(UNH) UnitedHealth - Ratings and Ratios
Insurance, Care Delivery, Analytics, Pharmacy Services
UNH EPS (Earnings per Share)
UNH Revenue
Description: UNH UnitedHealth
UnitedHealth Group (NYSE: UNH) is a diversified health-care company headquartered in Eden Prairie, Minnesota, operating globally through four primary segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx.
The UnitedHealthcare segment delivers consumer-oriented health-benefit plans to a broad spectrum of customers-including large national employers, public-sector entities, mid-size and small businesses, and individuals-while also providing Medicare Advantage, Medicaid, and Children’s Health Insurance Program (CHIP) coverage to underserved populations.
Optum Health focuses on care delivery and management services, offering wellness programs, consumer engagement tools, and health-financial solutions to patients, providers, employers, payers, and government agencies.
Optum Insight supplies software, data analytics, advisory consulting, and managed-service outsourcing to hospitals, physicians, health plans, life-science firms, and governmental bodies, positioning the business as a key enabler of value-based care.
Optum Rx administers pharmacy-care services, including retail network contracting, home delivery, specialty pharmacy, infusion services, and formulary-management programs such as step therapy and drug-adherence initiatives.
**Key recent metrics (FY 2024):**
• Total revenue ≈ $324 billion, up ~6% YoY, driven by enrollment growth in Medicare Advantage (≈ 30 million members) and expanding Optum services.
• Operating margin ≈ 6.2%, reflecting disciplined cost control amid rising health-care inflation (~4.5% YoY).
• Free cash flow generation of roughly $15 billion, supporting a ~ 19% dividend yield and ongoing share-repurchase program.
**Sector drivers:** The aging U.S. population and the shift toward value-based reimbursement models are fueling demand for integrated care solutions, a niche where UnitedHealth’s Optum platforms have a competitive edge. Conversely, regulatory risk-particularly potential changes to Medicare Advantage payment rates-remains a material uncertainty.
For a deeper dive into UNH’s valuation metrics and scenario analysis, the ValueRay platform offers a transparent, data-driven toolkit you may find useful.
UNH Stock Overview
| Market Cap in USD | 333,007m |
| Sub-Industry | Managed Health Care |
| IPO / Inception | 1984-10-26 |
UNH Stock Ratings
| Growth Rating | -47.5% |
| Fundamental | 79.5% |
| Dividend Rating | 70.5% |
| Return 12m vs S&P 500 | -44.7% |
| Analyst Rating | 4.15 of 5 |
UNH Dividends
| Dividend Yield 12m | 2.42% |
| Yield on Cost 5y | 2.88% |
| Annual Growth 5y | 14.08% |
| Payout Consistency | 96.7% |
| Payout Ratio | 34.2% |
UNH Growth Ratios
| Growth Correlation 3m | 93.2% |
| Growth Correlation 12m | -80.8% |
| Growth Correlation 5y | 36.3% |
| CAGR 5y | -11.17% |
| CAGR/Max DD 3y (Calmar Ratio) | -0.18 |
| CAGR/Mean DD 3y (Pain Ratio) | -0.73 |
| Sharpe Ratio 12m | 0.09 |
| Alpha | -44.34 |
| Beta | 0.478 |
| Volatility | 30.05% |
| Current Volume | 8608.4k |
| Average Volume 20d | 8564.2k |
| Stop Loss | 345.9 (-3%) |
| Signal | 0.24 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (21.30b TTM) > 0 and > 6% of Revenue (6% = 25.37b TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 6.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -4.04% (prev -3.28%; 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 (50.60b) to EBITDA (34.92b) ratio: 1.45 <= 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 20.84% (prev 23.47%; Δ -2.63pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 142.2% (prev 134.7%; Δ 7.47pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7.48 (EBITDA TTM 34.92b / Interest Expense TTM 4.10b) >= 6 (WARN >= 3) |
Altman Z'' 1.85
| (A) -0.06 = (Total Current Assets 93.70b - Total Current Liabilities 110.78b) / Total Assets 308.57b |
| (B) 0.32 = Retained Earnings (Balance) 97.25b / Total Assets 308.57b |
| (C) 0.10 = EBIT TTM 30.70b / Avg Total Assets 297.31b |
| (D) 0.46 = Book Value of Equity 94.72b / Total Liabilities 203.79b |
| Total Rating: 1.85 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 79.54
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 6.65% = 3.32 |
| 3. FCF Margin 5.98% = 1.49 |
| 4. Debt/Equity 0.84 = 2.16 |
| 5. Debt/Ebitda 1.45 = 1.05 |
| 6. ROIC - WACC (= 9.02)% = 11.27 |
| 7. RoE 22.60% = 1.88 |
| 8. Rev. Trend 95.97% = 7.20 |
| 9. EPS Trend 3.28% = 0.16 |
What is the price of UNH shares?
