(UNH) UnitedHealth - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US91324P1021
Stock: Insurance, Pharmacy, Analytics, Care Delivery
Total Rating 27
Risk 60
Buy Signal -1.31
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.48% |
| Yield on Cost 5y | 2.92% |
| Yield CAGR 5y | 11.74% |
| Payout Consistency | 96.8% |
| Payout Ratio | 54.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 50.2% |
| Relative Tail Risk | -19.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.13 |
| Alpha | -56.59 |
| Character TTM | |
|---|---|
| Beta | 0.299 |
| Beta Downside | 0.238 |
| Drawdowns 3y | |
|---|---|
| Max DD | 61.39% |
| CAGR/Max DD | -0.27 |
Description: UNH UnitedHealth January 26, 2026
UnitedHealth Group (NYSE: UNH) is a diversified health-care company operating through four distinct segments: UnitedHealthcare (commercial, Medicare, Medicaid and individual plans), Optum Health (care delivery and management), Optum Insight (data-analytics, software and consulting) and Optum Rx (pharmacy-benefit services). The firm serves employers, government programs, providers and consumers across the United States and select international markets.
In its most recent fiscal year (2023), UNH reported total revenue of **$324 billion**, a 5.2% year-over-year increase, driven primarily by strong growth in Medicare Advantage enrollment (+4.5% YoY) and expanding Optum’s data-analytics contracts (+9% YoY). The company’s operating margin held at **6.1%**, while cash flow from operations exceeded **$30 billion**, underscoring its ability to fund acquisitions and share-repurchase programs. Key sector drivers include an aging U.S. population (projected to reach 77 million over 65 by 2035) and rising prescription-drug spending, both of which bolster demand for UnitedHealthcare’s benefit plans and Optum Rx’s pharmacy services.
For a deeper quantitative dive, consult ValueRay’s UN H valuation dashboard.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 14.23b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 3.39 > 1.0 |
| NWC/Revenue: -5.43% < 20% (prev -4.49%; Δ -0.94% < -1%) |
| CFO/TA 0.12 > 3% & CFO 38.29b > Net Income 14.23b |
| Net Debt (50.27b) to EBITDA (23.06b): 2.18 < 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 1830 % > 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'' 1.43
| A: -0.08 (Total Current Assets 90.58b - Total Current Liabilities 114.90b) / Total Assets 309.58b |
| B: 0.32 (Retained Earnings 97.59b / Total Assets 309.58b) |
| C: 0.06 (EBIT TTM 18.70b / Avg Total Assets 303.93b) |
| D: 0.48 (Book Value of Equity 100.09b / Total Liabilities 207.88b) |
| Altman-Z'' Score: 1.43 = BB |
What is the price of UNH shares?
As of February 06, 2026, the stock is trading at USD 268.55 with a total of 13,035,324 shares traded.
Over the past week, the price has changed by -8.12%, over one month by -21.48%, over three months by -17.51% and over the past year by -49.03%.
Over the past week, the price has changed by -8.12%, over one month by -21.48%, over three months by -17.51% and over the past year by -49.03%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 371.1 | 38.2% |
| Analysts Target Price | 371.1 | 38.2% |
| ValueRay Target Price | 265.1 | -1.3% |
UNH Fundamental Data Overview February 01, 2026
P/E Trailing = 15.2218
P/E Forward = 20.0803
P/S = 0.5807
P/B = 3.382
P/EG = 1.3526
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 = 50.27b USD (from netDebt column, last quarter)
Enterprise Value = 310.18b USD (259.91b + Debt 78.39b - CCE 28.12b)
Interest Coverage Ratio = 4.67 (Ebit TTM 18.70b / Interest Expense TTM 4.00b)
EV/FCF = 9.70x (Enterprise Value 310.18b / FCF TTM 31.99b)
FCF Yield = 10.31% (FCF TTM 31.99b / Enterprise Value 310.18b)
FCF Margin = 7.15% (FCF TTM 31.99b / Revenue TTM 447.57b)
