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🕒 Last update: loading…09/11/2026

Stock UnitedHealth Group Incorporated UNH

UnitedHealth Group Incorporated — Investlytic score 2/5 on the five criteria.

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40/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 2/5 criteria met. Data as of 03/10/2026.

  • ❌ Price trend failed
  • ⚠️ Mixed growth
  • ❌ Debt failed
  • ✅ P/E passed
  • ✅ Correction passed

Price trend

Overall trend (8 years): insufficient progression (less than x1.5).

Price change 2018 → 2019: 18.01%

Price change 2019 → 2020: 19.29%

Price change 2020 → 2021: 43.19%

Price change 2021 → 2022: 5.58%

Price change 2022 → 2023: -0.70%

Price change 2023 → 2024: -3.91%

Price change 2024 → 2025: -34.74%

Price change 2025 → 2026: 10.63%

Price change 2026 (year to date): 8.56%

Financial growth

Revenue CAGR (8 years): 10.24%

Earnings CAGR (8 years): 0.08%

Growth status: positive trend (>1%/yr) in revenue OR earnings, but not both.

Debt

Debt-to-equity ratio: 0.83

Debt/equity > 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 19.95

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 16.31% from the high over 6 months.

Correction between 10.0% and 20.0% (target range).

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Criteria of the Investlytic model

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
UnitedHealth Group Incorporated21.80.83+10.9 %🔒
Roche Holding AG26.50.98+1.7 %–
AstraZeneca PLC20.20.61+3.9 %–
AbbVie Inc.28.9–+9.5 %–
Amgen Inc.20.86.31+6.1 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by UnitedHealth Group Incorporated over the latest fiscal years.

Revenue
448 bn USD
fiscal year 2025
Net income
12.1 bn USD
fiscal year 2025
Net margin
2.7 %
fiscal year 2025
Average annual growth
+11.7 %
Revenue growth over 5 years
Average annual growth
+11.0 %
Revenue growth over 10 years
Market cap
354 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
2020257 bn15.4 bn6.0 %n/a
2021288 bn17.3 bn6.0 %+11.8 %
2022324 bn20.1 bn6.2 %+12.7 %
2023372 bn22.4 bn6.0 %+14.6 %
2024400 bn14.4 bn3.6 %+7.7 %
2025448 bn12.1 bn2.7 %+11.8 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by UnitedHealth Group Incorporated over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
3.05
safe zone (above 2.99)
Piotroski Score
8 / 9
7 to 9: solid accounts
DCF Value
263.94 USD
DCF below share price · share price 394.78 USD, gap -33.1 %
Net Debt / EBITDA
1.73 x
moderate debt
Fiscal year20212022202320242025
Cash and investments23.9 bn27.9 bn29.6 bn29.1 bn28.1 bn
Total Debt46.0 bn57.6 bn67.4 bn76.9 bn78.4 bn
Net Debt24.6 bn34.3 bn42.0 bn51.6 bn54.0 bn
Equity71.8 bn77.8 bn88.8 bn92.7 bn94.1 bn
Total assets212 bn246 bn274 bn298 bn310 bn
Operating cash flow22.3 bn26.2 bn29.1 bn24.2 bn19.7 bn
Investments (capex)2.5 bn2.8 bn3.4 bn3.5 bn3.6 bn
Free cash-flow19.9 bn23.4 bn25.7 bn20.7 bn16.1 bn
Share buybacks5.0 bn7.0 bn8.0 bn9.0 bn5.5 bn
Dividends paid5.3 bn6.0 bn6.8 bn7.5 bn7.9 bn

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)22.50 x
Price / book value3.62 x
Return on Equity (ROE)16.4 %
Return on Invested Capital (ROIC)10.0 %
Net margin3.5 %
Debt / equity0.76 x
Current ratio0.74 x
Interest coverage6.21 x
Free cash-flow yield6.5 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

UnitedHealth Group Incorporated compared with its sector on the same exchange and with its main competitors.

