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Return On Equity

Net income divided by average stockholders' equity, measuring the profit generated on shareholders' book-value investment in the company. Unlike return on invested capital, ROE can be inflated by leverage alone since it does not account for how capital is split between debt and equity.

Practice questions using Return On Equity

Original questions written against the published FINRA and NASAA exam content outlines — not actual exam questions. Every choice is explained.

Return on invested capital (ROIC) is generally considered a more rigorous profitability measure than return on equity (ROE) for comparing two companies with different capital structures because ROIC:

  1. A.Divides return by total invested capital (debt plus equity), removing the effect of leverage on the ratioCorrect. ROIC's denominator captures all capital employed, so it is not distorted by how leveraged the company is.
  2. B.Ignores debt entirely and measures only equity returnsWrong. This is the opposite of what ROIC does — its denominator explicitly includes debt.
  3. C.Uses pretax rather than after-tax profitWrong. ROIC conventionally uses after-tax operating profit (NOPAT), not pretax profit.
  4. D.Is always numerically higher than ROEWrong. ROIC is not always higher than ROE; the relationship depends on the company's leverage and returns.

Why: ROIC divides after-tax operating profit by total invested capital (debt plus equity), so it measures how efficiently a company generates returns on all the capital it employs, independent of how that capital is split between debt and equity. ROE, by contrast, can be inflated by leverage alone.

Carrow Logistics reports net income of $16 million and average stockholders' equity of $80 million for the year. What is its return on equity (ROE)?

  1. A.5.0xWrong. This inverts the ratio (equity ÷ net income).
  2. B.16%Wrong. This does not correctly divide the given figures.
  3. C.20%Correct. $16M ÷ $80M = 20%.
  4. D.$64 millionWrong. This subtracts instead of dividing, and ROE is a percentage, not a dollar figure.

Why: ROE = net income ÷ average stockholders' equity = $16M ÷ $80M = 20%.

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