UnitedHealth Group Incorporated(UNH) - Stock detail

UnitedHealth Group Incorporated

US
UNH
UnitedHealth Group Incorporated(Listing date: 10/19/1984)

UnitedHealth Group Incorporated is a Delaware corporation. It is a diversified company dedicated to helping people live healthy lives and work better. The company provides a wide range of products and services through two distinct platforms: UnitedHealthcare, which offers healthcare coverage and benefit services; and Optum, which provides information and technology-enabled health services.

AI Rating

Rating methodology
Latest close (chg%)405.55-0.47%
Buy price
400.00
Target price450.00
Sell price389.00
P/E TTM27.96
P/E21.96
Confidence70%
Risk score60/100
AI Summary
The stock shows strong bullish momentum and forward-looking recovery narrative, but current price is overbought and above the recommended entry zone. Awaiting pullback to $398-$402 support zone for better risk/reward entry.

Alpha Score

0-10
  • Trend（Score 0/10）

    No summary available

  • Valuation（Score 2/10）

    The current valuation appears full to overvalued with a trailing P/E of 27.96x and forward P/E of 21.96x. The stock trades near the upper end of its recent range ($255.96-$413.00) and above a calculated reasonable price range of $265-$318 based on conservative earnings multiples. The P/B ratio of 3.24x reflects market valuation above book value, while the P/S ratio of 0.82x suggests some value consideration but must be weighed against declining margins.

  • Financial strength（Score 5/10）
    Financial health shows both strength and areas of concern. The current ratio of 0.80 indicates potential short-term liquidity constraints, though this is common for large insurers with predictable cash flows. The debt-to-asset ratio of 66.31% reflects significant leverage, increasing financial risk. The company generates substantial and consistent operating cash flows which support debt servicing and operations.
  • Profitability（Score 4/10）
    Profitability shows massive scale with TTM revenue exceeding $447B annually, but recent data indicates significant margin pressures. Q1 2026 revenue grew only 1.96% year-over-year, a sharp deceleration from 2025. Net margin declined to 5.80% in Q1 2026 from 5.91% in Q1 2025, with full-year 2025 net margin at 2.86% impacted by a -35.90% decline in gross profit. ROE-TTM is 12.75% and ROA-TTM is 3.92%.
  • Sentiment（Score 0/10）
    No summary available
Latest price
$405.55-0.47%
Market cap368.3B
P/E TTM27.96
P/E21.96
Volume4.92M
Turnover2B