UNH

UnitedHealth Group Incorporated

Fundamental data last updated:June 7, 2026

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company profile

SECTOR

Healthcare

industry

Medical - Healthcare Plans

Exchange

NYSE

County of HQ

US

Next Earnings Date

08/04/2026

Business Summary

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals directly through care delivery systems, employers, payers, and government entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.

 


VALUATION

P/E

30.18

Market Cap ($M USD)

$362.78B

Forward P/E

11.62

PEG

0.07

PRICE TO SALES

0.81

PRICE TO BOOK

3.50

EV / EBITDA

17.95

5-Year Average P/E

Free Cash Flow Yield

5.42%

DCF Value

$186.35

Graham Number

$184.39

Price to FCF

18.45

EV to FCF

20.99

Earnings Yield

3.31%

FCF Yield

5.42%

DIVIDEND

Yield

2.21%

Annual Payout

$8.84

Payout Ratio

66.50%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$13.24

Next Year EPS Growth Estimate

$34.39

Next Year Revenue Growth Estimate

$54.92T

Return on Equity (ROE)

12.40%

FREE CASH FLOW

Operating Margin

4.19%

Debt-to-Equity

0.83

Piotroski F-Score

7

Altman Z-Score

2.60

Return on Invested Capital (ROIC)

9.49%

Current Ratio

0.80

Quick Ratio

0.80

Net Debt to EBITDA

2.17

Interest Coverage

4.76

Gross Profit margin

18.80%

FCF PER SHARE

$21.61

REVENUE PER SHARE

$494.19

Gainseekers Quantitative Analysis

Summary

UnitedHealth Group’s valuation presents a compelling dichotomy. Despite a snapshot price that significantly exceeds its DCF Value and Graham Number, the Forward P/E of 11.05 suggests the market anticipates robust earnings growth. The Earnings Yield of 3.48% and an Altman Z-score of 2.55 indicate moderate financial stability, though not without risks. The PEG ratio of 0.07 is a standout, signaling potential undervaluation relative to growth expectations. This stock is priced for growth, but the market may be underestimating its intrinsic value.

AI Exposure / Tech Reliance

In the rapidly evolving healthcare sector, UnitedHealth Group is well-positioned to leverage AI and tech advancements. As a leader in medical healthcare plans, its ability to integrate AI into patient care and data management could enhance operational efficiency. This adaptability is crucial for maintaining a competitive edge in a tech-driven future.

The Bull Case

For value or GARP investors, UnitedHealth Group offers attractive institutional tailwinds. The ROIC of 9.49% and a Piotroski F-Score of 7 highlight strong capital efficiency and financial health. With a Free Cash Flow Yield of 5.70% and robust operating margins, the company demonstrates significant pricing power and operational prowess. These metrics underscore a well-managed enterprise capable of delivering consistent returns.

The Bear Case

Despite its strengths, UnitedHealth Group faces structural risks. The Price/Book ratio of 3.33 and Price/Sales ratio of 0.77 suggest a premium valuation that may not be justified by its current cash flow metrics. The stock's proximity to its 52-week high, combined with a modest Gross Profit Margin of 18.80%, raises concerns about overextension. Investors should be wary of potential volatility if growth expectations are not met.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$417.25

Institutional Ownership %

1-Year Beta

0.65

Insider Buying % (6 Mo)

Distance to 52-Week High

1.17%

Distance to 52-Week Low

41.27%

EARNINGS SURPRISE %

9.88%

50-DAY SMA

$344.51

200-DAY SMA

$328.04

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.