UNH

Unitedhealth Group
D

UNH

Arincen63/100B
409.28
USD
5.31
(1.31%)
Post Trading·411.20USD+1.92(+0.47%)
Last updated: · Delayed 15 min
Fair valueNot reliable
Q4 FY2026 · Earnings report
EPS estimate 2.28Revenue estimate 112.26B
OverviewFinancialsSignalsNewsForecastEarningsDividendsCompany

Unitedhealth Group stock forecast 2026–2030

Analysts' average 12-month price target for Unitedhealth Group is 478.68, 17.0% above the current price of 409.28. Their targets range from 380.00 to 531.00.

Of the 20 firms that rated Unitedhealth Group in the past 12 months, 17 rate it buy or strong buy, 3 hold and 0 sell or strong sell (each firm at its latest rating); on average they come to Buy.

12-month price target
478.68 USD
+16.96%

Analysts' 1-year price targets range from 380.00 to 531.00, with an average of 478.68.

Past year
1-year forecast
Strong sellStrong buy
Buy
20 ratings
Strong buy
0
Buy
17
Hold
3
Sell
0
Strong sell
0

12-month price target

Highest target531.00
Average target478.68
Lowest target380.00
Current price409.28

Unitedhealth Group price target history

Have analysts recently raised or lowered their Unitedhealth Group price target and rating?

See how analysts moved their price target

How analysts rate Unitedhealth Group, month by month

17 of 20 firms rate it buy now, against 17 of 23 in December 2025.

Buy Hold Sell

Each month: every firm at its latest rating from the 12 months before. Strong buys count as buys, strong sells as sells.

Month endBuyHoldSellFirms
Nov 2026173020
Oct 2026173020
Sept 2026173020
Aug 2026173020
Jul 2026183021
Jun 2026181120
May 2026172120
Apr 2026193224
Mar 2026184224
Feb 2026184224
Jan 2026184224
Dec 2025174223

Unitedhealth Group analyst upgrades, downgrades and price targets

The latest rating change came on 16 July 2026, when Baird upgraded Unitedhealth Group from Underperform to Neutral. The most recent new target came from Morgan Stanley on 27 October 2026: 531.00.

DateFirmRatingPrice targetChangePrice then
27 Oct 2026
Morgan Stanley
Reiterated · Overweight529.00 → 531.00+0.4%410.70
27 Oct 2026
Wells Fargo
Stephen Baxter
Reiterated · Overweight526.00 → 487.00-7.4%410.70

Unitedhealth Group EPS and revenue estimates

Analysts expect Unitedhealth Group's EPS to grow 27.1% a year until 2028. Over the last 5 years it fell 3.8% a year, and over the last 3 years it fell 14.5%.

Analysts expect Unitedhealth Group's revenue to grow 2.9% a year until 2028, slower than over the last 5 years (11.7% a year) and the last 3 years (11.4%).

Revenue

ReportedEstimate

EPS

ReportedEstimate
Fiscal yearEPSEPS growthEPS rangeRevenueRevenue growthRevenue rangeAnalysts
FY2028 (est.) 27.18+16.1%23.21 – 29.05 487.83B+5.3%475.91B – 500.65B15
FY2027 (est.) 23.42+13.7%22.74 – 24.36 463.11B+3.3%452.85B – 474.91B18
FY2026 (est.) 20.60+26.3%20.49 – 20.89 448.33B+0.2%445.65B – 451.05B18
FY2025 16.31-41.1%— 447.57B+12.8%——
FY2024 27.67+10.2%— 396.63B+7.7%——
FY2023 25.12+13.2%— 368.33B+13.6%——
FY2022 22.19—— 324.16B———

Does Unitedhealth Group beat earnings estimates?

On average, analysts' EPS estimate was 6.7% off the result, either way, and their revenue estimate 0.9%, over the last 12 quarters.

EPS beats
104 / 136
Revenue beats
104 / 120
Average EPS surprise, last 12
+5.1%
Since
February 1993
QuarterReport dateEPS estimateReported EPSSurpriseRevenue estimateReported revenueSurprise
Q3 FY202613 Oct 20264.144.69+13.3%111.31B112.70B+1.2%
Q2 FY202616 Jul 20264.916.38+29.9%110.81B112.03B+1.1%
Q1 FY202621 Apr 20266.587.23+9.9%109.43B111.72B+2.1%
Q4 FY202527 Jan 20262.102.11+0.5%113.77B113.22B-0.5%
Q3 FY202528 Oct 20252.802.92+4.3%113.03B113.16B+0.1%
Q2 FY202529 Jul 20254.454.08-8.3%111.52B111.62B+0.1%
Q1 FY202517 Apr 20257.297.20-1.2%111.58B109.58B-1.8%
Q4 FY202416 Jan 20256.746.81+1.0%101.60B100.81B-0.8%
Q3 FY202415 Oct 20247.007.15+2.1%99.14B99.18B+0.0%
Q2 FY202416 Jul 20246.656.80+2.3%98.79B97.86B-0.9%
Q1 FY202416 Apr 20246.616.91+4.5%99.23B98.79B-0.5%
Q4 FY202312 Jan 20245.986.16+3.0%92.14B93.25B+1.2%

Unitedhealth Group stock price 2026–2030: scenarios

If Unitedhealth Group's earnings keep growing at the 18.6% a year analysts expect to FY2028, it would earn about 38.21 a share in FY2030. At the P/E it has traded at over the last five years (21.8 to 32.3) that is 834.02 to 1,235.87 a share, or 1,002.11 at its average P/E of 26.2. This is arithmetic on the analysts' estimates, not a prediction.

Bull Base Bear
Fiscal yearEPSBearBaseBull
FY2026 20.60449.70540.33666.38
FY2027 23.42511.19614.22757.50
FY2028 27.18593.31712.89879.19
FY2029 (extrapolated)32.23703.44845.221,042.38
FY2030 (extrapolated)38.21834.021,002.111,235.87

Each year's EPS is the analysts' consensus to FY2028; the years after continue its 18.6% a year. Bear, base and bull apply the lowest, average and highest P/E of the last five fiscal year ends (21.8, 26.2, 32.3).

Is Unitedhealth Group stock undervalued or overvalued?

Unitedhealth Group's P/E of 23.4 is around the middle of its 5-year range (9.9 to 40.3, median 25.3). It is in line with its own history. Fair value is not a reliable guide for Unitedhealth Group: its earnings swing (EPS fell ⁦35.0%⁩ in FY2024), so its usual P/E would mislead. Its forward P/E, on the consensus for FY2026, is 19.9.

Price to earnings ratio (TTM)
23.36
Five-year median P/E
25.29
Five-year P/E range
9.9 – 40.3
Forward P/E (FY2026)
19.87
PEG ratio
1.26
To the average target
+17.0%
See the full P/E history check Plus

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Common questions about the Unitedhealth Group stock forecast

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