Company P/E
21.1
21.0 % below the sector
Sector median P/E
26.8
healthcare, NYSE
Sector over 10 years
22.3
10-year median, range 18.4 to 44.9

Direct competitors

CompanyMarket cap (USD)P/ENet margin
UnitedHealth Group Incorporated365 bn21.82.7 %
Cigna Corporation CI78.8 bn9.72.2 %
Humana Inc. HUM49.8 bn26.10.9 %
Centene Corporation CNC33.9 bn27.2-3.4 %
CVS Health Corporation CVS115 bn11.50.4 %
Elevance Health Inc. ELV91.1 bn14.32.8 %
Molina Healthcare, Inc. MOH10.7 bn29.61.0 %
Oscar Health, Inc. OSCR7.9 bn21.7-3.8 %
Alignment Healthcare, Inc. ALHC1.5 bn38.3-0.0 %
Sector median (NYSE)26.8

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on . Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering UnitedHealth Group Incorporated publish: ratings, price targets and earnings forecasts.

Majority rating
buy
52 analysts
Average price target
478.68 USD
from 380.00 USD to 531.00 USD, 55 targets over 12 months
Gap with the share price
+17.6 %
price 406.97 USD on 30/10/2026

Breakdown of ratings

strong buy 0buy 43hold 7sell 2strong sell 0

Analysts' average target 478.68 USD, DCF value 263.94 USD, share price 406.97 USD.

Average target over the last 3 months: 478.25 USD (12 targets).

Analyst forecasts

Fiscal yearRevenueNet incomeExpected EPS (range)P/E on this EPSAnalysts
2026448 bn18.8 bn20.60 (20.49 / 20.89)19.818
2027463 bn20.8 bn23.42 (22.74 / 24.36)17.418
2028488 bn23.9 bn27.18 (23.21 / 29.05)15.015

Amounts in USD, the reporting currency.

Track record against expectations: reported EPS above consensus 10 times over the last 12 releases.

Rating changes (12 months)

DateFirmBeforeAfter
27/10/2026Morgan StanleyOverweightOverweight
27/10/2026Wells FargoOverweightOverweight
22/10/2026MizuhoOutperformOutperform
20/10/2026RBC CapitalOutperformOutperform
16/10/2026BernsteinOutperformOutperform

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

UnitedHealth Group Incorporated: dividend history, last distributions, stock splits and earnings releases.

Frequency
quarterly
Last dividend
2.32 USD
ex-dividend on 14/09/2026
Last 12 months
9.06 USD
number of payments: 4
Yield
2.6 %
on the last known price
Years of increases
17
consecutive
Years of payments
36
uninterrupted
02.184.376.558.732007 : 0.0300 USD2008 : 0.0300 USD20082009 : 0.0300 USD2010 : 0.405 USD20102011 : 0.613 USD2012 : 0.800 USD20122013 : 1.05 USD2014 : 1.41 USD20142015 : 1.88 USD2016 : 2.38 USD20162017 : 2.88 USD2018 : 3.45 USD20182019 : 4.14 USD2020 : 4.83 USD20202021 : 5.60 USD2022 : 6.40 USD20222023 : 7.29 USD2024 : 8.18 USD20242025 : 8.73 USD2026 : 6.85 USD2026

Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
14/09/20262.32 USD22/09/2026
15/06/20262.32 USD23/06/2026
09/03/20262.21 USD17/03/2026
08/12/20252.21 USD16/12/2025
15/09/20252.21 USD23/09/2025
16/06/20252.21 USD24/06/2025
10/03/20252.10 USD18/03/2025
09/12/20242.10 USD17/12/2024

Earnings releases

DatePublished EPSExpected EPSSurprise
13/10/20264.694.14+13.3 %
16/07/20266.384.91+29.9 %
21/04/20267.236.58+9.9 %
27/01/20262.112.10+0.5 %
28/10/20252.922.80+4.3 %
29/07/20254.084.45-8.3 %

Stock splits

DateOperation
31/05/2005split: 2 shares for 1
19/06/2003split: 2 shares for 1
26/12/2000split: 2 shares for 1
11/03/1994split: 2 shares for 1
16/09/1992split: 2 shares for 1

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in UnitedHealth Group Incorporated.

