(UNH) UnitedHealth - Overview
Sector: Healthcare | Industry: Healthcare Plans | Exchange: NYSE (USA) | Market Cap: 348.737m USD | Total Return: 28.7% in 12m
Avg Turnover: 2.46B
EPS Trend: -58.9%
Qual. Beats: 1
Rev. Trend: 99.6%
Qual. Beats: 1
Warnings
Fakeout Below Avwap Earnings
Tailwinds
Supp Ema20, Garp
UnitedHealth Group Incorporated (UNH) is a diversified healthcare enterprise operating through four primary segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The company utilizes a vertically integrated business model that combines insurance underwriting with direct care delivery, pharmacy benefit management, and data analytics. This structure allows the firm to manage the entire patient lifecycle, from clinical treatment to financial reimbursement.
The UnitedHealthcare division manages a broad range of health benefit plans for employers, individuals, and government programs including Medicare and Medicaid. Complementing this, the Optum segments provide specialized pharmacy services, healthcare technology, and outpatient clinical care. As a leader in the Managed Health Care sub-industry, the company benefits from the long-term trend of value-based care, which prioritizes patient outcomes over the volume of services provided.
For a deeper look into the companys valuation metrics, consider exploring the data on ValueRay. Founded in 1974 and headquartered in Minnesota, UnitedHealth Group maintains a significant footprint in both domestic and international healthcare markets.
- Optum Health value-based care expansion drives long-term segment margin growth
- Medicare Advantage reimbursement rates and utilization trends impact UnitedHealthcare profitability
- Federal antitrust investigations and regulatory scrutiny pose risks to vertical integration
- Optum Rx pharmacy services scale offsets rising medical loss ratios in insurance
- Government contract wins and Medicaid redeterminations influence total membership revenue growth
| Net Income: 12.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -1.74 > 1.0 |
| NWC/Revenue: -5.11% < 20% (prev -4.19%; Δ -0.92% < -1%) |
| CFO/TA 0.07 > 3% & CFO 23.2b > Net Income 12.0b |
| Net Debt (46.7b) to EBITDA (23.0b): 2.03 < 3 |
| Current Ratio: 0.80 > 1.5 & < 3 |
| Outstanding Shares: last quarter (910.0m) vs 12m ago -0.87% < -2% |
| Gross Margin: 18.80% > 18% (prev 21.99%; Δ -3.19% > 0.5%) |
| Asset Turnover: 144.5% > 50% (prev 132.4%; Δ 12.14% > 0%) |
| Interest Coverage Ratio: 4.71 > 6 (EBIT TTM 18.7b / Interest Expense TTM 3.96b) |
| A: -0.07 (Total Current Assets 91.1b - Total Current Liabilities 114b) / Total Assets 313b |
| B: 0.32 (Retained Earnings 99.9b / Total Assets 313b) |
| C: 0.06 (EBIT TTM 18.7b / Avg Total Assets 311b) |
| D: 0.50 (Book Value of Equity 104b / Total Liabilities 207b) |
| Altman-Z'' = 1.49 = BB |
| DSRI: 0.90 (Receivables 26.6b/26.9b, Revenue 450b/410b) |
| GMI: 1.17 (GM 21.99% / 18.80%) |
| AQI: 1.03 (AQ_t 0.67 / AQ_t-1 0.65) |
| SGI: 1.10 (Revenue 450b / 410b) |
| TATA: -0.04 (NI 12.0b - CFO 23.2b) / TA 313b) |
| Beneish M = -2.87 (Cap -4..+1) = A |
As of June 04, 2026, the stock is trading at USD 377.00 with a total of 6,796,062 shares traded.
Over the past week, the price has changed by -1.83%,
over one month by +1.69%,
over three months by +31.37% and
over the past year by +28.69%.
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
| Analysts Target Price | 397.3 | 5.4% |
P/E Trailing = 28.8947
P/E Forward = 21.0084
P/S = 0.7755
P/B = 3.5629
P/EG = 1.3307
Revenue TTM = 450b USD
EBIT TTM = 18.7b USD
EBITDA TTM = 23.0b USD
Long Term Debt = 71.4b USD (from longTermDebt, last quarter)
Short Term Debt = 6.48b USD (from shortTermDebt, last quarter)
Debt = 77.9b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 46.7b USD (calculated: Debt 77.9b - CCE 31.2b)
Enterprise Value = 395b USD (349b + Debt 77.9b - CCE 31.2b)
Interest Coverage Ratio = 4.71 (Ebit TTM 18.7b / Interest Expense TTM 3.96b)
EV/FCF = 20.11x (Enterprise Value 395b / FCF TTM 19.7b)
FCF Yield = 4.97% (FCF TTM 19.7b / Enterprise Value 395b)
FCF Margin = 4.37% (FCF TTM 19.7b / Revenue TTM 450b)
Net Margin = 2.68% (Net Income TTM 12.0b / Revenue TTM 450b)
Gross Margin = 18.80% ((Revenue TTM 450b - Cost of Revenue TTM 365b) / Revenue TTM)
Gross Margin QoQ = 22.74% (prev 16.34%)
Tobins Q-Ratio = 1.26 (Enterprise Value 395b / Total Assets 313b)
Interest Expense / Debt = 5.08% (Interest Expense 3.96b / Debt 77.9b)
Taxrate = 11.96% (1.74b / 14.6b)
NOPAT = 16.4b (EBIT 18.7b * (1 - 11.96%))
Current Ratio = 0.80 (Total Current Assets 91.1b / Total Current Liabilities 114b)
Debt / Equity = 0.75 (Debt 77.9b / totalStockholderEquity, last quarter 104b)
Debt / EBITDA = 2.03 (Net Debt 46.7b / EBITDA 23.0b)
Debt / FCF = 2.37 (Net Debt 46.7b / FCF TTM 19.7b)
Total Stockholder Equity = 97.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.87% (Net Income 12.0b / Total Assets 313b)
RoE = 12.40% (Net Income TTM 12.0b / Total Stockholder Equity 97.1b)
RoCE = 11.07% (EBIT 18.7b / Capital Employed (Equity 97.1b + L.T.Debt 71.4b))
RoIC = 9.00% (NOPAT 16.4b / Invested Capital 183b)
WACC = 5.76% (E(349b)/V(427b) * Re(6.05%) + D(77.9b)/V(427b) * Rd(5.08%) * (1-Tc(0.12)))
Discount Rate = 6.05% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -73.61 | Cagr: -1.20%
[DCF] Terminal Value 73.10% ; FCFF base≈21.7b ; Y1≈19.1b ; Y5≈15.4b
[DCF] Fair Price = 220.9 (EV 247b - Net Debt 46.7b = Equity 201b / Shares 908.1m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -58.87 | EPS CAGR: -11.53% | SUE: 3.16 | # QB: 1
Revenue Correlation: 99.64 | Revenue CAGR: 9.69% | SUE: 1.97 | # QB: 1
EPS current Quarter (2026-06-30): EPS=4.83 | Chg30d=-0.22% | Revisions=+0% | Analysts=23
EPS next Quarter (2026-09-30): EPS=3.73 | Chg30d=+0.01% | Revisions=+25% | Analysts=23
EPS current Year (2026-12-31): EPS=18.37 | Chg30d=+0.12% | Revisions=+25% | GrowthEPS=+12.3% | GrowthRev=-0.7%
EPS next Year (2027-12-31): EPS=20.85 | Chg30d=+0.64% | Revisions=+64% | GrowthEPS=+13.5% | GrowthRev=+2.7%
[Analyst] Revisions Ratio: +64%