UnitedHealth Group Incorporated (UNH)

NYSE: UNH · USD

$402

-6.54 (-1.6%)· Recorded snapshot

Coverage state: Latest published research available

Market snapshot recorded 2026-08-12 02:00 UTC. Latest published research analyzed 2026-05-08 · historical · sources unverified. Prices and fundamentals on this server-rendered page are dated snapshots, not a real-time trading feed.

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StockMarketAgent Research · Analyzed 2026-05-08

Our latest published analysis: UNH rated Reduce

Reduce rating assigned. The current market price exceeds our $339.99 fair value midpoint by 10%, fully pricing in a rapid margin recovery while ignoring near-term headwinds.

Fair value (mid)

$340 / share

$230 – $450

Upside to FV

-10.1%

from $402

Confidence

88/100

Moat

9/10

Market cap	$343.3B
Revenue (ttm)	450.1B
Net income (ttm)	14.1B
EPS (ttm)	$15.5
Shares out	897.6M
P/E (trailing)	25.9x
P/E (forward)	18.2x
Dividend	$9.28 (2.31%)
Volume	3,400,214
Beta	0.63
Price target	$475	+18.2%

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 450.1B
Net income (ttm): 14.1B
EPS (ttm): $15.5
P/E (trailing): 25.9x
P/E (forward): 18.2x
Market cap: $343.3B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$287.60B	$324.16B	$371.62B	$400.28B	$447.57B	+11.7%
Gross profit	$69.65B	$79.62B	$90.96B	$89.40B	$82.92B	+4.5%
Operating income	$23.97B	$28.44B	$32.36B	$32.29B	$18.96B	-5.7%
Net income	$17.29B	$20.12B	$22.38B	$14.41B	$12.06B	-8.6%
EPS (diluted)	$18.08	$21.18	$23.86	$15.51	$13.23	-7.5%
EBITDA	$27.07B	$31.84B	$36.33B	$28.08B	$23.06B	-3.9%
R&D	—	—	—	—	—	—
SG&A	—	—	—	—	—	—

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AAPL	Apple Inc.	4.4T	35.0x	9.5x	101.6%	+6.1%	+33.6%	Sell
ABNB	Airbnb Inc.	109.1B	41.9x	8.3x	16.8%	+24.4%	+52.9%	Hold
ADBE	Adobe Inc.	104.8B	15.1x	4.2x	60.7%	+11.9%	-22.7%	Strong Buy
ABBV	AbbVie Inc.	441.9B	70.7x	6.9x	17.7%	+3.7%	+30.2%	Hold
ABT	Abbott Laboratories	189.9B	35.5x	4.1x	7.5%	+3.0%	-16.4%	Strong Buy
AMGN	Amgen Inc.	224B	25.7x	5.9x	19.8%	+8.4%	+48.1%	Strong Buy

All UNH indicators

Market & fundamental data

Available fields

278

Groups with data

Currency

USD

Showing 278 of 278 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000731766
Company name	UnitedHealth Group Incorporated
Country	United States
Country code	US
Cusip	91324P102
Employees	390,000
Employees Change	-10,000%
Employees Change Percent	-2.5
Enterprise value	$405.7B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
In Index	SP500, DOW30
Industry	Healthcare Plans
Industry PE	27.88
Industry PE Fwd	15.56
IPO Date	1984-10-17
Isin	US91324P1021
Last refreshed	2026-08-12
Market cap	$361B
Market cap category	Mega-Cap
Price	$402
Price currency	USD
Rev Per Employee	1,154,176.92x
Sector	Healthcare
Sector PE	50.11
Sector PE Fwd	22.7
Sic	6324
Symbol	UNH
Website	https://www.unitedhealthgroup.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	3.91%
EV Earnings	28.73x
EV Sales Forward	0.9x
EV/EBIT	18.72x
EV/EBITDA	15.63x
EV/FCF	17.18x
EV/Sales	0.9x
FCF yield	6.54%
Forward P/E	18.9x
P/B ratio	3.7x
P/E ratio	25.89x
P/S ratio	0.8x
PE Ratio10 Y	22.38x
PE Ratio3 Y	25.08x
PE Ratio5 Y	24.87x
PEG ratio	1.48x
PS Forward	0.81x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	4.82%
EBITDA Margin	5.77%
FCF margin	5.25%
Gross margin	19.51%
Gross Profit	$87.8B
Net Income	$14.1B
Net Income Growth	-33.69%
Net Income Growth Q	61.01%
Net Income Growth Quarters	1%
Net Income Growth Years	0%
Net Income Growth3 Y	-12.54%
Net Income Growth5 Y	-0.54%
Pretax Margin	3.87%
Profit Margin	3.14%
Profit Per Employee	$36,210
Profitable Quarters	$9
Profitable Years	27
ROA	4.38
Roa5y	6.76
ROCE	10.95
ROE	14.15
Roe5y	20.42
ROIC	10.23
Roic5y	14.63

