Stock Analysis
UNITEDHEALTH GROUP INCORPORATED (Delaware)UNH
P/E 25.51×· 5Y range 10.20–40.61×· 55th percentile of history
Sector: Healthcare · Industry: Healthcare Plans
AnalystsStrong Buy34 analystsP/E 25.5× sits at the 55th percentile of its 5.0978781656399725-year history.
Cash covers 39% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality90
Risks
- Profitability35
- Financial Health39
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Revenue CAGR 11.7% — durable top-line growth
- ✓Interest coverage 8.9× — debt well covered
What's happening with UNH
Profile
Strong earnings quality and moat; profitability, financial health and growth lag behind.
How is each axis scored?
- Valuation69/100 · Moderate
- P/E vs own history (55th pct)12/25
- FCF yield (6.6%)20/25
- P/S (0.8x)25/25
- EV/EBIT (18.7x)12/25
- Growth45/100 · Weak
- Revenue CAGR (11.7%)20/25
- Net income CAGR (-8.6%)0/25
- EPS CAGR 5Y (-7.5%)0/25
- Fwd implied growth (49.1%)25/25
- Profitability35/100 · Weak
- ROIC (11.4%)12/25
- ROE (13.3%)12/25
- Net margin (3.1%)6/25
- Operating margin (4.8%)5/25
- Financial Health39/100 · Weak
- Altman Z (1.36)3/25
- Current ratio (0.78)6/25
- Interest coverage (8.9x)18/25
- Net cash / debt (D/A 14%)12/25
- Quality90/100 · Strong
- Piotroski F (6/9)15/25
- Beneish M (-2.55)25/25
- FCF conversion (167%)25/25
- Margin stability (σ 1.4%)25/25
- Moat87/100 · Strong
- ROIC >12% years (9/10 yrs)25/25
- Median gross margin (88.4%)25/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 2.7%)12/25
Risk Flags
- ⚠Altman Z 1.4 — distress-zone balance sheet
About UNITEDHEALTH GROUP INCORPORATED (Delaware)
UnitedHealth Group is one of the largest private health insurers and provides medical benefits to about 51 million members globally, including 1 million outside the US as of December 2025. Show more
As a leader in employer-sponsored, self-directed, and government-backed insurance plans, UnitedHealth has obtained massive scale in medical insurance. Along with its insurance assets, UnitedHealth's Optum franchises help create a healthcare services colossus that spans everything from pharmaceutical benefits to providing outpatient care and analytics to affiliates and third parties.
Headquarters: EDEN PRAIRIE, MN · Employees: 390,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
69BP/E (TTM)25.5xC
Grade C: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 10.2x–40.6x · 55th pct
P/FCF16.2xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 1.1%–11.6% · 71st pct
P/S (TTM)0.80xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.5x–1.8x · 23rd pct
EV/EBIT18.7xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 8.6x–23.5x · 68th pct
EV/Sales0.9xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E17.1xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio3.40xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.48B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.20%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio51.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
35DROIC11.4%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE13.3%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA5.1%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin3.1%D
Grade D: LowNet Income / Revenue
Operating Margin4.8%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin88.6%A
Grade A: PremiumGross Profit / Revenue
FCF Margin5.2%D
Grade D: LowFCF / Revenue
True FCF Margin5.0%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
45D+Revenue CAGR11.7%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-8.6%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-7.5%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth49.1%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-6.1%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income7.2%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.2%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
39DAltman Z-Score1.36D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.78xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.57xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage8.9xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment1.9yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT2.1xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity0.69xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.39xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
90A+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.55A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion167.2%A
Grade A: StrongFCF / Net Income
Margin Stability1.4%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue0.8%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover1.45xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MCNABB FREDERICK WILLIAM III Filed | MCNABB FREDERICK WILLIAM III | Grant / award | +291 | |
