UNH
UnitedHealth Group Incorporated
$406.68
▲ 1.4%Updated Today 7:15 PM ET
▲ Up 30.5% over the last 12 months
Market Cap
$370.21B
P/E
30.26x
Forward P/E (est.)
43.22x
ROE
12.4%
Revenue Growth
9.7%
EPS Growth
-44.6%
Profit Margin
2.7%
FCF Yield
6.9%
Debt / Equity
0.83x
ROIC
14.0%
Interest Coverage
4.74x
Current Ratio
0.8x
Dividend Yield
2.3%
Implied Growth (rev. DCF)
4.5%
Rating Score
41/100
Institutional-style technical read — sample, educational only
Uptrend — price ($406.68) is above the 50-day ($372.67) and 200-day ($333.55) averages.
Setup type
Range / mean-reversion
Holding time
1–6 weeks
Risk level
Medium
Risk / reward
1 : 0.6
Trade levels
Entry zone
$391.86 – $406.68
Stop loss
$369.78
Target 1
$415.98
Target 2
$441.26
Target 3
$456.08
Position sizing: Scale in; risk ≤ 1% of capital, half-size to start.
Technical analysis
RSI(14) is firm (66); the MACD histogram is negative (downward momentum). Uptrend — price ($406.68) is above the 50-day ($372.67) and 200-day ($333.55) averages. ATR(14) is $9.88 (~2.4% of price), which sets the stop distance. Recent support sits near $374.72 and resistance near $415.98; the 52-week range is $234.60–$415.98.
Fundamental analysis
Revenue is stable at 9.7%, net margin near 2.7%, ROE roughly 12.4%; shares trade at 30x earnings. Quality score: 41/100.
Options flow
Live options-flow data needs a paid feed, so it isn't shown. For realized volatility, ATR of $9.88 (~2.4%/day) is the range to size stops and any option strikes around.
Volume analysis
The latest session traded 1.7× the 20-day average volume — above average, confirming participation.
Catalysts
The next quarterly earnings report is the main near-term catalyst. Technically, watch for a break and hold above $415.98 or a loss of $374.72.
Bullish scenario
Vertical integration with Optum diversifies and grows earnings.
Bearish scenario
Regulatory and political risk to medical-loss ratios and pricing.
Invalidation
A daily close below $369.78 invalidates this setup read.
Probability-based scenario using sample data — not a recommendation or a guarantee of profit. Prioritize capital preservation, use stops, and size positions for risk. Past performance does not predict future results.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what UNH's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. UNH trades near $406.68, above its 50-day average ($372.67) and 200-day average ($333.55). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 66 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. UNH's is $9.88 (~2.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month UNH found buyers near $374.72 (support) and sellers near $415.98 (resistance); its 52-week range is $234.60–$415.98. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.7× the 20-day average — heavier than usual, which adds conviction to the move. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
UnitedHealth is the largest U.S. managed-care organization, pairing health-insurance scale with the vertically integrated Optum services platform, which now drives a growing share of earnings.
4Y CAGR
11.7%
Revenue grew from $287.60B in 2021 to $447.57B in 2025, a 11.7% CAGR. The most recent year grew about 9.7% year over year, a moderate pace consistent with a mature business.
Gross Margin
—
Operating Margin
4.2%
Net Margin
2.7%
ROE
12.4%
Gross margin runs near 24.0% with operating margin around 4.1% and net margin near 2.7%. Return on equity of roughly 12.4% indicates moderate capital efficiency, and the margin profile has trended steady over the period shown.
Total Debt
$75.06B
Net Debt
$47.06B
Net Debt / EBITDA
2.48x
Debt / Equity
0.83x
Interest-bearing debt is about 12.0% of market capitalization and the debt-to-equity ratio is roughly 0.83x. Leverage is moderate and manageable relative to cash flow.
Operating CF
$19.70B
Free Cash Flow
$16.07B
FCF Margin
3.6%
Operating cash flow comfortably exceeds reported net income, and free cash flow yield is around 6.9%. Cash generation is robust and supports buybacks, dividends, and reinvestment.
P/E
30.26x
P/S
0.83x
P/B
3.13x
EV / EBITDA
17.3x
Shares trade at roughly 30x trailing earnings (16x forward), 0.8x sales, and 13x EV/EBITDA. That is a full but defensible multiple for a quality franchise. Our internal rating is Weak.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How UNH stacks up against its Health Care peers — valuation, profitability, and growth versus the sector median.
In the Health Care sector (59 S&P 500 companies), UNH ranks #47 of 59 by our overall rating. It trades at a premium versus the sector on earnings (30.3x P/E vs. 25.4x median) with a lower return on equity (12.4% vs. 14.9%) and faster revenue growth (9.7% vs. 7.9%).
P/E vs sector
30.3x
median 25.4x
ROE vs sector
12.4%
median 14.9%
Growth vs sector
9.7%
median 7.9%
Sector rank
#47
of 59 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Health Care companies by sub-industry and size. Sector median is across all 59 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$428.61 – $714.35
vs. $406.68 today · expected CAGR 1% – 12%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $492.32B | $541.56B | $595.71B | $655.28B | $720.81B |
| Net income | $14.77B | $16.25B | $17.87B | $19.66B | $21.62B |
| EPS | $16.26 | $17.89 | $19.68 | $21.65 | $23.81 |
| Share price (low) | $292.75 | $322.02 | $354.22 | $389.64 | $428.61 |
| Share price (high) | $487.91 | $536.70 | $590.37 | $649.41 | $714.35 |
| CAGR (low–high) | -28% / 20% | -11% / 15% | -4% / 13% | -1% / 12% | 1% / 12% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
- Vertical integration with Optum diversifies and grows earnings.
- Scale advantages in cost control and data.
- Steady demand and consistent cash generation.
- Regulatory and political risk to medical-loss ratios and pricing.
- Rising medical-cost trends pressure margins.
- Headline risk around insurance practices can compress the multiple.
- Healthcare policy and reimbursement changes.
- Medical-cost inflation.
- Litigation and regulatory scrutiny.
UnitedHealth is a scaled managed-care leader whose Optum arm keeps compounding earnings; the main risks are political and medical-cost pressure, not demand.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.