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	12.81%
Cagr15y	18.18%
Cagr1y	64.66%
Cagr20y	12.77%
Cagr3y	-5.32%
Cagr5y	1.29%
Div CAGR10	15.46%
Div CAGR3	9.43%
Div CAGR5	11.47%
EPS Growth	-32.8
EPS Growth Q	61.5
EPS Growth Quarters	2
EPS Growth Years	0
EPS Growth3 Y	-11.4
EPS Growth5 Y	0.52
FCF Growth	-6.55%
FCF Growth Q	62.69%
FCF Growth3 Y	-14.81%
FCF Growth5 Y	4.99%
OCF Growth	-6.7%
OCF Growth Q	53.76%
OCF Growth10 Y	10.11%
OCF Growth3 Y	-13.24%
OCF Growth5 Y	5.4%
Revenue Growth	6.46x
Revenue Growth Q	0.37x
Revenue Growth Quarters	126x
Revenue Growth Years	33x
Revenue Growth3 Y	8.9x
Revenue Growth5 Y	10.59x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$1.46
Assets	$309.7B
Cash	$31.5B
Debt	$73.3B
Debt EBITDA	$2.82
Debt Equity	$0.69
Debt FCF	$3.1
Equity	$105.9B
Interest Coverage	5.57
Liabilities	$203.8B
Net Cash	$-44.7B
Net Cash By Market Cap	$-12.39
Net Debt EBITDA	$1.72
Net Debt Equity	$0.42
Net Debt FCF	$1.89
Tangible Book Value	$-31.9B
Tangible Book Value Per Share	$-35.3
WACC	7.19

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.78
Net Working Capital	$-49.7B
Quick ratio	0.7
Working Capital	$-25B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	1.47%
Dividend Growth	5.17%
Dividend Growth Years	16%
Dividend per share	$9.28
Dividend Years	34
Dividend Yield	2.31%
Ex Div Date	2026-06-15
Last Dividend	$2.32
Payout Frequency	Quarterly
Payout Ratio	59.74%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	233.6%
1Y total return	64.6%
200-day SMA	346.4
3Y total return	-15.13%
50-day SMA	413.8
50-day SMA vs 200-day SMA	50over200
5Y total return	6.63%
All Time High	630.7
All Time High Change	-36.23%
All Time High Date	2024-11-11
All Time Low	0.08
All Time Low Change	490,375.61%
All Time Low Date	1987-11-16
ATR	11.5
Beta	0.63
Beta1y	0.8
Beta2y	0.39
Ch YTD	21.84
High	410.9
High52	461.6
High52 Date	2026-07-16
High52ch	-12.87%
Low	401.3
Low52	252.1
Low52 Date	2025-08-11
Low52ch	59.51%
Ma50ch	-2.8%
Premarket Change Percent	0.31
Premarket Price	$410
Premarket Volume	7,892
Price vs 200-day SMA	16.12%
RSI	41.38
RSI Monthly	50.69
RSI Weekly	59.33
Sharpe ratio	1.41x
Sortino ratio	2.24
Total Return	3.77%
Tr YTD	23.48
Tr15y	1,125.9%
Tr1m	-5.28%
Tr1w	-1.32%
Tr3m	6.45%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	27
Analyst Count Top	14
Analyst Price Target Top	$477
Analyst Ratings	Buy
Analyst Ratings Top	Strong Buy
Earnings EPS Estimate	$4.85
Earnings EPS Estimate Growth	18.87
Earnings Revenue Estimate	110,765,911,864x
Earnings Revenue Estimate Growth	-0.76x
Operating Income	$21.7B
Operating margin	4.82
Price target	$475
Price Target Change	$18.16
Price Target Change Top	$18.54

