BVMF/UNHH34 (BVMF/UNHH34)

Brazil Stock Exchange: BVMF/UNHH34 · BRL

R$31.4

-0.37 (-1.2%)· Recorded snapshot

Market cap	2T
Revenue (ttm)	2.3T
Net income (ttm)	82.3B
EPS (ttm)	R$1.34
P/E (trailing)	23.5x
P/E (forward)	18.3x
Dividend	R$0.45 (1.43%)
Volume	13,884
Beta	0.61

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.3T
Net income (ttm): 82.3B
EPS (ttm): R$1.34
P/E (trailing): 23.5x
P/E (forward): 18.3x
Market cap: 2T

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E18.3

P25 n/aP50 n/aP75 n/a

Trailing P/E23.5

P25 n/aP50 n/aP75 n/a

ROE15.8

P25 n/aP50 n/aP75 n/a

ROIC12.4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/UNHH34 indicators

Market & fundamental data

Available fields

236

Groups with data

Currency

USD

Showing 236 of 236 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-10-13
Employees	390,000
Employees change	-10,000
Employees growth	-2.5%
Enterprise value	BRL 2.2T
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1974
Industry	Healthcare Plans
Is primary listing	No
ISIN number	BRUNHHBDR000
Last earnings date	2026-10-13
Last refreshed	2026-10-28
Last stock split date	2022-11-21
Last stock split type	Forward
Market cap	BRL 2T
Next earnings date	2027-01-12
Price	BRL 31.36
Price currency	BRL
Sector	Healthcare
SIC code	6324
Stock price date	2026-10-27
Symbol	bvmf/UNHH34
Website	https://www.unitedhealthgroup.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	22.39x
Average P/E ratio (3Y)	25.01x
Average P/E ratio (5Y)	24.72x
Earnings yield	4.26%
EV/Earnings	27.18x
EV/EBIT	15.88x
EV/EBITDA	13.71x
EV/FCF	18.92x
EV/Sales	0.93x
FCF / EV yield	5.29%
FCF yield	6%
Forward P/E	18.28x
Graham number	16.0177
Graham upside	-48.92%
Lynch fair value	BRL 6.55
Lynch upside	-79.11%
P/(FCF - SBC) ratio	17.44x
P/(OCF - SBC) ratio	15.1x
P/B ratio	3.6x
P/E ratio	23.45x
P/FCF ratio	16.66x
P/OCF ratio	14.52x
P/S ratio	0.84x
Price / tangible book value	3.65x
Price/EBITDA ratio	13.16x
Sector forward P/E	11.33x
Sector P/E	41.97x

Profitability

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

Metric	Value
EBIT margin	5.85%
EBITDA margin	6.42%
Effective tax rate	15.54%
FCF margin	4.91%
Gross margin	20.05%
Operating margin	5.85%
Pretax margin	4.38%
Profit margin	3.53%
Profit per employee	BRL 210,968
Profitable quarters	9
Profitable years	27
Revenue per employee	BRL 6M
ROA	5.24%
ROA (5Y)	6.86%
ROCE	13.38%
ROE	15.77%
ROE (5Y)	20.42%
ROIC	12.39%
ROIC (5Y)	14.86%
SBC / revenue	0.23%
Tax / revenue	0.68%

Growth

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

Metric	Value
EPS growth	-8.96%
EPS growth (Q)	75.93%
EPS growth (QoQ)	-24.56%
EPS growth 10Y	9.96%
EPS growth 3Y	-8.76%
EPS growth 5Y	1.66%
EPS growth quarters	2
EPS growth years	0
FCF growth	31.4%
FCF growth (Q)	-15.65%
FCF growth (QoQ)	-58.41%
FCF growth 3Y	-4.78%
FCF growth 5Y	-0.06%
Net income growth	-9.69%
Net income growth (Q)	75.04%
Net income growth (QoQ)	-25.05%
Net income growth 3Y	-9.86%
Net income growth 5Y	0.59%
Net income growth quarters	1
Net income growth years	0
OCF growth	24.99%
OCF growth (Q)	-13.83%
OCF growth (QoQ)	-53.65%
OCF growth 10Y	5.94%
OCF growth 3Y	-4.13%
OCF growth 5Y	0.76%
Revenue growth	3.42%
Revenue growth (Q)	-0.41%
Revenue growth (QoQ)	0.59%
Revenue growth 10Y	9.54%
Revenue growth 3Y	7.73%
Revenue growth 5Y	10.01%
Revenue growth quarters	126
Revenue growth years	33

