UnitedHealth Group Incorporated (UNH)

US — Healthcare Sector
Peers: NVS  ABT  AZN  CI  MRK  NVO  TMO  HUM  CVS  ELV 

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Key Metrics & Ratings

  • symbol UNH
  • Rev/Share 479.25
  • Book/Share 116.5341
  • PB 3.1273
  • Debt/Equity 0.8366
  • CurrentRatio 0.8229
  • ROIC 0.1051

 

  • MktCap 298845219124.0
  • FreeCF/Share 19.1322
  • PFCF 17.2027
  • PE 17.031
  • Debt/Assets 0.2542
  • DivYield 0.0261
  • ROE 0.186

 

  • Rating B+
  • Score 3
  • Recommendation Neutral
  • P/E Score 2
  • DCF Score 5
  • P/B Score 2
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Downgrade UNH Deutsche Bank Buy Hold -- $333 Oct. 29, 2025
Initiation UNH Goldman -- Buy -- $406 Oct. 14, 2025
Downgrade UNH Robert W. Baird Neutral Underperform -- $198 July 31, 2025
Reiterated UNH Oppenheimer -- Outperform $400 $325 July 30, 2025
Downgrade UNH Robert W. Baird Outperform Neutral -- $312 June 11, 2025
Downgrade UNH HSBC Securities Hold Reduce -- $270 May 21, 2025
Downgrade UNH TD Cowen Buy Hold -- $308 May 19, 2025
Downgrade UNH BofA Securities Buy Neutral -- $350 May 14, 2025
Downgrade UNH Raymond James Strong Buy Market Perform -- -- May 14, 2025
Downgrade UNH HSBC Securities Buy Hold -- $490 April 22, 2025

News

UNH Battles MCR, Optum Bandages: But the Real Wild Card is Washington
UNH
Published: November 28, 2025 by: Zacks Investment Research
Sentiment: Positive

UnitedHealth grapples with a surging MCR as Optum's strength steadies results while Washington's policy moves loom large.

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image for news UNH Battles MCR, Optum Bandages: But the Real Wild Card is Washington
Why Is UnitedHealth (UNH) Down 7.2% Since Last Earnings Report?
UNH
Published: November 27, 2025 by: Zacks Investment Research
Sentiment: Negative

UnitedHealth (UNH) reported earnings 30 days ago. What's next for the stock?

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image for news Why Is UnitedHealth (UNH) Down 7.2% Since Last Earnings Report?
Battle of Benefits: Will UNH Deliver the Bigger Dose or CVS? (Revised)
CVS, UNH
Published: November 26, 2025 by: Zacks Investment Research
Sentiment: Positive

CVS's rising margins, stronger guidance and sharper valuation edge make it stand out in the UNH vs. CVS upside debate.

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image for news Battle of Benefits: Will UNH Deliver the Bigger Dose or CVS? (Revised)
Battle of Benefits: Will UNH Deliver the Bigger Dose or CVH?
CVS, UNH
Published: November 26, 2025 by: Zacks Investment Research
Sentiment: Positive

CVS's rising margins, stronger guidance and sharper valuation edge make it stand out in the UNH vs. CVS upside debate.

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image for news Battle of Benefits: Will UNH Deliver the Bigger Dose or CVH?
Smart Meter Opinion Editorial: Remote Patient Monitoring Works. UnitedHealthcare's 2026 Rollback Ignores the Evidence, and Patients Will Pay the Price.
UNH
Published: November 26, 2025 by: Business Wire
Sentiment: Neutral

TAMPA, Fla.--(BUSINESS WIRE)--The following is an opinion editorial provided by Casey Pittock, CEO, Smart Meter: UnitedHealthcare's decision to sharply limit remote patient monitoring (RPM) reimbursement beginning January 1, 2026, to heart failure and hypertensive disorders of pregnancy, is a disservice to clinicians, patients, and the healthcare system at large. It contradicts federal momentum to modernize chronic care and misrepresents the weight of current evidence on RPM's clinical value fo.

