Stock AnalizUnitedHealth Group Inc. UNH
Medical Specialities · data as of November 13, 2026
UnitedHealth Group Inc. (UNH) is a healthcare company listed in the US with a market value of about $365.1B. In the twelve months to September 30, 2026 it had revenue of $449.7B and net income of $15.9B, a net margin of 3.5%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is financial health (1/5).
Key numbers: a P/E of 23.3, a price to free cash flow of 16.0, 5-year revenue growth of 12% a year, a 5-year average ROIC of 14%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 1% above the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Checks not passed
- PEG below 1.5
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- ROE above 15%
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $449.7B | $447.6B | $400.3B | $371.6B | $324.2B | $287.6B | $257.1B | $242.2B | $226.2B | $201.2B | $184.8B |
| Net income | $15.9B | $12.1B | $14.4B | $22.4B | $20.1B | $17.3B | $15.4B | $13.8B | $12.0B | $10.6B | $7.0B |
| Free cash flow | $22.8B | $16.1B | $20.7B | $25.7B | $23.4B | $19.9B | $20.1B | $16.4B | $13.7B | $11.6B | $8.1B |
| EPS (diluted) | $17.52 | $13.23 | $15.51 | $23.86 | $21.18 | $18.08 | $16.03 | $14.33 | $12.19 | $10.72 | $7.25 |
| Net margin | 3.5% | 2.7% | 3.6% | 6.0% | 6.2% | 6.0% | 6.0% | 5.7% | 5.3% | 5.2% | 3.8% |
| ROIC | — | 9.0% | 13.6% | 15.9% | 15.5% | 15.7% | 15.2% | 14.8% | 14.7% | 14.4% | 10.8% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 25 analysts is $476.16, 17% above the current price; targets range from $380.00 to $531.00; the consensus rating is “Buy”; expected EPS is $20.52 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is UnitedHealth Group’s P/E ratio?
About 23.3, based on the last twelve months of diluted earnings per share (forward P/E about 18.4).
Is UnitedHealth Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 1% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does UnitedHealth Group pay a dividend?
Yes. The dividend yield is about 2.28%, and it has paid dividends for 10 years in our data.
Is UnitedHealth Group a good stock to buy?
We do not give buy or sell advice. UnitedHealth Group scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.