(UNH) UnitedHealth - Overview

Sector: Healthcare | Industry: Healthcare Plans | Exchange: NYSE (USA) | Market Cap: 243.303m USD | Total Return: -45.5% in 12m

Stock Health Plans, Pharmacy, Health Services, Information
Total Rating 37
Risk 67
Buy Signal -0.07
Healthcare Plans +1.3
Managed Health Care +7.2
Market Cap: 243,303m
Avg Trading Vol: 1.95B USD
ATR: 3.11%
Peers RS (IBD): 13.9
Risk 5d forecast
Volatility48.1%
Rel. Tail Risk-23.2%
Reward TTM
Sharpe Ratio-1.05
Alpha-48.65
Character TTM
Beta-0.119
Beta Downside0.079
Drawdowns 3y
Max DD61.39%
CAGR/Max DD-0.27
EPS (Earnings per Share) EPS (Earnings per Share) of UNH over the last years for every Quarter: "2021-03": 5.31, "2021-06": 4.7, "2021-09": 4.52, "2021-12": 4.48, "2022-03": 5.49, "2022-06": 5.57, "2022-09": 5.79, "2022-12": 5.34, "2023-03": 6.26, "2023-06": 6.14, "2023-09": 6.56, "2023-12": 6.16, "2024-03": 6.91, "2024-06": 6.8, "2024-09": 6.51, "2024-12": 6.81, "2025-03": 6.85, "2025-06": 4.08, "2025-09": 2.92, "2025-12": 2.11,
EPS CAGR: -22.51%
EPS Trend: -51.7%
Last SUE: 0.00
Qual. Beats: 0
Revenue Revenue of UNH over the last years for every Quarter: 2021-03: 70196, 2021-06: 71321, 2021-09: 72337, 2021-12: 73743, 2022-03: 80149, 2022-06: 80332, 2022-09: 80894, 2022-12: 82787, 2023-03: 91931, 2023-06: 92903, 2023-09: 92361, 2023-12: 94427, 2024-03: 99796, 2024-06: 98855, 2024-09: 100820, 2024-12: 100807, 2025-03: 109575, 2025-06: 111616, 2025-09: 113161, 2025-12: 113215,
Rev. CAGR: 9.65%
Rev. Trend: 97.9%
Last SUE: -0.31
Qual. Beats: 0
Description: UNH UnitedHealth

UnitedHealth Group Incorporated (UNH) is a diversified healthcare company operating in the United States and internationally. The companys business model integrates health insurance and healthcare services.

UNH operates through four segments. UnitedHealthcare provides health benefit plans to various customer groups, including employers and individuals, a common practice in the managed healthcare sector.

Optum Health delivers care services, management, and wellness programs. Optum Insight offers software, consulting, and outsourcing to healthcare organizations, reflecting the growing demand for data-driven solutions in healthcare.

Optum Rx provides pharmacy care services, including retail network contracting and specialty pharmacy. This segment addresses the complex and evolving pharmaceutical supply chain.

Further research on ValueRay can provide deeper insights into UNHs financial performance and market position.

