(UNH) UnitedHealth - Ratings and Ratios
Health Plans, Pharmacy Services, Care Management, Insurance Benefits
UNH EPS (Earnings per Share)
UNH Revenue
Description: UNH UnitedHealth
UnitedHealth Group Incorporated is a diversified healthcare company operating in the United States and internationally, with four main segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The companys segments provide a range of healthcare services, including health benefit plans, care delivery, care management, wellness and consumer engagement, health financial services, software and information products, and pharmacy care services.
From a business perspective, UnitedHealth Group has a strong presence in the managed healthcare industry, with a large customer base across various demographics, including individuals, employers, and government programs. The companys diversified business model, with multiple revenue streams across its segments, provides a degree of stability and resilience. Key performance indicators (KPIs) to watch include revenue growth, medical care ratio, and operating margin. For instance, a rising medical care ratio could indicate increased healthcare costs, while a declining operating margin could signal pricing pressure or inefficiencies.
To further analyze UnitedHealth Groups financial health, we can examine metrics such as return on equity (RoE) and debt-to-equity ratio. With a RoE of 24.09%, the company demonstrates a strong ability to generate profits from shareholder equity. Additionally, we can assess the companys valuation using metrics like price-to-earnings (P/E) ratio and enterprise value-to-EBITDA (EV/EBITDA) ratio. UnitedHealth Groups P/E ratio of 12.53 suggests a relatively reasonable valuation compared to its earnings. Other relevant KPIs include the companys current ratio, interest coverage ratio, and days sales outstanding (DSO).
From a growth perspective, we can monitor UnitedHealth Groups investment in digital transformation, expansion into new markets, and innovation in healthcare services. The companys Optum segment, in particular, has been driving growth through its data analytics and technology capabilities. As the healthcare industry continues to evolve, UnitedHealth Groups ability to adapt and innovate will be crucial to its long-term success. Key growth metrics to track include revenue growth rate, customer acquisition costs, and the percentage of revenue from new services or products.
UNH Stock Overview
| Market Cap in USD | 276,104m |
| Sub-Industry | Managed Health Care |
| IPO / Inception | 1984-10-26 |
UNH Stock Ratings
| Growth Rating | -24.5% |
| Fundamental | 74.6% |
| Dividend Rating | 66.5% |
| Return 12m vs S&P 500 | -55.5% |
| Analyst Rating | 4.15 of 5 |
UNH Dividends
| Dividend Yield 12m | 2.10% |
| Yield on Cost 5y | 2.94% |
| Annual Growth 5y | 11.11% |
| Payout Consistency | 95.3% |
| Payout Ratio | 34.2% |
UNH Growth Ratios
| Growth Correlation 3m | -34.9% |
| Growth Correlation 12m | -88.3% |
| Growth Correlation 5y | 49.1% |
| CAGR 5y | 0.86% |
| CAGR/Max DD 5y | 0.01 |
| Sharpe Ratio 12m | -0.07 |
| Alpha | -56.25 |
| Beta | 0.351 |
| Volatility | 28.61% |
| Current Volume | 8611.5k |
| Average Volume 20d | 16303.2k |
| Stop Loss | 289.9 (-4.1%) |
| Signal | -0.28 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (21.30b TTM) > 0 and > 6% of Revenue (6% = 25.27b TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 6.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -4.06% (prev -3.29%; Δ -0.76pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.09 (>3.0%) and CFO 28.96b > Net Income 21.30b (YES >=105%, WARN >=100%) |
| Net Debt (47.17b) to EBITDA (35.95b) ratio: 1.31 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.85 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (910.0m) change vs 12m ago -1.94% (target <= -2.0% for YES) |
| Gross Margin 20.53% (prev 23.07%; Δ -2.53pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 141.7% (prev 134.0%; Δ 7.62pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7.73 (EBITDA TTM 35.95b / Interest Expense TTM 4.10b) >= 6 (WARN >= 3) |
Altman Z'' 1.93
| (A) -0.06 = (Total Current Assets 93.70b - Total Current Liabilities 110.78b) / Total Assets 308.57b |
| (B) 0.33 = Retained Earnings (Balance) 100.47b / Total Assets 308.57b |
| (C) 0.11 = EBIT TTM 31.73b / Avg Total Assets 297.31b |
| (D) 0.49 = Book Value of Equity 100.47b / Total Liabilities 203.79b |
| Total Rating: 1.93 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 74.59
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 7.82% = 3.91 |
| 3. FCF Margin 6.00% = 1.50 |
| 4. Debt/Equity 0.79 = 2.20 |
| 5. Debt/Ebitda 2.20 = -0.40 |
| 6. ROIC - WACC 8.02% = 10.02 |
| 7. RoE 22.26% = 1.85 |
| 8. Rev. Trend 95.60% = 4.78 |
| 9. Rev. CAGR 12.42% = 1.55 |
| 10. EPS Trend -6.55% = -0.16 |
| 11. EPS CAGR -13.35% = -1.67 |
What is the price of UNH shares?
