5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
UnitedHealth Group's 5-Year ROIIC % for the quarter that ended in Dec. 2025 was -0.60%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for UnitedHealth Group's 5-Year ROIIC % or its related term are showing as below:
XSWX:UNH's 5-Year ROIIC % is ranked worse than 61.11% of 18
companies
in the Healthcare Plans industry
Industry Median: 3.295
vs XSWX:UNH: -0.60
UnitedHealth Group (XSWX:UNH) 5-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
UnitedHealth Group 5-Year ROIIC % Related Terms
UnitedHealth Group 5-Year ROIIC % Historical Data
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The historical data trend for UnitedHealth Group's 5-Year ROIIC % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XSWX:UNH vs CVS, ELV, CI: 5-Year ROIIC % Comparison
For the Healthcare Plans subindustry, UnitedHealth Group's 5-Year ROIIC %, along with its competitors' market caps and 5-Year ROIIC % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UnitedHealth Group 5-Year ROIIC % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where UnitedHealth Group's 5-Year ROIIC % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
** Annual data of NOPAT and Invested Capital was used to calculate 5-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
UnitedHealth Group (XSWX:UNH) has a 5-Year ROIIC % of -0.60 as of Dec. 2025. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on UnitedHealth Group and its competitors. According to the industry distribution chart, UnitedHealth Group ranks #11 out of 18 companies in the Healthcare Plans industry, placing it in the top 61.1%.
Is UnitedHealth Group's 5-Year ROIIC % too high?
UnitedHealth Group's current 5-Year ROIIC % is -0.60. Based on the distribution chart, UnitedHealth Group ranks #11 out of 18 companies in the Healthcare Plans industry, which is below the industry midpoint. Overall, UnitedHealth Group has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UnitedHealth Group's 5-Year ROIIC % compare to CVS and ELV?
According to the Healthcare Plans industry distribution chart, UnitedHealth Group ranks #11 out of 18 companies for 5-Year ROIIC %. This places UnitedHealth Group in the lower half of its industry. The industry median 5-Year ROIIC % is 3.30. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for a Healthcare Plans company?
The median 5-Year ROIIC % among Healthcare Plans companies is 3.30, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on UnitedHealth Group and its competitors. For the Healthcare Plans industry, the median 5-Year ROIIC % is 3.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UnitedHealth Group's current 5-Year ROIIC % is -0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UnitedHealth Group stock overvalued right now?
Based on GuruFocus' analysis, UnitedHealth Group (XSWX:UNH) is currently considered Modestly Undervalued. The stock's GF Value™ is CHF474.88, compared to a current price of CHF342.65 — trading 27.8% below its estimated fair value. The current 5-Year ROIIC % is -0.60. UnitedHealth Group's overall GF Score™ is 79/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For UnitedHealth Group (XSWX:UNH), the current 5-Year ROIIC % is -0.60 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UnitedHealth Group (XSWX:UNH) Overvalued in 2026?
Based on GuruFocus' analysis, UnitedHealth Group stock appears to be undervalued.
The current stock price of CHF342.65 is trading 27.8% below its estimated GF Value™ of CHF474.88.
GuruFocus considers UnitedHealth Group to be Modestly Undervalued.
Key valuation signals for XSWX:UNH:
5-Year ROIIC %: -0.60
GF Value™: CHF474.88 vs. price of CHF342.65 (27.8% below fair value)
No single metric tells the full story. See the XSWX:UNH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UnitedHealth Group is one of the largest private health insurers and provides medical benefits to about 51 million members globally, including 1 million outside the US as of December 2025. As a leader in employer-sponsored, self-directed, and government-backed insurance plans, UnitedHealth has obtained massive scale in medical insurance. Along with its insurance assets, UnitedHealth's Optum franchises help create a healthcare services colossus that spans everything from pharmaceutical benefits to providing outpatient care and analytics to affiliates and third parties.
79GF Score
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