Headlines to Watch Out For
  • Government healthcare program enrollment drives UnitedHealthcare revenue growth
  • Optum Health expands care delivery services, boosting segment income
  • Pharmacy benefit management contracts impact Optum Rx profitability
  • Regulatory changes in healthcare policy create compliance costs
  • Medical cost trends directly influence insurance underwriting margins
Piotroski VR‑10 (Strict) 5.5
Net Income: 12.06b TTM > 0 and > 6% of Revenue
FCF/TA: 0.05 > 0.02 and ΔFCF/TA -1.75 > 1.0
NWC/Revenue: -5.43% < 20% (prev -4.49%; Δ -0.94% < -1%)
CFO/TA 0.06 > 3% & CFO 19.70b > Net Income 12.06b
Net Debt (54.02b) to EBITDA (23.06b): 2.34 < 3
Current Ratio: 0.79 > 1.5 & < 3
Outstanding Shares: last quarter (910.0m) vs 12m ago -1.83% < -2%
Gross Margin: 18.53% > 18% (prev 0.22%; Δ 1.83k% > 0.5%)
Asset Turnover: 147.3% > 50% (prev 134.2%; Δ 13.06% > 0%)
Interest Coverage Ratio: 4.67 > 6 (EBITDA TTM 23.06b / Interest Expense TTM 4.00b)
Altman Z'' 1.38
A: -0.08 (Total Current Assets 90.58b - Total Current Liabilities 114.90b) / Total Assets 309.58b
B: 0.31 (Retained Earnings 95.60b / Total Assets 309.58b)
C: 0.06 (EBIT TTM 18.70b / Avg Total Assets 303.93b)
D: 0.45 (Book Value of Equity 93.55b / Total Liabilities 207.88b)
Altman-Z'' Score: 1.38 = BB
Beneish M -2.81
DSRI: 0.97 (Receivables 52.72b/48.45b, Revenue 447.57b/400.28b)
GMI: 1.21 (GM 18.53% / 22.33%)
AQI: 0.99 (AQ_t 0.67 / AQ_t-1 0.68)
SGI: 1.12 (Revenue 447.57b / 400.28b)
TATA: -0.02 (NI 12.06b - CFO 19.70b) / TA 309.58b)
Beneish M-Score: -2.81 (Cap -4..+1) = A
What is the price of UNH shares? As of April 03, 2026, the stock is trading at USD 270.59 with a total of 9,162,073 shares traded.
Over the past week, the price has changed by +3.44%, over one month by -5.26%, over three months by -16.94% and over the past year by -45.51%.
Is UNH a buy, sell or hold? UnitedHealth has received a consensus analysts rating of 4.15. Therefore, it is recommended to buy UNH.
  • StrongBuy: 14
  • Buy: 6
  • Hold: 5
  • Sell: 1
  • StrongSell: 1
What are the forecasts/targets for the UNH price?
Wallstreet Target Price 358.9 32.6%
Analysts Target Price 358.9 32.6%
UNH Fundamental Data Overview as of 03 April 2026
P/E Trailing = 20.2455
P/E Forward = 15.5039
P/S = 0.5436
P/B = 2.658
P/EG = 0.9816
Revenue TTM = 447.57b USD
EBIT TTM = 18.70b USD
EBITDA TTM = 23.06b USD
Long Term Debt = 72.32b USD (from longTermDebt, last quarter)
Short Term Debt = 6.07b USD (from shortTermDebt, last quarter)
Debt = 78.39b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 54.02b USD (from netDebt column, last quarter)
Enterprise Value = 293.57b USD (243.30b + Debt 78.39b - CCE 28.12b)
Interest Coverage Ratio = 4.67 (Ebit TTM 18.70b / Interest Expense TTM 4.00b)
EV/FCF = 18.26x (Enterprise Value 293.57b / FCF TTM 16.07b)
FCF Yield = 5.48% (FCF TTM 16.07b / Enterprise Value 293.57b)
FCF Margin = 3.59% (FCF TTM 16.07b / Revenue TTM 447.57b)
Net Margin = 2.69% (Net Income TTM 12.06b / Revenue TTM 447.57b)
Gross Margin = 18.53% ((Revenue TTM 447.57b - Cost of Revenue TTM 364.65b) / Revenue TTM)
Gross Margin QoQ = 16.34% (prev 18.24%)
Tobins Q-Ratio = 0.95 (Enterprise Value 293.57b / Total Assets 309.58b)
Interest Expense / Debt = 1.24% (Interest Expense 974.0m / Debt 78.39b)
Taxrate = 12.86% (1.89b / 14.70b)
NOPAT = 16.29b (EBIT 18.70b * (1 - 12.86%))
Current Ratio = 0.79 (Total Current Assets 90.58b / Total Current Liabilities 114.90b)
Debt / Equity = 0.83 (Debt 78.39b / totalStockholderEquity, last quarter 94.11b)
Debt / EBITDA = 2.34 (Net Debt 54.02b / EBITDA 23.06b)
Debt / FCF = 3.36 (Net Debt 54.02b / FCF TTM 16.07b)
Total Stockholder Equity = 94.91b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.97% (Net Income 12.06b / Total Assets 309.58b)
RoE = 12.70% (Net Income TTM 12.06b / Total Stockholder Equity 94.91b)
RoCE = 11.18% (EBIT 18.70b / Capital Employed (Equity 94.91b + L.T.Debt 72.32b))
RoIC = 9.33% (NOPAT 16.29b / Invested Capital 174.66b)
WACC = 4.47% (E(243.30b)/V(321.69b) * Re(5.56%) + D(78.39b)/V(321.69b) * Rd(1.24%) * (1-Tc(0.13)))
Discount Rate = 5.56% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -1.35%
[DCF] Terminal Value 86.14% ; FCFF base≈17.93b ; Y1≈17.57b ; Y5≈17.91b
[DCF] Fair Price = 528.3 (EV 533.58b - Net Debt 54.02b = Equity 479.55b / Shares 907.7m; r=6.0% [WACC]; 5y FCF grow -2.94% → 3.0% )
EPS Correlation: -51.71 | EPS CAGR: -22.51% | SUE: 0.0 | # QB: 0
Revenue Correlation: 97.92 | Revenue CAGR: 9.65% | SUE: -0.31 | # QB: 0
EPS next Quarter (2026-06-30): EPS=4.57 | Chg7d=+0.079 | Chg30d=+0.111 | Revisions Net=+2 | Analysts=23
EPS current Year (2026-12-31): EPS=17.86 | Chg7d=-0.000 | Chg30d=+0.008 | Revisions Net=+2 | Growth EPS=+9.2% | Growth Revenue=-1.3%
EPS next Year (2027-12-31): EPS=19.94 | Chg7d=+0.024 | Chg30d=-0.089 | Revisions Net=-4 | Growth EPS=+11.6% | Growth Revenue=+3.2%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 3.0% (Discount Rate 7.9% - Earnings Yield 4.9%)
[Growth] Growth Spread = -4.8% (Analyst -1.8% - Implied 3.0%)
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