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Company Analysis

UnitedHealth Group Incorporated UNH

A comprehensive view of key metrics, scores, and financial health for UnitedHealth Group Incorporated

Overview of UnitedHealth Group Incorporated

UNH NYQ
Healthcare Healthcare Plans Mega Cap
UnitedHealth Group Incorporated (UNH), is a Mega Cap company, in the Healthcare Plans industry, last closed at $282.09, about 238.8% undervalued vs fair value, -43.5% 1Y return, placing in the top 10% of its sector.
$282.09
1.82%
As of March 13, 2026
Previous close • Vol 90d: 46.2%
52-Week Range
Market Cap
$260.03B
Enterprise Value
$310.30B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.unitedhealthgroup....
HQ Eden Prairie, MN
Employees 400,000
Fiscal year Dec 31

Next Events

Dividend Mar 17
Earnings Apr 16 Estimated

Fair Value Snapshot

Bear Base Bull
$846
$956
$1076
Current: $282.09 +239% vs base

Engine Room Money Flow™

Mega Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
400.28B
11.8%%
Gross Profit
89.40B
-7.3%%
Operating Income
32.29B
-41.3%%
Net Income
14.40B
-38.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
171.7%
Excellent

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$13.5B
65.0% of FCF

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
0/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating UnitedHealth Group Incorporated's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
66
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing UNH's balance between Growth (20.3%), Profitability (46.1%), and Safety (33.6%). Growth 20% Safety 34% Profitability 46%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

36th percentile vs peers
36
Key Signals
Rev Growth YoY 11.8% 40p EPS Growth YoY -35.0% 44p Revenue CAGR 3Y 11.3% 30p EPS CAGR 3Y -5.0% 42p TSR -33.0% 16p
Strengths
  • Superior capital returns - 3 return metrics above peer median
  • Operating Margin in top 20% of peers (4.2%, 90th percentile)
  • Roic in top 20% of peers (14.5%, 88th percentile)
Risks
  • Growth below peer median (percentile: 36)

Profitability

82th percentile vs peers
83
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
60
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for UnitedHealth Group Incorporated.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$955.75
- - -
+238.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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