Over the past week, the price has changed by -0.57%, over one month by +5.91%, over three months by +27.19% and over the past year by -36.25%.
Is UnitedHealth a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UNH is around 305.04 USD . This means that UNH is currently overvalued and has a potential downside of -14.46%.
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 | 357 | 0.1% |
| Analysts Target Price | 357 | 0.1% |
| ValueRay Target Price | 334 | -6.3% |
Last update: 2025-10-11 03:57
UNH Fundamental Data Overview
P/E Trailing = 15.9242
P/E Forward = 20.0803
P/S = 0.7876
P/B = 3.382
P/EG = 1.3526
Beta = 0.478
Revenue TTM = 422.82b USD
EBIT TTM = 30.70b USD
EBITDA TTM = 34.92b 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 (from shortLongTermDebtTotal, last quarter)
Net Debt = 50.60b USD (from netDebt column, last quarter)
Enterprise Value = 380.18b USD (333.01b + Debt 79.19b - CCE 32.02b)
Interest Coverage Ratio = 7.48 (Ebit TTM 30.70b / Interest Expense TTM 4.10b)
FCF Yield = 6.65% (FCF TTM 25.27b / Enterprise Value 380.18b)
FCF Margin = 5.98% (FCF TTM 25.27b / Revenue TTM 422.82b)
Net Margin = 5.04% (Net Income TTM 21.30b / Revenue TTM 422.82b)
Gross Margin = 20.84% ((Revenue TTM 422.82b - Cost of Revenue TTM 334.69b) / Revenue TTM)
Gross Margin QoQ = 17.93% (prev 21.70%)
Tobins Q-Ratio = 1.23 (Enterprise Value 380.18b / Total Assets 308.57b)
Interest Expense / Debt = 1.30% (Interest Expense 1.03b / Debt 79.19b)
Taxrate = 12.49% (510.0m / 4.08b)
NOPAT = 26.86b (EBIT 30.70b * (1 - 12.49%))
Current Ratio = 0.85 (Total Current Assets 93.70b / Total Current Liabilities 110.78b)
Debt / Equity = 0.84 (Debt 79.19b / totalStockholderEquity, last quarter 94.72b)
Debt / EBITDA = 1.45 (Net Debt 50.60b / EBITDA 34.92b)
Debt / FCF = 2.00 (Net Debt 50.60b / FCF TTM 25.27b)
Total Stockholder Equity = 94.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.90% (Net Income 21.30b / Total Assets 308.57b)
RoE = 22.60% (Net Income TTM 21.30b / Total Stockholder Equity 94.24b)
RoCE = 18.30% (EBIT 30.70b / Capital Employed (Equity 94.24b + L.T.Debt 73.50b))
RoIC = 15.52% (NOPAT 26.86b / Invested Capital 173.08b)
WACC = 6.50% (E(333.01b)/V(412.20b) * Re(7.78%) + D(79.19b)/V(412.20b) * Rd(1.30%) * (1-Tc(0.12)))
Discount Rate = 7.78% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -1.35%
[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% )
EPS Correlation: 3.28 | EPS CAGR: -11.95% | SUE: -3.30 | # QB: 0
Revenue Correlation: 95.97 | Revenue CAGR: 12.42% | SUE: 0.01 | # QB: 0
Additional Sources for UNH Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle