UNH UnitedHealth Group Incorporated - Fundamental Analysis
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UNH Stock | Fundamental Analysis & Investment Insights
NYSE
Healthcare
Healthcare Plans
Current Price
Live
$331.02
Analyst Target
$393.85
+19.0%
Upside
52W High
$606.36
52W Low
$234.6
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 17, 2026
Market cap
$299.85B
P/E
17.25
ROE
17.5%
Profit margin
4.0%
Debt/Equity
0.76
Dividend yield
2.61%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates marginal financial health, while the absence of an Altman Z-Score prevents a clear distress risk assessment. Despite solid revenue growth of 12.2% and a respectable ROE of 17.48%, earnings have collapsed year-over-year by nearly 60%, dragging down profitability trends. The stock trades at a significant premium to the Graham Number ($213.66) and intrinsic value estimate ($134.33), currently priced at $331.02, implying high growth expectations not yet supported by recent earnings momentum. Analysts maintain a 'buy' recommendation with a target of $393.85, but weak recent earnings surprises and negative technical trends temper near-term optimism.
Key Strengths
Strong revenue growth at 12.2% YoY, outpacing sector average of 9.8%
High return on equity (17.48%) indicating efficient use of shareholder capital
Moderate debt/equity ratio of 0.76, below sector average of 0.92
Attractive dividend yield of 2.61% with a sustainable payout ratio of 44.92%
Analyst consensus remains 'buy' with a 17.8% upside to target price
Key Risks
Piotroski F-Score of 4/9 signals weak financial health, particularly concerning given recent earnings collapse
Earnings growth in freefall: YoY decline of 60.2% and Q/Q drop of 61.2%
Current price trades at a 55% premium to Graham Number ($213.66), suggesting overvaluation
Technical trend score of 0/100 indicates strong bearish momentum
Recent earnings misses: 1 beat in last 4 quarters with declining surprise trend
AI Fair Value Estimate
Based on comprehensive analysis
$213.66
-35.5% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
54
Moderate
45
40
60
50
75
AI Verdict
Neutral with upside potential if earnings stabilize
Key drivers: Revenue growth and ROE support long-term value, Earnings decline and valuation premium are major headwinds, Analyst optimism contrasts with weak technicals and fundamentals
Confidence
70%
Value
45/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 17.25 below sector average of 249.85
- Price/Sales of 0.69 suggests revenue-based value
Watchpoints
- Stock trades at 55% premium to Graham Number ($213.66)
- Intrinsic value estimate ($134.33) far below current price
Future
40/100
Ref Growth rates
Positives
- Revenue growth of 12.2% YoY remains strong
Watchpoints
- Earnings growth down 60.2% YoY
- Q/Q earnings decline of 61.2%
- Forward P/E of 18.65 implies growth not reflected in recent results
Past
60/100
Ref Historical trends
Positives
- Historically strong earnings beat record: 22 out of 25 quarters beat estimates
- Long-term revenue and earnings growth were stable pre-2024
Watchpoints
- Last 4 quarters show deteriorating performance: only 1 beat
- EPS growth has reversed sharply negative
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity of 0.76 is manageable
- ROE of 17.48% indicates capital efficiency
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Current ratio (0.82) and quick ratio (0.74) suggest liquidity concerns
Dividend
75/100
Ref Yield, Payout
Positives
- Dividend yield of 2.61% is attractive in current market
- Payout ratio of 44.92% is sustainable
- Dividend strength score of 50/100 indicates moderate reliability
Watchpoints
- No data on 5-year yield trend or dividend growth history
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$331.02
Analyst Target
$393.85
Upside/Downside
+19.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for UNH and closest competitors.
Updated 2026-01-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
UNH
UnitedHealth Group Incorporated
Primary
|
+2.0% | -27.9% | -33.6% | +18.6% | -0.2% | -3.8% |
|
AZN
AstraZeneca PLC
Peer
|
+92.9% | +49.4% | +38.4% | +28.8% | +0.5% | -1.5% |
|
MRK
Merck & Co., Inc.
Peer
|
+60.7% | +8.0% | +12.1% | +38.6% | +9.7% | -1.5% |
|
TMO
Thermo Fisher Scientific Inc.
Peer
|
+23.6% | +6.2% | +10.5% | +49.4% | +10.0% | -0.0% |
|
ABBV
AbbVie Inc.
Peer
|
+140.3% | +65.5% | +32.8% | +17.0% | -3.9% | +2.3% |
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
17.25
Forward P/E
18.65
PEG Ratio
N/A
P/B Ratio
3.13
P/S Ratio
0.69
EV/Revenue
0.83
EV/EBITDA
12.29
Market Cap
$299.85B
Profitability
Profit margins and return metrics
Profit Margin
4.04%
Operating Margin
3.81%
Gross Margin
19.7%
ROE
17.48%
ROA
5.36%
Growth
Revenue and earnings growth rates
Revenue Growth
+12.2%
Earnings Growth
-60.2%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-61.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.76
Moderate
Current Ratio
0.82
Weak
Quick Ratio
0.74
Poor
Cash/Share
$33.8
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-27
$N/A
2025-10-28
$2.92
+4.0% surprise
2025-07-29
$4.08
-8.2% surprise
2025-04-17
$7.2
-1.3% surprise
Healthcare Sector Comparison
Comparing UNH against 147 companies in the Healthcare sector
(10 bullish, 55 neutral, 82 bearish)
P/E Ratio
17.25
This Stock
vs
164.56
Sector Avg
-89.5%
(Discount)
Return on Equity (ROE)
17.48%
This Stock
vs
-52.77%
Sector Avg
-133.1%
(Below Avg)
Profit Margin
4.04%
This Stock
vs
-20.78%
Sector Avg
-119.5%
(Weaker)
Debt to Equity
0.76
This Stock
vs
6.16
Sector Avg
-87.7%
(Less Debt)
Revenue Growth
12.2%
This Stock
vs
137.39%
Sector Avg
-91.1%
(Slower)
Current Ratio
0.82
This Stock
vs
3.36
Sector Avg
-75.5%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
UNH
UnitedHealth Group Incorporated
|
NEUTRAL | $299.85B | 17.25 | 17.5% | 4.0% | $331.02 | |
|
AZN
AstraZeneca PLC
|
NEUTRAL | $288.2B | 30.48 | 21.7% | 16.2% | $92.95 | |
|
MRK
Merck & Co., Inc.
|
NEUTRAL | $271.83B | 14.4 | 39.5% | 29.6% | $108.83 | |
|
TMO
Thermo Fisher Scientific Inc.
|
NEUTRAL | $232.46B | 35.76 | 13.1% | 15.0% | $618.72 | |
|
ABBV
AbbVie Inc.
|
NEUTRAL | $387.52B | 163.63 | 138.0% | 4.0% | $219.26 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-02 | MCNABB FREDERICK WILLIAM III | Director | Stock Award | 316 | - |
| 2026-01-02 | GARCIA PAUL REU | Director | Stock Award | 280 | - |
| 2026-01-02 | FLYNN TIMOTHY PATRICK | Director | Stock Award | 285 | - |
| 2026-01-02 | MONTGOMERY RICE VALERIE C | Director | Stock Award | 279 | - |
| 2026-01-02 | GIL KRISTEN | Director | Stock Award | 168 | - |
| 2026-01-02 | NOSEWORTHY JOHN H | Director | Stock Award | 261 | - |
| 2026-01-02 | GOTTLIEB SCOTT | Director | Stock Award | 125 | - |
| 2026-01-02 | HOOPER MICHELE J. | Director | Stock Award | 168 | - |
| 2026-01-02 | BAKER CHARLES D | Director | Stock Award | 279 | - |
| 2025-12-19 | HEMSLEY STEPHEN J | Chief Executive Officer | Gift | 55,000 | - |
| 2025-12-16 | NOEL TIMOTHY JOHN | Officer | Stock Award | 44 | - |
| 2025-12-16 | CONWAY PATRICK HUGH M.D. | Officer | Stock Award | 67 | - |
| 2025-12-16 | ZAETTA CHRISTOPHER R | Officer | Stock Award | 44 | - |
| 2025-12-16 | GARCIA PAUL REU | Director | Stock Award | 13 | - |
| 2025-12-16 | FLYNN TIMOTHY PATRICK | Director | Stock Award | 65 | - |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
26 analysts
Barclays
2026-01-05
Overweight
Overweight
TD Cowen
2025-10-30
Hold
Hold
Bernstein
2025-10-30
Outperform
Outperform
UBS
2025-10-29
Buy
Buy
RBC Capital
2025-10-29
Outperform
Outperform
Piper Sandler
2025-10-29
Overweight
Overweight
Jefferies
2025-10-17
Buy
Buy
Goldman Sachs
2025-10-14
Buy
JP Morgan
2025-10-09
Overweight
Overweight
Mizuho
2025-10-09
Outperform
Outperform
Past News Coverage
Recent headlines mentioning UNH from our newsroom.
Newest → oldest
No matching news yet.