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

UnitedHealth Q3 Earnings Beat on Rising Commercial Membership
UNH
Published: October 28, 2025 by: Zacks Investment Research
Sentiment: Positive

UNH's Q3 earnings beat estimates on solid commercial membership gains and Optum Rx strength, though profits fall sharply on rising medical costs.

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image for news UnitedHealth Q3 Earnings Beat on Rising Commercial Membership
You Can Spell UnitedHealth Without AI
UNH
Published: October 28, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth delivered a Q3 double beat and raised full-year guidance, signaling improving cost efficiency despite ongoing sector-wide margin pressures. UNH remains undervalued due to sector headwinds and lack of AI narrative, yet its scale, pricing power, and resilient business model offer long-term upside. Optum's restructuring and disciplined capital management position UNH for margin restoration and sustainable growth, with operational gains already visible.

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image for news You Can Spell UnitedHealth Without AI
UnitedHealth: Great News, Finally
UNH
Published: October 28, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth Group Incorporated delivered strong Q3 results, beating both revenue and earnings estimates and raising guidance, signaling a potential turnaround. UNH reported 12% year-over-year revenue growth and a 4% earnings per share beat, reversing a trend of recent estimate misses. The stock has outperformed the market recently, returning 22% in under three months compared to the S&P 500's 7% gain.

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image for news UnitedHealth: Great News, Finally
UnitedHealth's Q3 earnings report shows turnaround efforts are gaining steam
UNH
Published: October 28, 2025 by: Fast Company
Sentiment: Positive

UnitedHealth on Tuesday raised its annual profit forecast and said it aims to grow in 2026, in a sign that the turnaround efforts under new CEO Stephen Hemsley were gaining steam.

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image for news UnitedHealth's Q3 earnings report shows turnaround efforts are gaining steam
UnitedHealth Earnings Top Expectations, as Insurer Works Toward a Turnaround
UNH
Published: October 28, 2025 by: Investopedia
Sentiment: Positive

America's biggest insurer is showing some signs of improvement in the health of its business, after a series of setbacks.

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image for news UnitedHealth Earnings Top Expectations, as Insurer Works Toward a Turnaround
UnitedHealth Group Incorporated (UNH) Q3 2025 Earnings Call Transcript
UNH
Published: October 28, 2025 by: Seeking Alpha
Sentiment: Neutral

UnitedHealth Group Incorporated (NYSE:UNH ) Q3 2025 Earnings Call October 28, 2025 8:00 AM EDT Company Participants Stephen Hemsley - CEO & Non-Independent Non-Executive Chairman Timothy Noel - Chief Executive Officer of UnitedHealthcare Business Patrick Conway - Chief Executive Officer of Optum Rx Wayne DeVeydt - Chief Financial Officer Krista Nelson - Chief Executive Officer of UnitedHealthcare Community & State Sandeep Dadlani - Executive VP and Chief Digital & Technology Officer Robert Hunter Dan Schumacher - President Conference Call Participants Joshua Raskin - Nephron Research LLC Albert Rice - UBS Investment Bank, Research Division Justin Lake - Wolfe Research, LLC …

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image for news UnitedHealth Group Incorporated (UNH) Q3 2025 Earnings Call Transcript
UnitedHealth Boosts Guidance And Eyes Big 2026
UNH
Published: October 28, 2025 by: 24/7 Wall Street
Sentiment: Positive

UnitedHealth beat EPS expectations and raised full-year guidance, signaling early signs of stabilization.

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image for news UnitedHealth Boosts Guidance And Eyes Big 2026
UnitedHealth raises full-year guidance as Q3 earnings beat estimates
UNH
Published: October 28, 2025 by: Proactive Investors
Sentiment: Positive

UnitedHealth Group Inc (NYSE:UNH, ETR:UNH) reported third-quarter revenue and adjusted earnings per share that beat Wall Street expectations, driven by growth in its health benefits and pharmacy services, and raised its full-year guidance. Revenue rose 12% from a year earlier to $113.2 billion, narrowly above analysts' estimate of $113.16 billion.

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image for news UnitedHealth raises full-year guidance as Q3 earnings beat estimates
Insurance Stock Drifts Lower After Revenue Miss
UNH
Published: October 28, 2025 by: Schaeffers Research
Sentiment: Negative

Shares of UnitedHealth Group Inc (NYSE:UNH) were last seen down 0.5% to trade at $364.11, after the company announced third-quarter results of $2.92 per share on $113.2 billion in revenue, the former beating estimates and the latter falling short.