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	873,980,748%
Float Percent	97.37%
Net Borrowing	-5,653,000,000
Shares Insiders	0.17%
Shares Institutions	84.22%
Shares Out	897,594,847
Shares Qo Q	-0.44%
Shares Yo Y	-1.47%
Short Float	1.98%
Short Ratio	2.88
Short Shares	1.93

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$22.6B
Adjusted OCF	25,994,000,000
Average Volume	5,228,366.05x
Bv Per Share	108.8
CAPEX	$-3.4B
Ch10y	182.9
Ch15y	861
Ch1m	-5.28
Ch1w	-1.32
Ch1y	60.31
Ch20y	748.5
Ch3m	5.85
Ch3y	-20.12
Ch5y	-2.33
Ch6m	47.2
Change	-1.6%
Change From Open	-1.67
Close	408.7
Days Gap	0.06
Dollar Volume	1,367,532,068.7
Earnings Date	2026-07-16
Earnings Time	bmo
EBIT	$21.7B
EBITDA	$26B
EPS	$15.53
F Score	6
FCF	$23.6B
FCF EV Yield	5.82x
FCF Per Share	$26.31
Financing CF	-15,411,000,000
Fiscal Year End	December
Founded	1,977
Goodwill	110,645,000,000
Graham Number	194.98638
Graham Upside	-51.52
Income Tax	$2.5B
Investing CF	-11,414,000,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-07-16
Last Report Date	2026-06-30
Last Split Date	2005-05-31
Last Split Type	Forward
Last10k Filing Date	2026-03-02
Lynch Fair Value	$77.67
Lynch Upside	-80.69
Ma150	351.1
Ma150ch	14.55%
Ma20	418.1
Ma20ch	-3.81%
Net CF	-11,000,000
Next Earnings Date	2026-10-27
Open	409
Optionable	Yes
P FCF Ratio	15.29
P FCF Ratio SBC	15.98
P OCF Ratio	13.36
P OCF Ratio SBC	13.89
Payment Date	2026-06-23
Position In Range	9.08
Post Close	402.2
Postmarket Change Percent	0.05
Postmarket Price	$402
Ppne	10,762,000,000
Pre Close	408.7
Price Date	2026-08-11
Price EBITDA	$13.91
Relative Volume	0.65x
Revenue	450,129,000,000x
SBC By Revenue	0.23x
Share Based Comp	1,023,000,000
Tax By Revenue	0.56x
Tax Rate	14.5%
Tr20y	1,005.48%
Tr6m	49.2%
Us State	Minnesota
Views	687
Volume	3,400,214

Frequently asked questions

About this UNH report

What is the latest published UNH stock rating?

UnitedHealth Group Incorporated is shown with reduce in the latest published report, analyzed 2026-05-08. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full UNH analysis?

The full latest published report, analyzed 2026-05-08, lives at /stocks/UNH/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair-value range is used for UNH?

The latest published report analyzed 2026-05-08 frames UNH around USD 230 to USD 450. This is a dated valuation range, not a live market price; check the valuation, sensitivity, and bear-case tabs before making a decision.

How often is the UNH page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-05-08). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

UnitedHealth Group Incorporated (UNH)

Coverage state: Latest published research available

Generate a fresh UNH analysis

Our latest published analysis: UNH rated Reduce

Price

Financial snapshot

Fair-value bridge

Analyst consensus

Latest news · UNH

Valuation

Profitability

Balance sheet

Trading

Position sizing & entry playbook

Next earnings

Sector percentile context

All UNH indicators

Profile and market data

Valuation

Profitability

Growth

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Analyst estimates

Ownership and float

Other indicators

Deeper analysis on UNH

Frequently asked questions