(UNH) UnitedHealth - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US91324P1021
Health Insurance, Care Management, Pharmacy Services, Health Analytics
Dividends
| Dividend Yield | 3.27% |
| Yield on Cost 5y | 3.35% |
| Yield CAGR 5y | 14.08% |
| Payout Consistency | 96.0% |
| Payout Ratio | 42.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 47.7% |
| Value at Risk 5%th | 56.9% |
| Relative Tail Risk | -27.53% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.05 |
| Alpha | -51.29 |
| CAGR/Max DD | -0.22 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.540 |
| Beta | 0.275 |
| Beta Downside | 0.101 |
| Drawdowns 3y | |
|---|---|
| Max DD | 61.39% |
| Mean DD | 16.90% |
| Median DD | 10.47% |
Description: UNH UnitedHealth December 01, 2025
UnitedHealth Group (UNH) is a diversified health-care conglomerate operating through four distinct segments: UnitedHealthcare (commercial, Medicare, Medicaid and individual plans), Optum Health (care delivery and management services), Optum Insight (data-analytics, software and consulting) and Optum Rx (pharmacy-benefit and specialty-pharmacy services). The firm serves a broad customer base-from large employers and government programs to individual consumers-both in the United States and internationally, positioning itself as a one-stop provider of health-benefit, data, and pharmacy solutions.
Key recent metrics underscore UNH’s scale and growth trajectory: FY 2023 revenue reached $44.9 billion with an operating margin of roughly 13 %, and the company reported about 52 million members across its UnitedHealthcare and Optum lines. Medicare Advantage enrollment grew ~5 % YoY in Q4 2023, reflecting demographic aging and the shift toward value-based care. Looking ahead, UNH has guided FY 2024 revenue growth of ~5 % and an EPS target near $15.50, while maintaining strong cash conversion (~$5 billion) to fund acquisitions and technology investments.
For a deeper quantitative dive, you might explore ValueRay’s UNH valuation models.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (17.59b TTM) > 0 and > 6% of Revenue (6% = 26.11b TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA 1.13pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -4.70% (prev -2.36%; Δ -2.34pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 20.96b > Net Income 17.59b (YES >=105%, WARN >=100%) |
| Net Debt (52.93b) to EBITDA (30.52b) ratio: 1.73 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.82 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (912.0m) change vs 12m ago -1.94% (target <= -2.0% for YES) |
| Gross Margin 19.70% (prev 22.87%; Δ -3.17pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 141.6% (prev 131.6%; Δ 10.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 6.51 (EBITDA TTM 30.52b / Interest Expense TTM 4.03b) >= 6 (WARN >= 3) |
Altman Z'' 1.64
| (A) -0.06 = (Total Current Assets 95.07b - Total Current Liabilities 115.53b) / Total Assets 315.27b |
| (B) 0.31 = Retained Earnings (Balance) 97.59b / Total Assets 315.27b |
| (C) 0.09 = EBIT TTM 26.24b / Avg Total Assets 307.29b |
| (D) 0.46 = Book Value of Equity 95.39b / Total Liabilities 209.46b |
| Total Rating: 1.64 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 73.25
| 1. Piotroski 6.50pt |
| 2. FCF Yield 4.99% |
| 3. FCF Margin 3.99% |
| 4. Debt/Equity 0.84 |
| 5. Debt/Ebitda 1.73 |
| 6. ROIC - WACC (= 6.13)% |
| 7. RoE 18.60% |
| 8. Rev. Trend 97.94% |
| 9. EPS Trend -19.56% |
What is the price of UNH shares?
As of December 06, 2025, the stock is trading at USD 330.91 with a total of 5,902,573 shares traded.
Over the past week, the price has changed by +0.35%, over one month by +0.97%, over three months by +5.58% and over the past year by -41.61%.
Over the past week, the price has changed by +0.35%, over one month by +0.97%, over three months by +5.58% and over the past year by -41.61%.
Is UNH a buy, sell or hold?
UnitedHealth has received a consensus analysts rating of 4.15.
Therefore, it is recommended to buy UNH.
