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UnitedHealth Group Incorporated
UNH: NYSELowest reading is at 40 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Stephen J. Hemsley
Market Cap
360.32 Billion USD
Sector
Healthcare
Website
https://www.unitedhealthgroup.comLast Update
14/10/2026, 13:03:34
Description
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally.
Read More
Strongest readings
- ✔Dividend growth averages 12.14% per year
- ✔Financial health is strong (health score 60 out of 100)
- ✔Debt is low at 0.78 times equity
- ✔Share count has been falling at 0.88% per year
Weakest readings
- ✘Earnings have fallen this year (-32.95%)
- ✘Revenue is growing at 11.84% per year while free cashflow is falling
- ✘Returns on capital have declined over five years (6.96% lower)
- ✘The current price sits above estimated fair value (margin of safety -62.57%)
- ✘Price-to-earnings of 25.0 is above the market average of 19.6
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 25.03x | 19.60x | |
| ✘ | Margin of safety (DCF) | -62.57% | 17.95% | |
| ✔ | Revenue growth (5y average) | 11.84% | 10.97% | |
| ✔ | Dividend yield (TTM) | 2.31% | 1.85% | |
| ✔ | Share count, per year | -0.88% | 0.00% | |
| ✘ | Return on capital employed | 9.60% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
not enough dataNot enough of the underlying data is reported to score this section.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 25.03x | 19.60x | |
| ✔ | Free cashflow yield | 6.75% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 3.30x | — | ||
| ✘ | Margin of safety | -62.57% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 145.97 USD is below the current price of 401.43 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 550.4 USD ✔
Current Price: 390 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
40 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 11.84% | 10.97% | |
| ✘ | Earnings growth | 12.34% | 14.48% | |
| ✘ | Cashflow growth | -1.16% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue growth has slowed this year (6.46% against a five year average of 11.84%)
- ✘Earnings growth has slowed this year (-32.95% against a five year average of 12.34%)
- ✘Free cashflow growth has slowed this year
- ✘Revenue is growing at 11.84% per year while free cashflow is falling at 1.16% per year
Health
60 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.78x | 0.80x | |
| ✔ | Debt / total capital | 0.44x | 1.00x | |
| Equity / assets | 32.33% | — | ||
| ✔ | Interest coverage | 4.67x | 2.50x | |
| Underwriting loss ratio | 89.15% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
63 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 2.31% | 1.85% | |
| ✔ | Dividend growth | 5.08% | 0.00% | |
| ✘ | Payout ratio (earnings) | 57.33% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 34.28% | 65.00% | |
| ✔ | Worst year, last 5 years | 6.59% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
58 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 12.05% | 15.00% | |
| ✘ | Return on capital employed | 9.60% | 10.00% | |
| Return on assets | 3.89% | — | ||
| Free cashflow return on capital | 8.26% | — | ||
| ✘ | Return on capital, 5y change | -6.96% | 0.00% | |
| ✔ | Share count, per year | -0.88% | 0.00% | |
| ✔ | Share count, recent | -1.15% | 0.00% | |
| ✘ | Realized buyback return | -58.78% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 32.97% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Shares were repurchased while the value score was only 0 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
UNH
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
UnitedHealth Group Incorporated
Currency
USD
Beta
0.622
Vol Avg
4968876
Ceo
Mr. Stephen J. Hemsley
Cik
0000731766
Cusip
Exchange
NYSE
Full Time Employees
390000
Industry
Healthcare Plans
Sector
Healthcare
Ipo Date
Address
1 Health Drive
City
Eden Prairie
State
MN
Country
United States
Zip
55344
Phone
(800)-328-5979
Analysis Last Updated
14/10/2026, 13:03:34
Financial data compiled from SEC EDGAR filings and Yahoo Finance.