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image for news Smart Meter Opinion Editorial: Remote Patient Monitoring Works. UnitedHealthcare's 2026 Rollback Ignores the Evidence, and Patients Will Pay the Price.
Is UNH's Hybrid Care Strategy Reshaping the Health System Playbook?
UNH
Published: November 25, 2025 by: Zacks Investment Research
Sentiment: Neutral

UnitedHealth pushes its hybrid care model forward, merging digital tools with in-person care as it extends this approach across global markets.

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image for news Is UNH's Hybrid Care Strategy Reshaping the Health System Playbook?
Why Did UNH Stock Lose Half Its Value And What Comes Next?
UNH
Published: November 24, 2025 by: Forbes
Sentiment: Negative

UnitedHealth's stock plummeted from over $600 to approximately $310-$320 (nearly 50% down) over the last year, and it's not merely market fluctuations. This decline stems from a significant issue centered around one key metric: the Medical Care Ratio (MCR).

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image for news Why Did UNH Stock Lose Half Its Value And What Comes Next?
UnitedHealth: Buy Before The Buybacks Resume
UNH
Published: November 20, 2025 by: Seeking Alpha
Sentiment: Positive

While the market fixates on UnitedHealth's buyback pause as a sign of distress, a granular analysis of the balance sheet reveals a highly calculable, yet overlooked, path to deleveraging. Investors are currently pricing in a permanent liquidity crunch due to a $3.3 billion debt repayment shortfall, missing the critical distinction between trapped regulatory capital and actual insolvency. I detail how the divergence in Medicare Star Ratings and strategic PPO exits will restore margins, solve the regulatory capital puzzle, and force the buyback window open sooner than expected.

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image for news UnitedHealth: Buy Before The Buybacks Resume
UnitedHealth Group Incorporated (UNH) is Attracting Investor Attention: Here is What You Should Know
UNH
Published: November 20, 2025 by: Zacks Investment Research
Sentiment: Positive

UnitedHealth (UNH) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.

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image for news UnitedHealth Group Incorporated (UNH) is Attracting Investor Attention: Here is What You Should Know
UnitedHealth is dropping a million seniors from Medicare Advantage as it aims to restore its ‘swagger'
UNH
Published: November 19, 2025 by: Market Watch
Sentiment: Negative

America's largest insurer is making sweeping changes to its Medicare Advantage plans to improve profit margins.

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image for news UnitedHealth is dropping a million seniors from Medicare Advantage as it aims to restore its ‘swagger'
UnitedHealth Group Taps Former FDA Chief And Medicare Advisor To Board
UNH
Published: November 18, 2025 by: Forbes
Sentiment: Positive

UnitedHealth Group Tuesday named former U.S. Food and Drug Administration commissioner Dr. Scott Gottlieb to its board of directors.

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image for news UnitedHealth Group Taps Former FDA Chief And Medicare Advisor To Board
What Could Ignite UNH Stock's Next Major Rally?
UNH
Published: November 18, 2025 by: Forbes
Sentiment: Positive

UnitedHealth stock (NYSE: UNH) has faced significant pressure this year, creating a potential setup for a major rally.

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image for news What Could Ignite UNH Stock's Next Major Rally?
Scott Gottlieb, M.D., Joins UnitedHealth Group Board of Directors
UNH
Published: November 18, 2025 by: Business Wire
Sentiment: Neutral

--(BUSINESS WIRE)--Dr. Scott Gottlieb, former U.S. Food and Drug Administration (FDA) commissioner, is joining UnitedHealth Group's (NYSE: UNH) Board of Directors, effective immediately. Dr. Gottlieb, 53, served as FDA commissioner from 2017 to 2019, where he became known for promoting transparency, strengthening patient safety and widening consumer choice. He led initiatives to modernize regulations to help foster medical innovation, promote competition in the pharmaceutical market, confront t.

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image for news Scott Gottlieb, M.D., Joins UnitedHealth Group Board of Directors
UnitedHealth's Rally Still Has Legs, Further Margin Recovery Through 2027
UNH
Published: November 13, 2025 by: Seeking Alpha
Sentiment: Positive

UNH has highlighted numerous bold strategies with the aim of driving margin recovery through 2027, mostly through raised premiums along with benefit adjustments and targeted plan exits. Despite the potential top-line impact arising from member base contraction, the management already expects these efforts to deliver a more sustainable/ premium member base. This is aided by the recently confirmed four stars award for the 2027 Medicare Advantage plans, allowing them to receive higher annual bonus payments.

