UNH

UnitedHealth Group Incorporated

Fundamental data last updated:May 13, 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

29.05

Market Cap ($M USD)

$349.13B

Forward P/E

11.66

PEG

0.08

PRICE TO SALES

0.78

PRICE TO BOOK

3.37

EV / EBITDA

17.36

5-Year Average P/E

Free Cash Flow Yield

5.63%

DCF Value

$189.78

Graham Number

$184.39

Price to FCF

17.75

EV to FCF

20.29

Earnings Yield

3.44%

FCF Yield

5.63%

DIVIDEND

Yield

2.30%

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

$32.96

Next Year Revenue Growth Estimate

$54.83T

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

2.55

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

The market seems to be mispricing UnitedHealth Group, with its snapshot price trading significantly above its DCF value and Graham Number. The Forward P/E of 11.53 suggests a more reasonable valuation compared to its current P/E, indicating potential growth. However, the Earnings Yield of 3.48% is modest, and the Altman Z-score of 2.52 raises questions about its financial safety. Despite these concerns, the company maintains a “Buy” consensus rating, reflecting investor confidence in its future prospects.

AI Exposure / Tech Reliance

As a leader in the healthcare sector, UnitedHealth Group is well-positioned to leverage AI and tech advancements. The medical and healthcare plans industry is increasingly integrating AI for predictive analytics and personalized care. This positions the company to enhance operational efficiency and customer engagement.

The Bull Case

For value and GARP investors, UnitedHealth Group presents a compelling opportunity. With a robust ROIC of 9.49% and a strong Piotroski F-Score of 7, the company demonstrates efficient capital allocation and financial health. Its Free Cash Flow Yield, although modest, supports a narrative of steady cash generation. The operating margin of 4.19% and a solid dividend yield of 2.33% further underscore its pricing power and shareholder 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, potentially limiting upside. The stock is technically overextended, trading close to its 52-week high, which could signal a correction. Additionally, the low Current Ratio of 0.80 indicates potential liquidity concerns, warranting caution.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$385.43

Institutional Ownership %

1-Year Beta

0.65

Insider Buying % (6 Mo)

Distance to 52-Week High

0.10%

Distance to 52-Week Low

38.98%

EARNINGS SURPRISE %

9.88%

50-DAY SMA

$311.77

200-DAY SMA

$317.98

⚠️ 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.