Over the past week, the price has changed by -0.35%, over one month by +7.15%, over three months by +2.12% and over the past year by -47.67%.
Is UnitedHealth a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UNH is around 265.33 USD . This means that UNH is currently overvalued and has a potential downside of -12.23%.
Is UNH a buy, sell or hold?
- Strong Buy: 14
- Buy: 6
- Hold: 5
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the UNH price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 328.8 | 8.8% |
| Analysts Target Price | 328.8 | 8.8% |
| ValueRay Target Price | 289 | -4.4% |
Last update: 2025-08-27 04:50
UNH Fundamental Data Overview
CCE Cash And Equivalents = 32.02b USD (last quarter)
P/E Trailing = 13.2031
P/E Forward = 18.622
P/S = 0.653
P/B = 2.9393
P/EG = 1.2546
Beta = 0.44
Revenue TTM = 421.18b USD
EBIT TTM = 31.73b USD
EBITDA TTM = 35.95b USD
Long Term Debt = 73.50b USD (from longTermDebt, last quarter)
Short Term Debt = 5.70b USD (from shortTermDebt, last quarter)
Debt = 79.19b USD (Calculated: Short Term 5.70b + Long Term 73.50b)
Net Debt = 47.17b USD (from netDebt column, last quarter)
Enterprise Value = 323.28b USD (276.10b + Debt 79.19b - CCE 32.02b)
Interest Coverage Ratio = 7.73 (Ebit TTM 31.73b / Interest Expense TTM 4.10b)
FCF Yield = 7.82% (FCF TTM 25.27b / Enterprise Value 323.28b)
FCF Margin = 6.00% (FCF TTM 25.27b / Revenue TTM 421.18b)
Net Margin = 5.06% (Net Income TTM 21.30b / Revenue TTM 421.18b)
Gross Margin = 20.53% ((Revenue TTM 421.18b - Cost of Revenue TTM 334.69b) / Revenue TTM)
Tobins Q-Ratio = 3.22 (Enterprise Value 323.28b / Book Value Of Equity 100.47b)
Interest Expense / Debt = 1.30% (Interest Expense 1.03b / Debt 79.19b)
Taxrate = 24.06% (from yearly Income Tax Expense: 4.83b / 20.07b)
NOPAT = 24.09b (EBIT 31.73b * (1 - 24.06%))
Current Ratio = 0.85 (Total Current Assets 93.70b / Total Current Liabilities 110.78b)
Debt / Equity = 0.79 (Debt 79.19b / last Quarter total Stockholder Equity 100.47b)
Debt / EBITDA = 2.20 (Net Debt 47.17b / EBITDA 35.95b)
Debt / FCF = 3.13 (Debt 79.19b / FCF TTM 25.27b)
Total Stockholder Equity = 95.67b (last 4 quarters mean)
RoA = 6.90% (Net Income 21.30b, Total Assets 308.57b )
RoE = 22.26% (Net Income TTM 21.30b / Total Stockholder Equity 95.67b)
RoCE = 18.75% (Ebit 31.73b / (Equity 95.67b + L.T.Debt 73.50b))
RoIC = 13.92% (NOPAT 24.09b / Invested Capital 173.08b)
WACC = 5.90% (E(276.10b)/V(355.30b) * Re(7.31%)) + (D(79.19b)/V(355.30b) * Rd(1.30%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.20%
Discount Rate = 7.31% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 79.83% ; FCFE base≈17.64b ; Y1≈19.74b ; Y5≈26.19b
Fair Price DCF = 501.7 (DCF Value 454.34b / Shares Outstanding 905.7m; 5y FCF grow 13.70% → 3.0% )
Revenue Correlation: 95.60 | Revenue CAGR: 12.42%
Rev Growth-of-Growth: -0.70
EPS Correlation: -6.55 | EPS CAGR: -13.35%
EPS Growth-of-Growth: 64.04
Additional Sources for UNH Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle