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UNH

NEUTRAL
$323.48 Live
UnitedHealth Group Incorporated · NYSE
Target $360.46 (+11.4%)
$234.6 52W Range $438.85
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$293.61B
P/E
24.43
ROE
12.5%
Profit margin
2.7%
Debt/Equity
0.82
Dividend yield
2.73%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
UnitedHealth Group presents a conflicted profile with a stable but mediocre Piotroski F-Score of 4/9 and a significant disconnect between current price ($323.48) and defensive fair value (Graham Number: $175.91). While revenue growth remains robust at 12.3%, the company has suffered a catastrophic collapse in YoY earnings growth (-99.9%), suggesting severe short-term headwinds or one-time accounting shocks. Technical trends are currently bearish (0/100), though a recent one-month bounce and a favorable Forward P/E of 16.08 indicate analyst expectations of a recovery. The stock is currently trading at a significant premium to its intrinsic value, relying heavily on its market dominance and future earnings normalization.

Key Strengths

Strong consistent revenue growth (12.3% YoY)
Manageable Debt/Equity ratio of 0.82
Attractive Forward P/E (16.08) compared to current P/E (24.43)
Strong analyst consensus with a target price of $360.46
Dominant market position with a $293.61B market cap

Key Risks

Extreme earnings volatility (YoY Earnings Growth -99.9%)
Poor liquidity indicated by a Current Ratio of 0.79
Extremely thin operating margins (0.34%)
Strongly bearish technical trend (0/100)
Significant premium over Graham Number and Intrinsic Value
AI Fair Value Estimate
Based on comprehensive analysis
$215.5
-33.4% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
40
Moderate
Value
30
Future
50
Past
20
Health
40
Dividend
60
AI Verdict
Underperforming but fundamentally dominant
Key drivers: Earnings collapse, Revenue resilience, Technical weakness, Valuation premium
Confidence
90%
Value
30/100

Ref P/E 24.43, PEG 1.16, Graham Number $175.91

Positives
  • Low Price/Sales ratio (0.66)
Watchpoints
  • Price far exceeds Graham Number ($175.91)
  • Price far exceeds Intrinsic Value ($92.68)
Future
50/100

Ref Growth rates and Forward P/E

Positives
  • Steady 12.3% revenue growth
  • Forward P/E suggests earnings recovery
Watchpoints
  • Recent Q/Q EPS growth is negative (-27.7%)
Past
20/100

Ref Historical price performance

Positives
  • Long-term history of beating estimates (20+ quarters)
Watchpoints
  • Negative 1Y (-21.8%), 3Y (-29.1%), and 5Y (-11.6%) returns
Health
40/100

Ref Piotroski F-Score and Current Ratio

Positives
  • Debt/Equity is reasonable at 0.82
Watchpoints
  • Piotroski F-Score 4/9 is only 'Stable'
  • Current Ratio < 1.0 indicates liquidity pressure
Dividend
60/100

Ref Yield 2.73%, Payout 65.99%

Positives
  • Consistent yield of 2.73%
Watchpoints
  • Payout ratio (65.99%) is high given the current earnings crash

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$323.48
Analyst Target
$360.46
Upside/Downside
+11.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for UNH and closest competitors.

Updated 2026-04-20
UNH
UnitedHealth Group Incorporated
Primary
5Y
-11.6%
3Y
-29.1%
1Y
-21.8%
6M
-10.0%
1M
+17.4%
1W
+3.4%
AZN
AstraZeneca PLC
Peer
5Y
+92.9%
3Y
+49.4%
1Y
+38.4%
6M
+28.8%
1M
+0.5%
1W
-1.5%
MRK
Merck & Co., Inc.
Peer
5Y
+93.0%
3Y
+22.1%
1Y
+44.3%
6M
+36.7%
1M
+0.6%
1W
+1.6%
ABB
AbbVie Inc.
Peer
5Y
+140.3%
3Y
+65.5%
1Y
+32.8%
6M
+17.0%
1M
-3.9%
1W
+2.3%
TMO
Thermo Fisher Scientific Inc.
Peer
5Y
+6.7%
3Y
-9.7%
1Y
+18.7%
6M
-9.2%
1M
+7.5%
1W
-3.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
24.43
Forward P/E
16.08
PEG Ratio
1.16
P/B Ratio
3.11
P/S Ratio
0.66
EV/Revenue
0.8
EV/EBITDA
16.47
Market Cap
$293.61B

Profitability

Profit margins and return metrics

Profit Margin 2.69%
Operating Margin 0.34%
Gross Margin 18.53%
ROE 12.54%
ROA 3.9%

Growth

Revenue and earnings growth rates

Revenue Growth +12.3%
Earnings Growth -99.9%
Q/Q Revenue Growth +12.31%
Q/Q Earnings Growth -99.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.82
Moderate
Current Ratio
0.79
Weak
Quick Ratio
0.7
Poor
Cash/Share
$30.98