Net Margin = 3.18% (Net Income TTM 14.23b / 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 = 1.00 (Enterprise Value 310.18b / Total Assets 309.58b)
Interest Expense / Debt = 1.24% (Interest Expense 974.0m / Debt 78.39b)
Taxrate = 21.0% (US default 21%)
NOPAT = 14.77b (EBIT 18.70b * (1 - 21.00%))
Current Ratio = 0.79 (Total Current Assets 90.58b / Total Current Liabilities 114.90b)
Debt / Equity = 0.78 (Debt 78.39b / totalStockholderEquity, last quarter 100.09b)
Debt / EBITDA = 2.18 (Net Debt 50.27b / EBITDA 23.06b)
Debt / FCF = 1.57 (Net Debt 50.27b / FCF TTM 31.99b)
Total Stockholder Equity = 96.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.68% (Net Income 14.23b / Total Assets 309.58b)
RoE = 14.76% (Net Income TTM 14.23b / Total Stockholder Equity 96.41b)
RoCE = 11.08% (EBIT 18.70b / Capital Employed (Equity 96.41b + L.T.Debt 72.32b))
RoIC = 8.42% (NOPAT 14.77b / Invested Capital 175.38b)
WACC = 5.62% (E(259.91b)/V(338.30b) * Re(7.02%) + D(78.39b)/V(338.30b) * Rd(1.24%) * (1-Tc(0.21)))
Discount Rate = 7.02% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.11%
[DCF Debug] Terminal Value 88.18% ; FCFF base≈27.48b ; Y1≈32.93b ; Y5≈52.48b
Fair Price DCF = 1636 (EV 1532.57b - Net Debt 50.27b = Equity 1482.31b / Shares 905.8m; r=5.90% [WACC]; 5y FCF grow 21.19% → 2.90% )
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 (2026-03-31): EPS=6.80 | Chg30d=+0.195 | Revisions Net=+1 | Analysts=20
EPS current Year (2026-12-31): EPS=17.84 | Chg30d=+0.076 | Revisions Net=+0 | Growth EPS=+9.1% | Growth Revenue=-0.4%
EPS next Year (2027-12-31): EPS=20.11 | Chg30d=-0.736 | Revisions Net=+1 | Growth EPS=+12.7% | Growth Revenue=+3.9%
P/E Forward = 20.0803
P/S = 0.5807
P/B = 3.382
P/EG = 1.3526
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 = 50.27b USD (from netDebt column, last quarter)
Enterprise Value = 310.18b USD (259.91b + Debt 78.39b - CCE 28.12b)
Interest Coverage Ratio = 4.67 (Ebit TTM 18.70b / Interest Expense TTM 4.00b)
EV/FCF = 9.70x (Enterprise Value 310.18b / FCF TTM 31.99b)
FCF Yield = 10.31% (FCF TTM 31.99b / Enterprise Value 310.18b)
FCF Margin = 7.15% (FCF TTM 31.99b / Revenue TTM 447.57b)
Net Margin = 3.18% (Net Income TTM 14.23b / 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 = 1.00 (Enterprise Value 310.18b / Total Assets 309.58b)
Interest Expense / Debt = 1.24% (Interest Expense 974.0m / Debt 78.39b)
Taxrate = 21.0% (US default 21%)
NOPAT = 14.77b (EBIT 18.70b * (1 - 21.00%))
Current Ratio = 0.79 (Total Current Assets 90.58b / Total Current Liabilities 114.90b)
Debt / Equity = 0.78 (Debt 78.39b / totalStockholderEquity, last quarter 100.09b)
Debt / EBITDA = 2.18 (Net Debt 50.27b / EBITDA 23.06b)
Debt / FCF = 1.57 (Net Debt 50.27b / FCF TTM 31.99b)
Total Stockholder Equity = 96.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.68% (Net Income 14.23b / Total Assets 309.58b)
RoE = 14.76% (Net Income TTM 14.23b / Total Stockholder Equity 96.41b)
RoCE = 11.08% (EBIT 18.70b / Capital Employed (Equity 96.41b + L.T.Debt 72.32b))
RoIC = 8.42% (NOPAT 14.77b / Invested Capital 175.38b)
WACC = 5.62% (E(259.91b)/V(338.30b) * Re(7.02%) + D(78.39b)/V(338.30b) * Rd(1.24%) * (1-Tc(0.21)))
Discount Rate = 7.02% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.11%
[DCF Debug] Terminal Value 88.18% ; FCFF base≈27.48b ; Y1≈32.93b ; Y5≈52.48b
Fair Price DCF = 1636 (EV 1532.57b - Net Debt 50.27b = Equity 1482.31b / Shares 905.8m; r=5.90% [WACC]; 5y FCF grow 21.19% → 2.90% )
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 (2026-03-31): EPS=6.80 | Chg30d=+0.195 | Revisions Net=+1 | Analysts=20
EPS current Year (2026-12-31): EPS=17.84 | Chg30d=+0.076 | Revisions Net=+0 | Growth EPS=+9.1% | Growth Revenue=-0.4%
EPS next Year (2027-12-31): EPS=20.11 | Chg30d=-0.736 | Revisions Net=+1 | Growth EPS=+12.7% | Growth Revenue=+3.9%