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image for news UnitedHealth's Rally Still Has Legs, Further Margin Recovery Through 2027
Warren Buffett Has Been a Net Seller for 3 Years, but He's Buying These 3 Stocks
CVX, POOL, UNH
Published: November 13, 2025 by: 24/7 Wall Street
Sentiment: Neutral

Warren Buffett has taken a highly conservative approach to the stock market in recent years.

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image for news Warren Buffett Has Been a Net Seller for 3 Years, but He's Buying These 3 Stocks
Can UnitedHealth Still Claim The Top Spot?
UNH
Published: November 12, 2025 by: Forbes
Sentiment: Negative

UnitedHealth Group stock (NYSE: UNH) has declined by 7% over the past month. This downturn is attributed to several significant investor concerns, including rising medical costs within its Medicare Advantage plans, ongoing regulatory and legal scrutiny, and margin pressures in the Optum division.

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image for news Can UnitedHealth Still Claim The Top Spot?
2 dividend stocks to turn $100 into $1,000 in 2026
O, UNH
Published: November 12, 2025 by: Finbold
Sentiment: Positive

The ongoing government shutdown is nearing its end, and market optimism is slowly returning as major U.S. indexes climb on renewed hopes for economic stability.

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image for news 2 dividend stocks to turn $100 into $1,000 in 2026
UnitedHealth Group Incorporated (UNH) Presents at UBS Global Healthcare Conference 2025 Transcript
UNH
Published: November 11, 2025 by: Seeking Alpha
Sentiment: Neutral

UnitedHealth Group Incorporated ( UNH ) UBS Global Healthcare Conference 2025 November 10, 2025 8:45 AM EST Company Participants Julie Murphy Wayne DeVeydt - Chief Financial Officer Conference Call Participants Albert Rice - UBS Investment Bank, Research Division Presentation Albert Rice UBS Investment Bank, Research Division All right. I think we're ready to get going.

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image for news UnitedHealth Group Incorporated (UNH) Presents at UBS Global Healthcare Conference 2025 Transcript
UnitedHealth Group Incorporated (UNH) Is a Trending Stock: Facts to Know Before Betting on It
UNH
Published: November 06, 2025 by: Zacks Investment Research
Sentiment: Positive

Recently, Zacks.com users have been paying close attention to UnitedHealth (UNH). This makes it worthwhile to examine what the stock has in store.

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image for news UnitedHealth Group Incorporated (UNH) Is a Trending Stock: Facts to Know Before Betting on It
UnitedHealth's Q3 Beat Isn't Stopping the Bleed: Hold or Fold Now?
UNH
Published: November 05, 2025 by: Zacks Investment Research
Sentiment: Neutral

UNH's Q3 earnings beat couldn't stop a 9.6% stock slide as rising medical costs and margin strain test investor patience.

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image for news UnitedHealth's Q3 Beat Isn't Stopping the Bleed: Hold or Fold Now?
Buy Or Sell United Health Stock?
UNH
Published: November 05, 2025 by: Forbes
Sentiment: Neutral

UnitedHealth (UNH) shares have dropped 10% over the last week and are presently trading at $330.83. We believe there are only a few aspects to be wary of in UNH stock, considering its overall Moderate operating performance and financial health.

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image for news Buy Or Sell United Health Stock?
UnitedHealth: The Market Is Still Worried, And That's Good For Buyers
UNH
Published: November 04, 2025 by: Seeking Alpha
Sentiment: Neutral

UnitedHealth Group is showing solid signs of stabilization after July's capitulation, with Berkshire's investment boosting sentiments and a resilient Q3 performance lending a calming influence. UNH's medical cost ratio improvement and double-digit earnings growth expected by 2027 underpin a positive long-term outlook, despite current margin pressures. Valuation has rebounded near its 10-year average, suggesting near-term consolidation, but 2027 EPS forecasts indicate the opportunity for long-term holders is still nascent.

