FRA/UNH (FRA/UNH)

Frankfurt Stock Exchange: FRA/UNH · EUR

€368

+2.59 (+0.7%)· Recorded snapshot

Market cap	330.6B
Revenue (ttm)	396.3B
Net income (ttm)	14B
EPS (ttm)	€15.7
P/E (trailing)	23.4x
P/E (forward)	18.3x
Dividend	€7.81 (2.12%)
Volume	0

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 396.3B
Net income (ttm): 14B
EPS (ttm): €15.7
P/E (trailing): 23.4x
P/E (forward): 18.3x
Market cap: 330.6B

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/E23.4

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 FRA/UNH indicators

Market & fundamental data

Available fields

242

Groups with data

Currency

USD

Showing 242 of 242 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-10-13
Employees	390,000
Employees change	-10,000
Employees growth	-2.5%
Enterprise value	EUR 375.4B
Exchange	Frankfurt 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	US91324P1021
Last earnings date	2026-10-13
Last refreshed	2026-10-28
Last stock split date	2005-05-31
Last stock split type	Forward
Market cap	EUR 330.6B
Next earnings date	2027-01-12
Price	EUR 367.80
Price currency	EUR
Sector	Healthcare
SIC code	6324
Stock price date	2026-10-27
Symbol	fra/UNH
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	4.27%
EV/Earnings	26.84x
EV/EBIT	15.88x
EV/EBITDA	13.71x
EV/FCF	18.68x
EV/Sales	0.93x
FCF / EV yield	5.35%
FCF yield	6.08%
Forward P/E	18.28x
Graham number	190.26936
Graham upside	-48.27%
Lynch fair value	EUR 77.81
Lynch upside	-78.85%
P/(FCF - SBC) ratio	17.22x
P/(OCF - SBC) ratio	14.91x
P/B ratio	3.56x
P/E ratio	23.41x
P/FCF ratio	16.45x
P/OCF ratio	14.33x
P/S ratio	0.83x
Price / tangible book value	3.61x
Price/EBITDA ratio	12.99x
Sector forward P/E	14.8x
Sector P/E	39.91x

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	4.97%
Gross margin	20.05%
Operating margin	5.85%
Pretax margin	4.38%
Profit margin	3.53%
Profit per employee	EUR 35,865
Profitable quarters	9
Profitable years	27
Revenue per employee	EUR 1M
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	EUR -3B
EBIT	EUR 23.2B
EBITDA	EUR 25.5B
EPS	EUR 15.71
Financing cash flow	EUR -14.1B
Free cash flow	EUR 20.1B
Free cash flow minus SBC	EUR 19.2B
Gross profit	EUR 79.5B
Income taxes	EUR 2.7B
Investing cash flow	EUR -10.1B
Net borrowing	EUR -4.3B
Net cash flow	EUR -1.2B
Net income	EUR 14B
Operating cash flow minus SBC	EUR 22.2B
Operating income	EUR 23.2B
Revenue	EUR 396.3B
Stock-based compensation	EUR 897.3M

Financial strength

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

Metric	Value
Book value per share	EUR 101.66
Debt / EBITDA	2.44
Debt / equity	0.7
Debt / FCF	3.26
Interest coverage	6.84
Net cash (debt)	EUR -42.7B
Net cash / market cap	-12.91%
Net debt / EBITDA	1.68
Net debt / equity	0.46
Net debt / FCF	2.12
Piotroski F-Score	6
Shareholders' equity	EUR 92.9B
Tangible book value	EUR 91.7B
Tangible book value per share	EUR 101.66
Total assets	EUR 275.4B
Total cash	EUR 25.1B
Total debt	EUR 65.5B
Total liabilities	EUR 182.5B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	1.43
Current ratio	0.74
Net working capital	EUR -44.4B
Quick ratio	0.42
Working capital	EUR -26.6B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	0.98%
Dividend growth	1.15%
Dividend growth (10Y)	14.37%
Dividend growth (3Y)	5.65%
Dividend growth (5Y)	11.56%
Dividend growth years	17
Dividend payment date	2026-09-22
Dividend payment years	28
Dividend payout frequency	Quarterly
Dividend per share	EUR 7.81
Dividend yield	2.12%
Ex-dividend date	2026-09-14
Last dividend	EUR 2.00
Payout ratio	51.45%
Shareholder yield	3.11%

Performance and technicals

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

Metric	Value
10Y price change	181.56%
10Y return CAGR	12.77%
10Y total return	232.56%
150-day SMA	EUR 336.24
15Y price change	948.76%
15Y return CAGR	18.9%
15Y total return	1,241.39%
1D price change	0.71%
1M price change	10.65%
1M total return	10.65%
1W price change	2.51%
1W total return	2.51%
1Y price change	17.9%
1Y return CAGR	21.06%
1Y total return	21.05%
20-day SMA	EUR 350.07
200-day SMA	EUR 314.38
20Y price change	859.81%
20Y return CAGR	13.5%
20Y total return	1,158.55%
3M price change	-1.45%
3M total return	-0.84%
3Y price change	-26.73%
3Y return CAGR	-7.94%
3Y total return	-21.98%
50-day SMA	EUR 341.07
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 390.00
52-week high date	2026-07-16
52-week low	EUR 221.95
52-week low date	2026-02-06
5Y price change	-5.96%
5Y return CAGR	0.58%
5Y total return	2.95%
6M price change	21.95%
6M total return	23.4%
All-time high	EUR 589.70
All-time high date	2024-11-11
All-time low	EUR 3.55
All-time low date	1998-08-17
Average true range (ATR)	EUR 7.52
Average volume	156.9
Change from 52-week high	-5.69%
Change from 52-week low	65.71%
Change from all-time high	-37.63%
Change from all-time low	10,257.65%
Change from open	0%
Day's gap	0.71%
High price	EUR 367.80
Low price	EUR 367.80
Monthly RSI	52.4
Open price	EUR 367.80
Previous close	EUR 365.20
Price vs 150-day SMA	9.39%
Price vs 20-day SMA	5.06%
Price vs 200-day SMA	16.99%
Price vs 50-day SMA	7.84%
Relative volume	0.49
RSI	59.83
Sharpe ratio	0.56
Sharpe ratio (3Y)	-0.12
Sharpe ratio (5Y)	0.06
Sortino ratio	0.92
Sortino ratio (3Y)	-0.02
Sortino ratio (5Y)	0.23
Volume	0
Weekly RSI	61.64
YTD price change	31.36%
YTD total return	33.96%

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 FRA/UNH

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.

→

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.

→

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.

→

Frequently asked questions

About this FRA/UNH report

Is a complete FRA/UNH research report available?

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

FRA/UNH (FRA/UNH)

Price

Financial snapshot

Fair-value bridge

Latest news · FRA/UNH

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FRA/UNH 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 FRA/UNH

Frequently asked questions