Val
—
Gro
—
Qua
—
Mom
—
Sta
—
Cap—
P/S0.85
P/E—
Fwd P/E18.75
PEG1.34
52W— – —
RSI—
Target$475.23 (+13.0%)
Beta0.63
Div1.03%
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RSI (14)
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UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. It operates through four segments: Optum Health, Optum Insight, Optum Rx; and UnitedHealthcare. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services with patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, public entities, life sciences companies and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community health care programs. and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
52-Week Range
52W Low
—
52W High
Position in Range
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RSI (14)
0 · Oversold
RSI 50
Overbought · 100
Signal
Neutral
EMA Price Levels
Volume Analysis
Momentum Dashboard
Trend Strength
Detected Patterns
5Bullish
0Bearish
0Neutral
▲ Bull Flag — Breakout after +19% pole — bullish continuation
▲ Bull Flag — Breakout after +34% pole — bullish continuation
▲ Bull Flag — Breakout after +21% pole — bullish continuation
▲ Bull Flag — Breakout after +8% pole — bullish continuation
▲ Double Bottom — Two lows ~$406.48 — bullish reversal confirmed
View overlays on the price chart via Chart tab → Pattern Overlays.
EPS — History & Forecast
Estimate
Beat
Miss
Forecast
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Revenue — History & Forecast
Revenue
Forecast
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EPS Beat Rate
75%
6/8 quarters
Wall Street Consensus
BUY
BuyHoldSell
Price Target Range
$475.23
+13.0% upside
Low $313
—
High $529
Consensus
Current price
Wall Street Analyst Ratings
| Firm | Rating | Change | Action | Date |
|---|---|---|---|---|
| JP Morgan | Overweight | — | ↔ Maintain | 2026-07-21 |
| Mizuho | Outperform | — | ↔ Maintain | 2026-07-21 |
| Barclays | Overweight | — | ↔ Maintain | 2026-07-20 |
| Morgan Stanley | Overweight | — | ↔ Maintain | 2026-07-17 |
| Keybanc | Overweight | — | ↔ Maintain | 2026-07-17 |
| Oppenheimer | Outperform | — | ↔ Maintain | 2026-07-17 |
| Truist Securities | Buy | — | ↔ Maintain | 2026-07-17 |
| RBC Capital | Outperform | — | ↔ Maintain | 2026-07-17 |
| UBS | Buy | — | ↔ Maintain | 2026-07-17 |
| Baird | Neutral | Underperform → Neutral | ▲ Upgrade | 2026-07-16 |
| TD Cowen | Hold | — | ↔ Maintain | 2026-07-14 |
| Wells Fargo | Overweight | — | ↔ Maintain | 2026-07-13 |
| HSBC | Hold | — | ↔ Maintain | 2026-07-06 |
| B of A Securities | Buy | — | ↔ Maintain | 2026-06-24 |
| Leerink Partners | Outperform | — | ↔ Maintain | 2026-06-17 |
| Bernstein | Outperform | — | ↔ Maintain | 2026-05-27 |
| Argus Research | Buy | Hold → Buy | ▲ Upgrade | 2026-04-22 |
| Jefferies | Buy | — | ↔ Maintain | 2026-04-20 |
| Raymond James | Outperform | Market Perform → Outperform | ▲ Upgrade | 2026-04-01 |
JP Morgan
2026-07-21
Overweight
↔ Maintain
Mizuho
2026-07-21
Outperform
↔ Maintain
Barclays
2026-07-20
Overweight
↔ Maintain
Morgan Stanley
2026-07-17
Overweight
↔ Maintain
Keybanc
2026-07-17
Overweight
↔ Maintain
Oppenheimer
2026-07-17
Outperform
↔ Maintain
Truist Securities
2026-07-17
Buy
↔ Maintain
RBC Capital
2026-07-17
Outperform
↔ Maintain
UBS
2026-07-17
Buy
↔ Maintain
Baird
2026-07-16