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -17.5B
EBIT	BRL 136.5B
EBITDA	BRL 149.7B
EPS	BRL 1.34
Financing cash flow	BRL -83.2B
Free cash flow	BRL 118.2B
Free cash flow minus SBC	BRL 113B
Gross profit	BRL 467.4B
Income taxes	BRL 15.9B
Investing cash flow	BRL -59.2B
Net borrowing	BRL -25.6B
Net cash flow	BRL -7.1B
Net income	BRL 82.3B
Operating cash flow minus SBC	BRL 130.4B
Operating income	BRL 136.5B
Revenue	BRL 2.3T
Stock-based compensation	BRL 5.3B

Financial strength

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

Metric	Value
Book value per share	BRL 597.98
Debt / EBITDA	2.44
Debt / equity	0.7
Debt / FCF	3.26
Interest coverage	6.84
Net cash (debt)	BRL -251.2B
Net cash / market cap	-12.75%
Net debt / EBITDA	1.68
Net debt / equity	0.46
Net debt / FCF	2.12
Piotroski F-Score	6
Shareholders' equity	BRL 546.7B
Tangible book value	BRL 539.4B
Tangible book value per share	BRL 597.98
Total assets	BRL 1.6T
Total cash	BRL 147.9B
Total debt	BRL 385B
Total liabilities	BRL 1.1T
WACC	7.1%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	1.43
Current ratio	0.74
Net working capital	BRL -261.4B
Quick ratio	0.42
Working capital	BRL -156.6B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	0.98%
Dividend growth	6.59%
Dividend growth (3Y)	8.88%
Dividend growth (5Y)	11.23%
Dividend growth years	6
Dividend payment date	2026-09-28
Dividend payment years	8
Dividend payout frequency	Quarterly
Dividend per share	BRL 0.45
Dividend yield	1.43%
Ex-dividend date	2026-09-11
Last dividend	BRL 0.02
Payout ratio	51.45%
Shareholder yield	2.41%

Performance and technicals

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

Metric	Value
150-day SMA	BRL 27.92
1D price change	-1.17%
1M price change	12.12%
1M total return	12.12%
1W price change	7.36%
1W total return	7.36%
1Y price change	12.28%
1Y return CAGR	14.31%
1Y total return	14.3%
20-day SMA	BRL 28.59
200-day SMA	BRL 26.51
3M price change	3.09%
3M total return	3.51%
3Y price change	-16.6%
3Y return CAGR	-4.52%
3Y total return	-12.97%
50-day SMA	BRL 28.50
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 33.50
52-week high date	2026-07-16
52-week low	BRL 19.15
52-week low date	2026-03-27
5Y price change	-13.88%
5Y return CAGR	-1.75%
5Y total return	-8.45%
6M price change	26.66%
6M total return	27.68%
All-time high	BRL 53.92
All-time high date	2024-12-04
All-time low	BRL 12.74
All-time low date	2019-09-30
Average true range (ATR)	BRL 1.02
Average volume	30.9K
Beta (5Y)	0.62
Change from 52-week high	-6.39%
Change from 52-week low	63.76%
Change from all-time high	-41.84%
Change from all-time low	146.12%
Change from open	-1.13%
Day's gap	-0.03%
Dollar volume	BRL 435,402
High price	BRL 31.72
Low price	BRL 31.13
Monthly RSI	52.16
Open price	BRL 31.72
Position in 52-week range	38.98%
Previous close	BRL 31.73
Price vs 150-day SMA	12.34%
Price vs 20-day SMA	9.71%
Price vs 200-day SMA	18.32%
Price vs 50-day SMA	10.03%
Relative volume	0.45
RSI	66.44
Sharpe ratio	0.42
Sharpe ratio (3Y)	-0.04
Sharpe ratio (5Y)	0.09
Sortino ratio	0.75
Sortino ratio (3Y)	0.08
Sortino ratio (5Y)	0.28
Volume	13.9K
Weekly RSI	63.9
YTD price change	20.85%
YTD total return	22.45%

Ownership and float

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

Metric	Value
Float	895M
Shares change (QoQ)	-0.44%
Shares change (YoY)	-0.98%
Shares held by insiders	0.17%
Shares held by institutions	88.98%
Short ratio	2.8 days

Deeper analysis on BVMF/UNHH34

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BVMF/UNHH34 report

Is a complete BVMF/UNHH34 research report available?

No complete published report is available for bvmf/UNHH34 (BVMF/UNHH34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/UNHH34 (BVMF/UNHH34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/UNHH34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/UNHH34 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/UNHH34

Frequently asked questions