Gil Kristen Filed | Gil Kristen | Grant / award | +240 | |
MONTGOMERY RICE VALERIE MD Filed | MONTGOMERY RICE VALERIE MD | Grant / award | +257 | |
Noseworthy John H Filed | Noseworthy John H | Grant / award | +240 | |
Baker Charles D. Filed | Baker Charles D. | Grant / award | +257 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
FLYNN TIMOTHY PATRICK Filed | FLYNN TIMOTHY PATRICK | Grant / award | +262 | |
Gottlieb Scott Filed | Gottlieb Scott | Grant / award | +257 | |
GARCIA PAUL R Filed | GARCIA PAUL R | Grant / award | +103 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
87AROIC >12% Years9/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)88.4%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor2.7%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$15.73
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$42.07
Cash & short-term investments per share (Finnhub)
Book Value / Share$116.01
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$73.33B
Total debt obligations (short + long term)
Cash & Equiv.$28.59B
Cash and short-term investments
Net Debt$44.74B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$105.95B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$359.93B
Current Market Capitalization
Beta0.54B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH)
UNH is down 1.29% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for UNITEDHEALTH GROUP INCORPORATED (Delaware). Altman Z-Score of 1.36 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.55 suggests a low likelihood of earnings manipulation.
- Takes ~1.9 years to repay net debt from free cash flow.
- The stock currently yields 2.2% in dividends.
See how UNH ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 13, 2026 | After-Hrs | $4.18 | $4.69 | +12.2% | $112.5B | $112.7B |
Recent Market Moves
See all UNH moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 409.87 | +3.60% | 2.16 |
| Oct 14 | Regular | 393.43 | +4.15% | 3.71 |
| Oct 14 | After-hours | 395.28 | +4.64% | 4.15 |
| Oct 13 | Pre-market | 394.00 | +4.09% | 3.66 |
| Oct 9 | Regular | 382.47 | +3.11% | 2.92 |
Frequently Asked Questions about UNH
What is the current UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) stock price?
UNH is trading at $401.43 at the last market close, down 1.29% on the session. PreMarketPrice tracks UNH pre-market, intraday and after-hours prices.
Is UNH stock a buy right now?
PreMarketPrice's quantitative model rates UNITEDHEALTH GROUP INCORPORATED (Delaware)'s financial health at 39/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is UNH stock overvalued?
UNITEDHEALTH GROUP INCORPORATED (Delaware) trades at a trailing P/E of 25.5 and our valuation score rates it 69/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does UNITEDHEALTH GROUP INCORPORATED (Delaware) report earnings?
No confirmed earnings date is currently scheduled for UNH. The Earnings section lists recent reports and updates as dates are announced.
What sector does UNITEDHEALTH GROUP INCORPORATED (Delaware) operate in?
UNITEDHEALTH GROUP INCORPORATED (Delaware) operates in the Healthcare sector, within the Healthcare Plans industry. The Related Stocks section lists sector peers for comparison.
What does UNITEDHEALTH GROUP INCORPORATED (Delaware) do?
UnitedHealth Group is one of the largest private health insurers and provides medical benefits to about 51 million members globally, including 1 million outside the US as of December 2025.
About UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) Stock
UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) is a US-listed stock operating in the Healthcare sector, specifically the Healthcare Plans industry. As of the latest update, UNITEDHEALTH GROUP INCORPORATED (Delaware) is trading at $401.43, down 1.29% on the day with a market capitalization of $359.9 billion. The financial health score for UNH is 39/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for UNH stock.
UNH Stock Analysis & Key Metrics
On PreMarketPrice, you can track UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) across multiple dimensions:
- Pre-market price & movement: Real-time UNH stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for UNH, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for UNH with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for UNITEDHEALTH GROUP INCORPORATED (Delaware) across multiple reporting periods.
- Financial health score: A composite score of 39/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for UNH.
- Sector peers: Compare UNH against 6 other healthcare stocks on key financial metrics.
Is UNH a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) as an investment. The financial health score of 39/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.