Neutral
(from Underperform)
▲ Upgrade
TD Cowen
2026-07-14
Hold
↔ Maintain
Wells Fargo
2026-07-13
Overweight
↔ Maintain
HSBC
2026-07-06
Hold
↔ Maintain
B of A Securities
2026-06-24
Buy
↔ Maintain
Leerink Partners
2026-06-17
Outperform
↔ Maintain
Bernstein
2026-05-27
Outperform
↔ Maintain
Argus Research
2026-04-22
Buy
(from Hold)
▲ Upgrade
Jefferies
2026-04-20
Buy
↔ Maintain
Raymond James
2026-04-01
Outperform
(from Market Perform)
▲ Upgrade
Profitability
Gross Margin
19.51%TTM
Op. Margin
7.13%TTM
ROE
14.15%TTM
Rev. Growth
0.40%YoY
Free Cash Flow
22.76BTTM
FCF Yield
—TTM
Balance Sheet
Debt / Equity
69.21MRQ
Current Ratio
0.78MRQ
Cash
31.47BMRQ
Total Debt
73.33BMRQ
Net Debt
—MRQ
Income
Div. Yield
1.03%TTM
Annual Rate
9.28Fwd
Payout Ratio
66.57%TTM
Dividend History
Payout Ratio (TTM): 66.57%
| Date | Amount / Share | Yield at Payment |
|---|---|---|
| 2026-06-15 | $2.3200 | 0.56% |
| 2026-03-09 | $2.2100 | 0.78% |
| 2025-12-08 | $2.2100 | 0.69% |
| 2025-09-15 | $2.2100 | 0.65% |
| 2025-06-16 | $2.2100 | 0.74% |
| 2025-03-10 | $2.1000 | 0.45% |
| 2024-12-09 | $2.1000 | 0.39% |
| 2024-09-16 | $2.1000 | 0.37% |
| 2024-06-17 | $2.1000 | 0.45% |
| 2024-03-08 | $1.8800 | 0.41% |
| 2023-12-01 | $1.8800 | 0.36% |
| 2023-09-08 | $1.8800 | 0.41% |
| 2023-06-15 | $1.8800 | 0.43% |
| 2023-03-10 | $1.6500 | 0.38% |
| 2022-12-02 | $1.6500 | 0.33% |
| 2022-09-09 | $1.6500 | 0.34% |
| 2022-06-16 | $1.6500 | 0.39% |
| 2022-03-11 | $1.4500 | 0.33% |
| 2021-12-03 | $1.4500 | 0.35% |
| 2021-09-10 | $1.4500 | 0.39% |
| 2021-06-18 | $1.4500 | 0.41% |
| 2021-03-12 | $1.2500 | 0.39% |
| 2020-12-04 | $1.2500 | 0.39% |
| 2020-09-11 | $1.2500 | 0.46% |
| 2020-06-19 | $1.2500 | 0.48% |
| 2020-03-13 | $1.0800 | 0.44% |
| 2019-12-06 | $1.0800 | 0.43% |
| 2019-09-13 | $1.0800 | 0.52% |
| 2019-06-14 | $1.0800 | 0.50% |
| 2019-03-08 | $0.9000 | 0.43% |
| 2018-11-30 | $0.9000 | 0.36% |
| 2018-09-06 | $0.9000 | 0.38% |
| 2018-06-15 | $0.9000 | 0.40% |
| 2018-03-08 | $0.7500 | 0.38% |
| 2017-11-30 | $0.7500 | 0.38% |
| 2017-09-07 | $0.7500 | 0.44% |
| 2017-06-15 | $0.7500 | 0.48% |
| 2017-03-08 | $0.6250 | 0.43% |
| 2016-11-30 | $0.6250 | 0.46% |
| 2016-09-07 | $0.6250 | 0.54% |
How UNH Makes Its Money
Cash Flow Breakdown
Quarterly Metrics
| Quarter | Revenue | Rev YoY | Gross Profit | Op. Income | Net Income | Net YoY | Gross % | Op % | Net % |
|---|
Full Key Statistics
Valuation
| Market Cap | 381.94B |
| Enterprise Value | 424.33B |
| Trailing P/E | 32.25 |
| Forward P/E | 18.75 |
| PEG Ratio (5yr) | 1.34 |
| Price/Sales (ttm) | 0.85 |
| Price/Book (mrq) | 3.65 |
| EV/Revenue | 0.94 |
| EV/EBITDA | 17.49 |
Share Statistics
| Avg Vol (3m) | 6.52M |
| Shares Outstanding | 908.14M |
| Float | 903.29M |
| % Held by Insiders | 0.24% |
| % Held by Institutions | 86.23% |
| Short Ratio | 2.88 |
| Short % of Float | 2.13% |
Profitability
| Gross Margin | 19.51% |
| Operating Margin (ttm) | 7.13% |
| Profit Margin | 3.14% |
| Return on Assets (ttm) | 4.38% |
| Return on Equity (ttm) | 14.15% |
Income Statement
| Revenue (ttm) | 450.13B |
| Revenue Growth (yoy) | 0.40% |
| Gross Profit (ttm) | 87.84B |
| EBITDA | 24.26B |
| Net Income (ttm) | 14.12B |
| Diluted EPS (ttm) | 13.04 |
| EPS Growth (yoy) | 61.50% |
Balance Sheet
| Total Cash (mrq) | 31.47B |
| Total Debt (mrq) | 73.33B |