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image for news Insurance Stock Drifts Lower After Revenue Miss
UnitedHealth: Nothing Is Over
UNH
Published: October 28, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth Group Incorporated delivered Q3 revenue of $113.2 billion, up 12.3% year-over-year, slightly ahead of consensus estimates despite ongoing regulatory and cost challenges. UNH's Q3 EPS of $2.92 beat expectations, signaling stabilization, while the medical care ratio remained elevated at 89.9% but in line with forecasts. Management raised 2025 guidance, expecting adjusted EPS of at least $16.25 and total revenues around $447 billion, with Optum Rx as a key growth driver.

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image for news UnitedHealth: Nothing Is Over
UnitedHealth (UNH) Reports Q3 Earnings: What Key Metrics Have to Say
UNH
Published: October 28, 2025 by: Zacks Investment Research
Sentiment: Positive

Although the revenue and EPS for UnitedHealth (UNH) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

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image for news UnitedHealth (UNH) Reports Q3 Earnings: What Key Metrics Have to Say
UnitedHealth Q3: The Falling Knife Has Finally Stopped Falling
UNH
Published: October 28, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth Group Incorporated delivered strong Q3 2025 results, beating expectations, raising guidance, and stabilizing key metrics after a challenging year. UNH's medical care ratio aligned with guidance, revenue grew 12.3% year over year, and both insurance and Optum segments showed solid performance. Investor sentiment has shifted positively, with UNH stock outperforming peers and now trading above average analyst price targets, sparking potential upgrades.

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image for news UnitedHealth Q3: The Falling Knife Has Finally Stopped Falling
United Health Jumps After Big Q3 Earnings
UNH
Published: October 28, 2025 by: 24/7 Wall Street
Sentiment: Negative

EPS beat by $0.10, but operating income plunged 50% year-over-year to $4.3B.

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image for news United Health Jumps After Big Q3 Earnings
UnitedHealth Vs. Centene: Next Week's Q3 Earnings Should Trigger Gains For Both
CNC, UNH
Published: October 24, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth Group Incorporated and Centene Corporation remain heavily discounted after recent selloffs, but are poised for recovery ahead of Q3 earnings. Both UNH and CNC withdrew guidance in 2025 due to rising healthcare utilization and margin pressure, but recent signals suggest stabilization and improving outlooks. CMS's commitment to higher Medicare Advantage rates in 2026 and improving Medicaid margins supports a bullish stance on both stocks.

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image for news UnitedHealth Vs. Centene: Next Week's Q3 Earnings Should Trigger Gains For Both
UnitedHealth Recovers Its Rhythm Before Q3 Earnings: Time to Buy?
UNH
Published: October 24, 2025 by: Zacks Investment Research
Sentiment: Positive

UNH's Q3 results hinge on premium growth and Optum gains amid rising costs and margin pressure.

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image for news UnitedHealth Recovers Its Rhythm Before Q3 Earnings: Time to Buy?
What Analyst Projections for Key Metrics Reveal About UnitedHealth (UNH) Q3 Earnings
UNH
Published: October 23, 2025 by: Zacks Investment Research
Sentiment: Positive

Besides Wall Street's top-and-bottom-line estimates for UnitedHealth (UNH), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended September 2025.

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image for news What Analyst Projections for Key Metrics Reveal About UnitedHealth (UNH) Q3 Earnings
What's Behind The 30% Surge In UNH Stock?
UNH
Published: October 23, 2025 by: Forbes
Sentiment: Positive

UnitedHealth (UNH)'s stock jumped 31% in three months, driven not only by a slight increase in revenue and a high P/E multiple, but also amid mixed signals: a Q2 earnings miss, regulatory scrutiny, and renewed investments in AI. What's behind this volatility?

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image for news What's Behind The 30% Surge In UNH Stock?
UNH vs. HUM: Which Healthcare Stock is the Healthier Buy Now?
HUM, UNH
Published: October 22, 2025 by: Zacks Investment Research
Sentiment: Neutral

Humana's sharper Medicare focus, cost discipline and leaner structure position it ahead of UnitedHealth in the healthcare stock race.

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image for news UNH vs. HUM: Which Healthcare Stock is the Healthier Buy Now?
UnitedHealth: Bargaining Power And Tariff-Driven Generics Could Improve Margins
UNH
Published: October 17, 2025 by: Seeking Alpha
Sentiment: Positive

UnitedHealth: Bargaining Power And Tariff-Driven Generics Could Improve Margins

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image for news UnitedHealth: Bargaining Power And Tariff-Driven Generics Could Improve Margins
Investors Heavily Search UnitedHealth Group Incorporated (UNH): Here is What You Need to Know
UNH
Published: October 16, 2025 by: Zacks Investment Research
Sentiment: Positive

Zacks.com users have recently been watching UnitedHealth (UNH) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.

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image for news Investors Heavily Search UnitedHealth Group Incorporated (UNH): Here is What You Need to Know
Is It Too Late to Buy UnitedHealth Stock?
UNH
Published: October 10, 2025 by: The Motley Fool
Sentiment: Positive

UnitedHealth (UNH -0.10%) shares are up significantly since I upgraded the stock to a buy rating.

