Basis: Latest reported fiscal year. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 13.51% is 36% below its 5-year average of 21.18%, near the low end of its 5-year range (12.81%–25.87%).
As of the fiscal period ended Wednesday, December 31, 2025. 4.72% below its 12-month average of 14.18%.
Annual fiscal-year return on equity; no daily interpolation.
RETURN ON EQUITY (ROE)
13.51%
RETURN ON EQUITY (ROE) AVG TTM
14.18%
RETURN ON EQUITY (ROE) AVG 3Y
19.86%
RETURN ON EQUITY (ROE) AVG 5Y
21.18%
RETURN ON EQUITY (ROE) AVG 10Y
21.00%
RETURN ON EQUITY (ROE) AVG 15Y
19.98%
RETURN ON EQUITY (ROE) AVG 20Y
19.56%
CURRENT VS TTM AVG
-4.72%
CURRENT VS 3Y AVG
-31.98%
CURRENT VS 5Y AVG
-36.20%
CURRENT VS 10Y AVG
-35.66%
CURRENT VS 15Y AVG
-32.37%
CURRENT VS 20Y AVG
-30.92%
SECTOR MEDIAN · HEALTHCARE
10.89%
median of 79 covered companies
CURRENT VS SECTOR MEDIAN
+24.06%
vs the sector median at left
UnitedHealth Group Incorporated
Market Cap
$382.09B
Return on Equity (ROE)
13.51%
TTM Avg
14.18%
3Y Avg
19.86%
5Y Avg
21.18%
Market Cap
$81.91B
Return on Equity (ROE)
11.06%
TTM Avg
13.69%
3Y Avg
14.71%
5Y Avg
14.93%
Market Cap
$76.60B
Return on Equity (ROE)
14.90%
TTM Avg
11.32%
3Y Avg
12.19%
5Y Avg
12.83%
Market Cap
$46.74B
Return on Equity (ROE)
6.08%
TTM Avg
7.05%
3Y Avg
11.93%
5Y Avg
15.09%
Market Cap
$137.47B
Return on Equity (ROE)
3.79%
TTM Avg
4.23%
3Y Avg
6.35%
5Y Avg
7.74%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| UnitedHealth Group Incorporated (UNH) | $382.09B | 13.51% | 14.18% | 19.86% | 21.18% |
| Elevance Health Inc. (ELV)vs › | $81.91B | 11.06% | 13.69% | 14.71% | 14.93% |
| Cigna Corporation (CI)vs › | $76.60B | 14.90% | 11.32% | 12.19% | 12.83% |
| Humana Inc. (HUM)vs › | $46.74B | 6.08% | 7.05% | 11.93% | 15.09% |
| CVS Health Corp. (CVS)vs › | $137.47B | 3.79% | 4.23% | 6.35% | 7.74% |
| Centene Corp. (CNC)vs › | $31.31B | -30.07% | -10.46% | -1.37% | 1.10% |
ROE
13.5%
ROA
4.6%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2025-12-31 | 12.81% |
| 2024-12-31 | 15.55% |
| 2023-12-31 | 25.22% |
| 2022-12-31 | 25.87% |
| 2021-12-31 | 24.09% |
| 2020-12-31 | 23.52% |
| 2019-12-31 | 24.02% |
| 2018-12-31 | 23.19% |
| 2017-12-31 | 21.19% |
| 2016-12-31 | 18.27% |
| 2015-12-31 | 17.24% |
| 2014-12-31 | 17.31% |
| 2013-12-31 | 17.50% |
| 2012-12-31 | 17.72% |
| 2011-12-31 | 18.17% |
| 2010-12-31 | 17.94% |
| 2009-12-31 | 16.19% |
| 2008-12-31 | 14.33% |
| 2007-12-31 | 23.20% |
| 2006-12-31 | 19.99% |
| 2005-12-31 | 17.39% |
| 2004-12-31 | 24.14% |
| 2003-12-31 | 32.27% |
| 2002-12-31 | 30.53% |
| 2001-12-31 | 23.46% |
| 2000-12-31 | 19.96% |
| 1999-12-31 | 14.70% |
| 1998-12-31 | -4.11% |
| 1997-12-31 | 10.15% |
| 1996-12-31 | 9.30% |