Free float
99.8 %
share of freely traded shares
Institutions
88.6 %
3,569 declared holders, 2026Q2
Large funds tracked
37
hold the stock as of 2026Q2
Executives (insiders)
0 / 2
0 purchases, 2 sales in 130 days
US elected officials
37
19 purchases, 18 sales in 12 months

Indices: S&P 500 (since 01/07/1994), Dow Jones (since 24/09/2012).

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
State Street91.3 m37.9 bn0.6 %+101.3 %2026Q2
BlackRock76.9 m31.9 bn0.5 %+4.6 %2026Q2
Vanguard Group91.6 m30.2 bn0.4 %+1.1 %2025Q4
Capital World Investors29.9 m12.4 bn1.5 %+7.6 %2026Q2
Fidelity28.0 m11.6 bn0.5 %+132.9 %2026Q2
T. Rowe Price23.2 m9.6 bn1.0 %+10.9 %2026Q2
Geode Capital Management21.8 m9.0 bn0.5 %-4.5 %2026Q2
JPMorgan Chase20.2 m8.5 bn0.5 %+6.0 %2026Q2

Latest insider transactions

DatePersonSideAmount
21/08/2026Conway Patrick Hughsale455,910 USD
05/08/2026Conway Patrick Hughsale205,000 USD

Elected officials' disclosures

DateOfficialSideAmount
23/09/2026Kevin Hernsale$15,001 - $50,000
24/09/2026Maria Elvira Salazarsale$1,001 - $15,000
10/09/2026Kevin Hernsale$15,001 - $50,000
16/04/2025John Boozmanpurchase$1,001 - $15,000
30/07/2026Rich McCormicksale$1,001 - $15,000

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 08/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
NYSE
IPO: 17/10/1984
ISIN code
US91324P1021
Workforce
400,000
full-time employees
Chief executive
Stephen J. Hemsley
Next earnings
20/01/2027

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about UnitedHealth Group Incorporated

What is the UnitedHealth Group Incorporated share price?

Latest recorded price: 394.15 USD on 06/11/2026, for a market cap of 354 bn USD.

What is the revenue of UnitedHealth Group Incorporated?

448 bn USD for fiscal year 2025, with net income of 12.1 bn USD (net margin 2.7 %).

Does UnitedHealth Group Incorporated pay a dividend?

Yes. Latest dividend: 2.32 USD per share, ex-dividend on 14/09/2026. Over 12 months: 9.06 USD. Yield on the latest known price: 2.6 %.

When does UnitedHealth Group Incorporated report its next earnings?

The next release is expected on 20/01/2027. EPS expected by analysts: 2.28.

What do analysts say about UnitedHealth Group Incorporated?

Out of 52 analysts: 43 buy or strong buy, 7 hold, 2 sell or strong sell. Average price target: 478.68 USD, i.e. +17.6 % from the share price.

What is the P/E ratio of UnitedHealth Group Incorporated?

Trailing 12-month P/E of 21.1, against 26.8 for the sector median on the same exchange (10-year median: 22.3).

Is UnitedHealth Group Incorporated stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US91324P1021).

How many employees does UnitedHealth Group Incorporated have?

400,000 full-time employees according to the latest published profile.

Who runs UnitedHealth Group Incorporated?

Stephen J. Hemsley is the company's chief executive.

Which large funds own UnitedHealth Group Incorporated?

As of 2026Q2, among the large funds tracked: State Street, BlackRock, Vanguard Group, Capital World Investors, Fidelity.

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