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image for news UnitedHealth: The Market Is Still Worried, And That's Good For Buyers
UnitedHealth Group Q3: Why Strong Money Holds At $323
UNH
Published: November 03, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth Group remains a buy, supported by recent super-investor accumulation and their holding price. Super-investors, including Berkshire Hathaway and Michael Burry, currently hold UNH shares at $323, or 19.8x FWD P/E. Given the business updates provided in the company's Q3 ER, my risk calculus shows a very skewed risk/return profile at this holding P/E.

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image for news UnitedHealth Group Q3: Why Strong Money Holds At $323
UnitedHealth: A Glimmer Of Future Growth Is Still There
UNH
Published: November 03, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth's Q3 earnings surpassed expectations, breaking a missing streak and signaling a potential operational turnaround under new leadership. UNH's new management, led by returning CEO Stephen Hemsley, is focusing on profitability, cost control, and margin improvement through operational turnaround. Despite anticipated Medicare Advantage membership contraction, strategic repricing and AI investments are poised to enhance future profitability and demand.

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image for news UnitedHealth: A Glimmer Of Future Growth Is Still There
The Richest 0.1% Are Buying These 3 Dividend Stocks Right Now
DHR, UNH, V
Published: October 30, 2025 by: 24/7 Wall Street
Sentiment: Positive

When ultra-rich investors start coalescing into the same names or put an unusually large amount of money into a single stock, that should raise more interest.

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image for news The Richest 0.1% Are Buying These 3 Dividend Stocks Right Now
Here Are Wednesday's Top Wall Street Analyst Research Calls: United Health, SoFi, Skyworks, Energy Transfer and More
ET, SOFI, SWKS, UNH
Published: October 29, 2025 by: 24/7 Wall Street
Sentiment: Positive

The futures are trading higher this morning after another stellar day across Wall Street on Tuesday, as all the major indices once again ended higher and continue to print new all-time highs.

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image for news Here Are Wednesday's Top Wall Street Analyst Research Calls: United Health, SoFi, Skyworks, Energy Transfer and More
UnitedHealth Group's Recovery in Full Swing: Buy While It's Down
UNH
Published: October 29, 2025 by: MarketBeat
Sentiment: Neutral

If UnitedHealth Group's NYSE: UNH stock price implosion was driven by margin, earnings, and capital return concerns, the Q3 results put them to rest.

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image for news UnitedHealth Group's Recovery in Full Swing: Buy While It's Down
UnitedHealth: Strong Long-Term Fundamentals, But Risks Also Exist
UNH
Published: October 29, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth Group has outperformed the S&P 500 since my previous Buy and Strong Buy ratings, delivering 33% and 41% total returns. Following Q3 FY2025 earnings review, UNH remains the most expensive among peers ELV, CNC, and MOH based on valuation multiples. Despite strong long-term fundamentals, current risks include elevated medical costs, potential for lower earnings, and risk of multiple compression.

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image for news UnitedHealth: Strong Long-Term Fundamentals, But Risks Also Exist
UnitedHealth Revenue Rises 12% Amid AI Investments
UNH
Published: October 28, 2025 by: PYMNTS
Sentiment: Positive

UnitedHealth Group says tech investments are key to its ongoing turnaround strategy. The insurer announced quarterly earnings Tuesday (Oct. 28) showing consolidated revenues of $113.2 billion, a 12% increase year over year.

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image for news UnitedHealth Revenue Rises 12% Amid AI Investments
UnitedHealthcare May Lose Two-Thirds Of Obamacare Enrollees After Price Hikes
UNH
Published: October 28, 2025 by: Forbes
Sentiment: Negative

UnitedHealthcare, the nation's largest health insurer, said rate increases of more than 25% and “targeted service area” reductions could reduce its Obamacare customer base by about “two-thirds.”

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image for news UnitedHealthcare May Lose Two-Thirds Of Obamacare Enrollees After Price Hikes

About UnitedHealth Group Incorporated (UNH)

  • IPO Date 1984-10-17
  • Website https://www.unitedhealthgroup.com
  • Industry Medical - Healthcare Plans
  • CEO Stephen J. Hemsley
  • Employees 400000

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals directly through care delivery systems, employers, payers, and government entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.