Occidental Petroleum (NYSE:OXY) has experienced a 27% decline in share price over the past three months, but its long-term financials, particularly its return on equity (ROE) of 8.4%, indicate respectable profitability relative to shareholder equity. Despite this ROE being below the industry average of 14%, Occidental achieved a remarkable 49% net income growth over five years, suggesting effective management and high profit retention, with an anticipated rise in future ROE to 13% as the company reinvests heavily into its business while maintaining a low payout ratio of 9.6%.