| Debt / Equity (mrq) | 69.21 |
| Current Ratio (mrq) | 0.78 |
| Book Value / Share | 115.36 |
| Operating CF (ttm) | 27.02B |
| Free Cash Flow (ttm) | 22.76B |
Trading & Dividends
| Beta (5Y) | 0.63 |
| 50-Day MA | 409.05 |
| 200-Day MA | 344.08 |
| Fwd Dividend Yield | 216.00% |
| Payout Ratio | 66.57% |
Ownership Breakdown
Institutional 86.23%
Insider 0.24%
Public 13.5%
Short Interest
2.13% of float
Low
Institutional 13F Holdings
Famous investors who disclosed a position in UNH in their latest SEC 13F filing.
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Insider Transactions
| Date | Insider | Role | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-07-01 | BAKER CHARLES D | Director | Stock Award(Grant) at price 0.00 per share. | 220 | — |
| 2026-07-01 | GIL KRISTEN | Director | Stock Award(Grant) at price 0.00 per share. | 206 | — |
| 2026-07-01 | MONTGOMERY RICE VALERIE C | Director | Stock Award(Grant) at price 0.00 per share. | 220 | — |
| 2026-07-01 | GARCIA PAUL REU | Director | Stock Award(Grant) at price 0.00 per share. | 220 | — |
| 2026-07-01 | MCNABB FREDERICK WILLIAM III | Director | Stock Award(Grant) at price 0.00 per share. | 250 | — |
| 2026-07-01 | NOSEWORTHY JOHN H | Director | Stock Award(Grant) at price 0.00 per share. | 206 | — |
| 2026-07-01 | FLYNN TIMOTHY PATRICK | Director | Stock Award(Grant) at price 0.00 per share. | 225 | — |
| 2026-07-01 | GOTTLIEB SCOTT | Director | Stock Award(Grant) at price 0.00 per share. | 210 | — |
| 2026-06-23 | BAKER CHARLES D | Director | Stock Award(Grant) at price 0.00 per share. | 13 | — |
| 2026-06-23 | CONWAY PATRICK HUGH | Officer | Stock Award(Grant) at price 0.00 per share. | 82 | — |
| 2026-06-23 | STANKIEWICZ DENNIS ANDREW | Officer | Stock Award(Grant) at price 0.00 per share. | 50 | — |
| 2026-06-23 | ZAETTA CHRISTOPHER R | Officer | Stock Award(Grant) at price 0.00 per share. | 60 | — |
| 2026-06-23 | NOEL TIMOTHY JOHN | Officer | Stock Award(Grant) at price 0.00 per share. | 76 | — |
| 2026-06-23 | GIL KRISTEN | Director | Stock Award(Grant) at price 0.00 per share. | 8 | — |
| 2026-06-23 | MONTGOMERY RICE VALERIE C | Director | Stock Award(Grant) at price 0.00 per share. | 41 | — |
| 2026-06-23 | GARCIA PAUL REU | Director | Stock Award(Grant) at price 0.00 per share. | 13 | — |
| 2026-06-23 | MCNABB FREDERICK WILLIAM III | Director | Stock Award(Grant) at price 0.00 per share. | 50 | — |
| 2026-06-23 | NOSEWORTHY JOHN H | Director | Stock Award(Grant) at price 0.00 per share. | 41 | — |
| 2026-06-23 | FLYNN TIMOTHY PATRICK | Director | Stock Award(Grant) at price 0.00 per share. | 61 | — |
| 2026-06-23 | MCSWEENEY ERIN L | Officer | Stock Award(Grant) at price 0.00 per share. | 48 | — |
| 2026-06-23 | DEVEYDT WAYNE S | Chief Financial Officer | Stock Award(Grant) at price 0.00 per share. | 111 | — |
| 2026-06-23 | GOTTLIEB SCOTT | Director | Stock Award(Grant) at price 0.00 per share. | 3 | — |
| 2026-06-23 | HEMSLEY STEPHEN J | Chief Executive Officer | Stock Award(Grant) at price 0.00 per share. | 46 | — |
| 2026-04-23 | CONWAY PATRICK HUGH | Officer | Sale at price 355.00 per share. | 800 | $284,000 |
| 2026-04-01 | BAKER CHARLES D | Director | Stock Award(Grant) at price 0.00 per share. | 343 | — |
BAKER CHARLES D
Director
Stock Award(Grant) at price 0.00 per share.
