63/100BIf you had invested in Unitedhealth Group ago, it would be worth $3,511 today, against $4,305 in SPY and $6,524 in QQQ.
Arincen ScoreBeta
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability2
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength4
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
Unitedhealth Group key facts
- Style
- Growth stock · 6.5/10Growth 6.5 · Value 6.5 · Dividend 6.4
- Day range
- 392.62 – 416.02
- 52-week range
- 255.97 – 461.62
- Market capitalization
- 367.37B USD
- P/E
- 23.36
- EPS
- 17.52
- Div Yield
- 2.27%
- EPS growth forecast (FY2026)
- +26.3%
- Volume
- 420,389
- Sector
- Healthcare
- Industry
- Medical - Healthcare Plans
- CEO
- Stephen J. Hemsley
- Employees
- 390K
- Website
- unitedhealthgroup.com
- IPO date
- 17 Oct 1984
Unitedhealth Group earnings
Revenue
EPS
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q3 FY2027 | 5.32 | — | — | +13.39% | 116.49B | — | — | +3.36% | |
| Q2 FY2027 | 6.92 | — | — | +8.39% | 115.32B | — | — | +2.93% | |
| Q1 FY2027 | 8.14 | — | — | +12.64% | 113.50B | — | — | +1.59% | |
| Q4 FY2026 | 2.28 | — | — | +8.06% | 112.26B | — | — | -0.84% | |
| Q3 FY2026 | 4.14 | 4.69 | +13.29% | +60.62% | 111.31B | 112.70B | +1.25% | -0.41% | |
| Q2 FY2026 | 4.91 | 6.38 | +29.94% | +56.37% | 110.81B | 112.03B | +1.11% | +0.37% | |
| Q1 FY2026 | 6.58 | 7.23 | +9.88% | +0.42% | 109.43B | 111.72B | +2.09% | +1.96% | |
| Q4 FY2025 | 2.10 | 2.11 | +0.48% | -69.02% | 113.77B | 113.22B | -0.49% | +12.31% | |
| Q3 FY2025 | 2.80 | 2.92 | +4.29% | -59.16% | 113.03B | 113.16B | +0.12% | +14.10% | |
| Q2 FY2025 | 4.45 | 4.08 | -8.31% | -40.00% | 111.52B | 111.62B | +0.08% | +14.06% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 27.18 | — | — | +16.07% | 487.83B | — | — | +5.34% |
| FY2027 | 23.42 | — | — | +13.67% | 463.11B | — | — | +3.30% |
| FY2026 | 20.60 | — | — | +26.32% | 448.33B | — | — | +0.17% |
| FY2025 | 16.32 | 16.31 | -0.06% | -41.06% | 447.86B | 447.57B | -0.06% | +12.84% |
| FY2024 | 27.61 | 27.67 | +0.23% | +10.15% | 400.99B | 396.63B | -1.09% | +7.68% |
| FY2023 | 24.96 | 25.12 | +0.65% | +13.20% | 369.14B | 368.33B | -0.22% | +13.63% |
| FY2022 | 22.02 | 22.19 | +0.75% | +16.73% | 323.88B | 324.16B | +0.09% | +12.71% |
Unitedhealth Group analyst forecast
Analysts' 1-year price targets range from 380.00 to 531.00, with an average of 478.68.
| Strong buy | 0 | |
| Buy | 17 | |
| Hold | 3 | |
| Sell | 0 | |
| Strong sell | 0 |
12-month price target
| Highest target | 531.00 |
| Average target | 478.68 |
| Lowest target | 380.00 |
| Current price | 409.28 |
Unitedhealth Group valuation
- Price to earnings ratio (TTM)
- 23.36
- Forward P/E (FY2026)
- 19.87
- Price to sales (TTM)
- 0.82
- Price to book
- 3.53
- EV / EBITDA (TTM)
- 14.76
Capital structure
Valuation over time
Unitedhealth Group against its own history
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: CVS Health, Elevance Health, Cigna, and Humana, the US Medical - Healthcare Plans companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Below its median23.49.940.3
- Gross marginLowest in 5 years18.5%18.5%24.6%Against its peers: 2 of 5Peers' median 14.2%
- Operating marginLowest in 5 years4.2%4.2%8.8%Against its peers: 1 of 5Peers' median 3.0%
- Net marginLowest in 5 years2.7%2.7%6.2%Against its peers: 2 of 5Peers' median 1.5%
- Return on equityLowest in 5 years12.8%12.8%25.9%Against its peers: 3 of 5Peers' median 9.8%
- Free cash flow marginLowest in 5 years3.6%3.6%7.2%Against its peers: 1 of 5Peers' median 1.8%
- Revenue growthBelow its median11.8%7.7%14.6%Against its peers: 2 of 5Peers' median 10.7%
- EPS growthBelow its median-14.7%-35.0%17.1%Against its peers: 4 of 5Peers' median -1.8%
- Debt to EBITDAHighest in 5 years3.40×1.70×3.40×Against its peers: 2 of 5Peers' median 3.94×
- Current ratioBelow its median0.790.770.83Against its peers: 4 of 5Peers' median 0.85
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
Unitedhealth Group growth and profitability
- Revenue (TTM)
- 449.66B USD
- Net income (TTM)
- 15.88B USD
- Gross margin
- 22.81%
- Operating margin
- 5.32%
- Net margin
- 3.53%
Revenue / Net income
Unitedhealth Group revenue breakdown
By product
| Segment | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Premiums | 352.23B | 78.7% | — |
| Products | 53.38B | 11.9% | — |
| Services | 38.04B | 8.5% | — |
| Investment and other income | 3.92B | 0.9% | — |
How Unitedhealth Group makes its money
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
Unitedhealth Group dividends
- Annual dividend
- 9.28 USD
- Dividend yield (indicated)
- 2.27%
- Payout ratio
- 51.71%
- Years of dividend growth
- 17
- Frequency
- Quarterly
- Last payment
- 2.32 USD
- Last ex-dividend date
- 14 Sept 2026
- Last payment date
- 22 Sept 2026
Dividends per share
Unitedhealth Group financial health
- Cash and short-term investments
- 28.55B USD
- Total debt
- 74.33B USD
- Net cash
- -45.78B USD
- Free cash flow (TTM)
- 22.83B USD
- Current ratio
- 0.74
- Debt to equity
- 0.71
- Piotroski score
- 8 / 9
- Altman Z-score
- 3.08
Cash, debt and free cash flow
Unitedhealth Group ownership
- Institutions
- 88.55%
- Institutional holders
- 3,569 (+350)
- Free float
- 99.76%
Insider trading
| Quarter | Purchases | Sales | Shares acquired | Shares disposed of |
|---|---|---|---|---|
| Q3 2026 | 0 | 2 | 2.52K | 3.11K |
| Q2 2026 | 0 | 1 | 3.64K | 1.82K |
| Q1 2026 | 0 | 0 | 208.62K | 3.85K |
| Q4 2025 | 0 | 0 | 2.76K | 55.00K |
Shares outstanding
Source: Financial Modeling Prep
Arincen
Market Summary: What happened yesterday and what awaits us today, April 22:
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