
4.36%
3Y Avg
6.27%
5Y Avg
6.84%
Market Cap
$81.91B
Return on Assets (ROA)
3.93%
TTM Avg
4.89%
3Y Avg
5.25%
5Y Avg
5.41%
Market Cap
$76.60B
Return on Assets (ROA)
4.10%
TTM Avg
2.99%
3Y Avg
3.50%
5Y Avg
3.82%
Market Cap
$137.47B
Return on Assets (ROA)
1.16%
TTM Avg
1.25%
3Y Avg
1.93%
5Y Avg
2.38%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| UnitedHealth Group Incorporated (UNH) | $382.09B | 4.56% | 4.36% | 6.27% | 6.84% |
| Elevance Health Inc. (ELV)vs › | $81.91B | 3.93% | 4.89% | 5.25% | 5.41% |
| Cigna Corporation (CI)vs › | $76.60B | 4.10% | 2.99% | 3.50% | 3.82% |
| Humana Inc. (HUM)vs › | $46.74B | 2.04% | 2.52% | 4.20% | 5.49% |
| CVS Health Corp. (CVS)vs › | $137.47B | 1.16% | 1.25% | 1.93% | 2.38% |
| Centene Corp. (CNC)vs › | $31.31B | -7.94% | -2.29% | 0.04% | 0.75% |
ROA
4.6%
ROE
13.5%
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 | 3.89% |
| 2024-12-31 | 4.83% |
| 2023-12-31 | 8.18% |
| 2022-12-31 | 8.19% |
| 2021-12-31 | 8.15% |
| 2020-12-31 | 7.81% |
| 2019-12-31 | 7.96% |
| 2018-12-31 | 7.87% |
| 2017-12-31 | 7.59% |
| 2016-12-31 | 5.72% |
| 2015-12-31 | 5.22% |
| 2014-12-31 | 6.50% |
| 2013-12-31 | 6.87% |
| 2012-12-31 | 6.83% |
| 2011-12-31 | 7.57% |
| 2010-12-31 | 7.35% |
| 2009-12-31 | 6.47% |
| 2008-12-31 | 5.33% |
| 2007-12-31 | 9.14% |
| 2006-12-31 | 8.61% |
| 2005-12-31 | 7.45% |
| 2004-12-31 | 9.28% |
| 2003-12-31 | 9.39% |
| 2002-12-31 | 9.55% |
| 2001-12-31 | 7.31% |
| 2000-12-31 | 6.66% |
| 1999-12-31 | 5.53% |
| 1998-12-31 | -1.71% |
| 1997-12-31 | 6.03% |
| 1996-12-31 | 5.08% |