2026-07-01
220 sh
—
GIL KRISTEN
Director
Stock Award(Grant) at price 0.00 per share.
2026-07-01
206 sh
—
MONTGOMERY RICE VALERIE C
Director
Stock Award(Grant) at price 0.00 per share.
2026-07-01
220 sh
—
GARCIA PAUL REU
Director
Stock Award(Grant) at price 0.00 per share.
2026-07-01
220 sh
—
MCNABB FREDERICK WILLIAM III
Director
Stock Award(Grant) at price 0.00 per share.
2026-07-01
250 sh
—
NOSEWORTHY JOHN H
Director
Stock Award(Grant) at price 0.00 per share.
2026-07-01
206 sh
—
FLYNN TIMOTHY PATRICK
Director
Stock Award(Grant) at price 0.00 per share.
2026-07-01
225 sh
—
GOTTLIEB SCOTT
Director
Stock Award(Grant) at price 0.00 per share.
2026-07-01
210 sh
—
BAKER CHARLES D
Director
Stock Award(Grant) at price 0.00 per share.
2026-06-23
13 sh
—
CONWAY PATRICK HUGH
Officer
Stock Award(Grant) at price 0.00 per share.
2026-06-23
82 sh
—
STANKIEWICZ DENNIS ANDREW
Officer
Stock Award(Grant) at price 0.00 per share.
2026-06-23
50 sh
—
ZAETTA CHRISTOPHER R
Officer
Stock Award(Grant) at price 0.00 per share.
2026-06-23
60 sh
—
NOEL TIMOTHY JOHN
Officer
Stock Award(Grant) at price 0.00 per share.
2026-06-23
76 sh
—
GIL KRISTEN
Director
Stock Award(Grant) at price 0.00 per share.
2026-06-23
8 sh
—
MONTGOMERY RICE VALERIE C
Director
Stock Award(Grant) at price 0.00 per share.
2026-06-23
41 sh
—
GARCIA PAUL REU
Director
Stock Award(Grant) at price 0.00 per share.
2026-06-23
13 sh
—
MCNABB FREDERICK WILLIAM III
Director
Stock Award(Grant) at price 0.00 per share.
2026-06-23
50 sh
—
NOSEWORTHY JOHN H
Director
Stock Award(Grant) at price 0.00 per share.
2026-06-23
41 sh
—
FLYNN TIMOTHY PATRICK
Director
Stock Award(Grant) at price 0.00 per share.
2026-06-23
61 sh
—
MCSWEENEY ERIN L
Officer
Stock Award(Grant) at price 0.00 per share.
2026-06-23
48 sh
—
DEVEYDT WAYNE S
Chief Financial Officer
Stock Award(Grant) at price 0.00 per share.
2026-06-23
111 sh
—
GOTTLIEB SCOTT
Director
Stock Award(Grant) at price 0.00 per share.
2026-06-23
3 sh
—
HEMSLEY STEPHEN J
Chief Executive Officer
Stock Award(Grant) at price 0.00 per share.
2026-06-23
46 sh
—
CONWAY PATRICK HUGH
Officer
Sale at price 355.00 per share.
2026-04-23
800 sh
$284,000
BAKER CHARLES D
Director
Stock Award(Grant) at price 0.00 per share.
2026-04-01
343 sh
—