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$113.2B
Gross Margin
16.3%
Op. Margin
0.3%
Net Margin
0.0%
Total Assets
$309.6B
Liabilities
$207.9B
Equity
$94.1B
Debt/Equity
2.21x
Operating CF
$1.1B
CapEx
$-0.9B
Free Cash Flow
$0.2B
FCF Yield
14%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-21
$N/A
2026-01-27
$2.11
+0.2% surprise
2025-10-28
$2.92
+4.0% surprise
2025-07-29
$4.08
-8.2% surprise

Healthcare Sector Comparison

Comparing UNH against 560 companies in the Healthcare sector (34 bullish, 167 neutral, 359 bearish)
P/E Ratio
24.43
This Stock
vs
75.44
Sector Avg
-67.6% (Discount)
Return on Equity (ROE)
12.54%
This Stock
vs
-88.14%
Sector Avg
-114.2% (Below Avg)
Profit Margin
2.69%
This Stock
vs
-16.28%
Sector Avg
-116.5% (Weaker)
Debt to Equity
0.82
This Stock
vs
2.66
Sector Avg
-69.3% (Less Debt)
Revenue Growth
12.3%
This Stock
vs
124.04%
Sector Avg
-90.1% (Slower)
Current Ratio
0.79
This Stock
vs
4.47
Sector Avg
-82.4% (Weaker)

Similar Companies

Peer comparison within the same industry

UNH UnitedHealth...
NEUTRAL
Mkt Cap
$293.6B
P/E
24.4
ROE
12.5%
Price
$323.48
AZN AstraZeneca PLC
NEUTRAL
Mkt Cap
$288.2B
P/E
30.5
ROE
21.7%
Price
$92.95
 Compare with UNH
MRK Merck & Co., Inc.
NEUTRAL
Mkt Cap
$299.8B
P/E
16.7
ROE
36.9%
Price
$121.25
 Compare with UNH
ABBV AbbVie Inc.
NEUTRAL
Mkt Cap
$387.5B
P/E
163.6
ROE
138.0%
Price
$219.26
 Compare with UNH
TMO Thermo Fisher...
NEUTRAL
Mkt Cap
$191.0B
P/E
29.0
ROE
13.0%
Price
$513.98
 Compare with UNH

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

HOOPER MICHELE J.
Director
Stock Award
2026-04-01
206 shares
GOTTLIEB SCOTT
Director
Stock Award
2026-04-01
320 shares
BAKER CHARLES D
Director
Stock Award
2026-04-01
343 shares
GARCIA PAUL REU
Director
Stock Award
2026-04-01
343 shares
NOSEWORTHY JOHN H
Director
Stock Award
2026-04-01
320 shares
MONTGOMERY RICE VALERIE C
Director
Stock Award
2026-04-01
343 shares
GIL KRISTEN
Director
Stock Award
2026-04-01
320 shares
MCNABB FREDERICK WILLIAM III
Director
Stock Award
2026-04-01
388 shares
FLYNN TIMOTHY PATRICK
Director
Stock Award
2026-04-01
350 shares
DEVEYDT WAYNE S
Chief Financial Officer
Stock Award
2026-03-17
149 shares
HOOPER MICHELE J.
Director
Stock Award
2026-03-17
292 shares
GOTTLIEB SCOTT
Director
Stock Award
2026-03-17
1 shares
BAKER CHARLES D
Director
Stock Award
2026-03-17
14 shares
HEMSLEY STEPHEN J
Officer and Director
Stock Award
2026-03-17
61 shares
GARCIA PAUL REU
Director
Stock Award
2026-03-17
16 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-03-09

UnitedHealth Group filed an 8-K on March 9, 2026, likely to announce its quarterly or annual financial results.

8-K
8-K
2026-03-02

UnitedHealth Group filed an 8-K on March 2, 2026, likely to announce its fourth-quarter and full-year financial results.

10-K
10-K
2026-03-02
8-K
8-K
2026-02-25
8-K
8-K
2026-01-27
8-K
8-K
2026-01-12
8-K
8-K
2025-11-21
8-K
8-K
2025-11-13
8-K
8-K
2025-11-07
10-Q
10-Q
2025-10-28
8-K
8-K
2025-10-28
8-K/A
8-K/A
2025-09-09
8-K
8-K
2025-09-08
8-K
8-K
2025-08-20
10-Q
10-Q
2025-08-11
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
26 analysts
Jefferies
2026-04-20
Maintains
Buy Buy
Bernstein
2026-04-07
Maintains
Outperform Outperform
Raymond James
2026-04-01
up
Market Perform Outperform
Mizuho
2026-02-05
Maintains
Outperform Outperform
Truist Securities
2026-02-02
Maintains
Buy Buy
JP Morgan
2026-02-02
Maintains
Overweight Overweight
Barclays
2026-01-30
Maintains
Overweight Overweight
Wells Fargo
2026-01-30
Maintains
Overweight Overweight
Jefferies
2026-01-28
Maintains
Buy Buy
Leerink Partners
2026-01-28
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning UNH from our newsroom.

Newest → oldest
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