UNH

UnitedHealth Group Incorporated

Fundamental data last updated:July 22, 2026

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company profile

SECTOR

Healthcare

industry

Medical - Healthcare Plans

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individual consumers. It also delivers specialized health coverage and wellness programs tailored for individuals aged 50 and older, addressing their needs for preventive and acute care, chronic disease management, and other age-specific health issues. This division further encompasses Medicaid plans, children's health insurance, dental benefits, and various hospital and clinical services. Optum Health focuses on delivering direct healthcare solutions and management services. It facilitates access to networks of specialist care providers, offers health management programs, direct care delivery, consumer engagement initiatives, and financial services. Its diverse clientele includes individuals (served directly through care systems), employers, insurance payers, and government organizations. Optum Insight specializes in providing technology, information, and consulting services to the healthcare industry. Its offerings include software and data products, advisory consulting arrangements, and outsourced managed services. Clients span hospital systems, physicians, health plans, governmental bodies, life sciences companies, and other relevant organizations. Finally, Optum Rx handles the company's pharmaceutical care services. This segment manages retail pharmacy networks, provides home prescription delivery, and offers specialty and compounding pharmacy capabilities. Leveraging its purchasing power and clinical expertise, Optum Rx also develops advanced programs related to step therapy, formulary management, medication adherence, and integrated disease and drug therapy management. UnitedHealth Group Incorporated, founded in 1977, has its corporate headquarters located in Minnetonka, Minnesota.

 


VALUATION

P/E

31.58

Market Cap ($M USD)

$379.60B

Forward P/E

12.16

PEG

0.08

PRICE TO SALES

0.84

PRICE TO BOOK

3.66

EV / EBITDA

18.69

5-Year Average P/E

Free Cash Flow Yield

5.18%

DCF Value

$276.74

Graham Number

$184.39

Price to FCF

19.30

EV to FCF

21.84

Earnings Yield

3.17%

FCF Yield

5.18%

DIVIDEND

Yield

2.14%

Annual Payout

$8.95

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

2.64

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 current valuation presents a striking disconnect between market perception and intrinsic value. With a snapshot price significantly above its DCF value and Graham Number, the market appears to be pricing in perfection. The Forward P/E of 12.09 suggests optimism about future earnings growth, yet the Earnings Yield of just 3.18% indicates a premium valuation. The Altman Z-score of 2.67 reflects moderate financial health, hinting at some risk but not immediate distress. This stock is priced for growth, but the numbers suggest caution.

AI Exposure / Tech Reliance

Operating in the healthcare sector, UnitedHealth Group is well-positioned to leverage AI and tech advancements. The industry is ripe for innovation in data analytics and patient care management, areas where AI can drive efficiency. UnitedHealth's scale and resources provide a solid foundation to integrate these technologies effectively.

The Bull Case

For the discerning GARP investor, UnitedHealth offers compelling strengths. A robust ROIC of 9.49% and a Piotroski F-Score of 7 highlight efficient capital allocation and strong financial health. The FCF Yield, while modest, indicates steady cash generation, and the operating margin of 4.19% underscores effective cost management. These metrics suggest a company with pricing power and operational resilience, making it an attractive buy for those seeking growth at a reasonable price.

The Bear Case

Despite its strengths, UnitedHealth faces structural risks that cannot be ignored. The Price/Book ratio of 3.64 and Price/Sales of 0.84 signal a rich valuation, potentially limiting upside. The stock's proximity to its 52-week high suggests technical overextension, raising concerns about a pullback. Additionally, a Current Ratio below 1 indicates potential liquidity constraints, which could be problematic in a volatile market environment.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$425.50

Institutional Ownership %

1-Year Beta

0.63

Insider Buying % (6 Mo)

Distance to 52-Week High

2.92%

Distance to 52-Week Low

43.87%

EARNINGS SURPRISE %

9.88%

50-DAY SMA

$391.75

200-DAY SMA

$337.70

⚠️ 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.