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image for news Is It Too Late to Buy UnitedHealth Stock?
Can Digital Workflows at Optum Rx Transform UNH's Patient Experience?
UNH
Published: October 09, 2025 by: Zacks Investment Research
Sentiment: Positive

UnitedHealth drives a digital overhaul at Optum Rx, automating pharmacy workflows to boost efficiency and enrich patient care.

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image for news Can Digital Workflows at Optum Rx Transform UNH's Patient Experience?
UNITEDHEALTH ALERT: Bragar Eagel & Squire, P.C. Continues Investigation into UnitedHealth Group Incorporated on Behalf of Long-Term Stockholders and Encourages Investors to Contact the Firm
UNH
Published: October 08, 2025 by: GlobeNewsWire
Sentiment: Neutral

Bragar Eagel & Squire, P.C. Litigation Partner Brandon Walker Encourages Investors Who Suffered Losses In UnitedHealth (UNH) To Contact Him Directly To Discuss Their Options If you are a long-term stockholder in UnitedHealth between March 14, 2022, and February 27, 2024 and would like to discuss your legal rights, call Bragar Eagel & Squire partner Brandon Walker or Marion Passmore directly at (212) 355-4648.

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image for news UNITEDHEALTH ALERT: Bragar Eagel & Squire, P.C. Continues Investigation into UnitedHealth Group Incorporated on Behalf of Long-Term Stockholders and Encourages Investors to Contact the Firm
The Zacks Analyst Blog Tesla, UnitedHealth, Shopify and Waterstone Financial
SHOP, TSLA, UNH
Published: October 08, 2025 by: Zacks Investment Research
Sentiment: Neutral

Tesla's robotaxi launch, UnitedHealth's cost challenges, and Shopify's AI-driven merchant tools headline Zacks' latest research roundup.

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image for news The Zacks Analyst Blog Tesla, UnitedHealth, Shopify and Waterstone Financial
UnitedHealth's stock has the potential for a nice pop post-earnings: G Squared's Victoria Greene
UNH
Published: October 07, 2025 by: CNBC Television
Sentiment: Positive

Victoria Greene, G Squared Private Wealth, joins 'The Exchange' to discuss which stock could be poised for a bounce around earnings season, the bank Greene is focused on and much more.

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image for news UnitedHealth's stock has the potential for a nice pop post-earnings: G Squared's Victoria Greene
UnitedHealth Jumps 12% in a Month: But is it Healthy Enough to Buy?
UNH
Published: October 07, 2025 by: Zacks Investment Research
Sentiment: Positive

UnitedHealth Group Incorporated UNH has staged a sharp comeback, with shares climbing 12% over the past month, trimming its year-to-date loss to 29.1%. The move marks an outperformance versus both the broader industry's 9.3% gain and the S&P 500 Index's 4% rise during the same period.

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image for news UnitedHealth Jumps 12% in a Month: But is it Healthy Enough to Buy?
Billionaires Are Piling Into United Health Group and These 2 Stocks
BMY, FI, UNH
Published: October 07, 2025 by: 24/7 Wall Street
Sentiment: Neutral

UnitedHealth Group (NYSE:UNH ), Bristol-Myers Squibb (NYSE:BMY) and Fiserv (NYSE:FI) have been getting plenty of attention from big name investors.

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image for news Billionaires Are Piling Into United Health Group and These 2 Stocks
How to trade the health care break out
MCK, MRK, UNH, VEEV, XBI, XLV
Published: October 06, 2025 by: CNBC Television
Sentiment: Positive

The health care sector up 6.5% in one week. The Investment Committee debate how to trade the space.

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image for news How to trade the health care break out
UNH Stock: The $76 Billion Shareholder Powerhouse
UNH
Published: October 06, 2025 by: Forbes
Sentiment: Positive

Over the past decade, UnitedHealth (NYSE: UNH) has delivered a remarkable $76 billion back to its shareholders via cash in the form of dividends and buybacks. Despite facing significant headwinds in 2025, the healthcare giant has demonstrated its resilience with the stock showing recent momentum, gaining 12% over the past month, though it remains down -29% year-to-date due to earlier challenges.

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image for news UNH Stock: The $76 Billion Shareholder Powerhouse
Nesbitt: Economy Remains Strong, Bull Case for UNH, LEVI & VLO
LEVI, UNH, VLO
Published: October 03, 2025 by: Schwab Network
Sentiment: Positive

Don Nesbitt sees the economy staying strong even as cracks in the labor force appear to widen. However, he doesn't see the stock market moving significantly higher given current valuations, nor does Don expect interest rates to add momentum at current levels.

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image for news Nesbitt: Economy Remains Strong, Bull Case for UNH, LEVI & VLO

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.