- 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 | 386.7 | 16.9% |
| Analysts Target Price | 386.7 | 16.9% |
| ValueRay Target Price | 317 | -4.2% |
UNH Fundamental Data Overview November 30, 2025
Market Cap USD = 298.72b (298.72b USD * 1.0 USD.USD)
P/E Trailing = 17.1845
P/E Forward = 18.622
P/S = 0.6865
P/B = 3.1186
P/EG = 1.2546
Beta = 0.429
Revenue TTM = 435.16b USD
EBIT TTM = 26.24b USD
EBITDA TTM = 30.52b USD
Long Term Debt = 72.40b USD (from longTermDebt, last quarter)
Short Term Debt = 7.74b USD (from shortTermDebt, last quarter)
Debt = 80.14b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 52.93b USD (from netDebt column, last quarter)
Enterprise Value = 348.24b USD (298.72b + Debt 80.14b - CCE 30.61b)
Interest Coverage Ratio = 6.51 (Ebit TTM 26.24b / Interest Expense TTM 4.03b)
FCF Yield = 4.99% (FCF TTM 17.37b / Enterprise Value 348.24b)
FCF Margin = 3.99% (FCF TTM 17.37b / Revenue TTM 435.16b)
Net Margin = 4.04% (Net Income TTM 17.59b / Revenue TTM 435.16b)
Gross Margin = 19.70% ((Revenue TTM 435.16b - Cost of Revenue TTM 349.43b) / Revenue TTM)
Gross Margin QoQ = 18.24% (prev 17.93%)
Tobins Q-Ratio = 1.10 (Enterprise Value 348.24b / Total Assets 315.27b)
Interest Expense / Debt = 1.25% (Interest Expense 1.00b / Debt 80.14b)
Taxrate = 21.24% (686.0m / 3.23b)
NOPAT = 20.66b (EBIT 26.24b * (1 - 21.24%))
Current Ratio = 0.82 (Total Current Assets 95.07b / Total Current Liabilities 115.53b)
Debt / Equity = 0.84 (Debt 80.14b / totalStockholderEquity, last quarter 95.79b)
Debt / EBITDA = 1.73 (Net Debt 52.93b / EBITDA 30.52b)
Debt / FCF = 3.05 (Net Debt 52.93b / FCF TTM 17.37b)
Total Stockholder Equity = 94.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.58% (Net Income 17.59b / Total Assets 315.27b)
RoE = 18.60% (Net Income TTM 17.59b / Total Stockholder Equity 94.55b)
RoCE = 15.72% (EBIT 26.24b / Capital Employed (Equity 94.55b + L.T.Debt 72.40b))
RoIC = 11.88% (NOPAT 20.66b / Invested Capital 173.93b)
WACC = 5.75% (E(298.72b)/V(378.85b) * Re(7.03%) + D(80.14b)/V(378.85b) * Rd(1.25%) * (1-Tc(0.21)))
Discount Rate = 7.03% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -1.24%
[DCF Debug] Terminal Value 79.83% ; FCFE base≈15.66b ; Y1≈17.52b ; Y5≈23.25b
Fair Price DCF = 445.2 (DCF Value 403.27b / Shares Outstanding 905.8m; 5y FCF grow 13.70% → 3.0% )
EPS Correlation: -19.56 | EPS CAGR: -10.79% | SUE: 0.51 | # QB: 0
Revenue Correlation: 97.94 | Revenue CAGR: 12.10% | SUE: 0.08 | # QB: 0
EPS next Quarter (2026-03-31): EPS=6.56 | Chg30d=-0.307 | Revisions Net=-1 | Analysts=18
EPS next Year (2026-12-31): EPS=17.70 | Chg30d=-0.131 | Revisions Net=+6 | Growth EPS=+8.5% | Growth Revenue=+2.2%
P/E Trailing = 17.1845
P/E Forward = 18.622
P/S = 0.6865
P/B = 3.1186
P/EG = 1.2546
Beta = 0.429
Revenue TTM = 435.16b USD
EBIT TTM = 26.24b USD
EBITDA TTM = 30.52b USD
Long Term Debt = 72.40b USD (from longTermDebt, last quarter)
Short Term Debt = 7.74b USD (from shortTermDebt, last quarter)
Debt = 80.14b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 52.93b USD (from netDebt column, last quarter)
Enterprise Value = 348.24b USD (298.72b + Debt 80.14b - CCE 30.61b)
Interest Coverage Ratio = 6.51 (Ebit TTM 26.24b / Interest Expense TTM 4.03b)
FCF Yield = 4.99% (FCF TTM 17.37b / Enterprise Value 348.24b)
FCF Margin = 3.99% (FCF TTM 17.37b / Revenue TTM 435.16b)
Net Margin = 4.04% (Net Income TTM 17.59b / Revenue TTM 435.16b)
Gross Margin = 19.70% ((Revenue TTM 435.16b - Cost of Revenue TTM 349.43b) / Revenue TTM)
Gross Margin QoQ = 18.24% (prev 17.93%)
Tobins Q-Ratio = 1.10 (Enterprise Value 348.24b / Total Assets 315.27b)
Interest Expense / Debt = 1.25% (Interest Expense 1.00b / Debt 80.14b)
Taxrate = 21.24% (686.0m / 3.23b)
NOPAT = 20.66b (EBIT 26.24b * (1 - 21.24%))
Current Ratio = 0.82 (Total Current Assets 95.07b / Total Current Liabilities 115.53b)
Debt / Equity = 0.84 (Debt 80.14b / totalStockholderEquity, last quarter 95.79b)
Debt / EBITDA = 1.73 (Net Debt 52.93b / EBITDA 30.52b)
Debt / FCF = 3.05 (Net Debt 52.93b / FCF TTM 17.37b)
Total Stockholder Equity = 94.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.58% (Net Income 17.59b / Total Assets 315.27b)
RoE = 18.60% (Net Income TTM 17.59b / Total Stockholder Equity 94.55b)
RoCE = 15.72% (EBIT 26.24b / Capital Employed (Equity 94.55b + L.T.Debt 72.40b))
RoIC = 11.88% (NOPAT 20.66b / Invested Capital 173.93b)
WACC = 5.75% (E(298.72b)/V(378.85b) * Re(7.03%) + D(80.14b)/V(378.85b) * Rd(1.25%) * (1-Tc(0.21)))
Discount Rate = 7.03% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -1.24%
[DCF Debug] Terminal Value 79.83% ; FCFE base≈15.66b ; Y1≈17.52b ; Y5≈23.25b
Fair Price DCF = 445.2 (DCF Value 403.27b / Shares Outstanding 905.8m; 5y FCF grow 13.70% → 3.0% )
EPS Correlation: -19.56 | EPS CAGR: -10.79% | SUE: 0.51 | # QB: 0
Revenue Correlation: 97.94 | Revenue CAGR: 12.10% | SUE: 0.08 | # QB: 0
EPS next Quarter (2026-03-31): EPS=6.56 | Chg30d=-0.307 | Revisions Net=-1 | Analysts=18
EPS next Year (2026-12-31): EPS=17.70 | Chg30d=-0.131 | Revisions Net=+6 | Growth EPS=+8.5% | Growth Revenue=+2.2%
Additional Sources for UNH Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle