UnitedHealth Group

UNH | NYSE

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$406.97

-$3.94 (-0.96%)

At close: Oct 30, 2026, 4:00 PM ET

$406.42

-$0.55 (-0.14%)

Pre-market: Nov 2, 2026, 8:18 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $365.29B

Enterprise Value $411.08B

Beta 0.62

Average Volume 5.24M

Shares Outstanding (Diluted) 902M

Shares Change YoY -1.1%

Institutional Ownership 88.52%

Exchange NYSE

ISIN US91324P1021

Price Performance

Price Change 1M 10.9%

Price Change 3M -1.8%

Price Change 6M 10.4%

Price Change YTD 23.3%

Price Change 1Y 19.1%

Price Change 3Y -24.0%

Price Change 5Y -11.6%

1M CAGR (ann.) 8.0%

1Y CAGR (ann.) 17.6%

5Y CAGR (ann.) -0.2%

All-Time CAGR 13.2%

Valuation

PE Ratio 23.23

Forward PE 17.60

PEG Ratio -2.60

Forward PEG 0.89

PS Ratio 0.81

Forward PS 0.80

PB Ratio 3.51

P/FCF Ratio 16.00

P/Adj. FCF Ratio 16.75

P/OCF Ratio 14.01

EV/Sales 0.91

EV/EBIT 17.32

EV/EBITDA 14.69

EV/FCF 18.01

Earnings Yield 4.3%

FCF Yield 6.3%

Adj. FCF Yield 6.0%

Financial Health

Net Debt $45.78B

Total Debt $74.33B

Cash & Short-Term Investments $28.55B

Total Assets $312.78B

Current Ratio 0.74

Quick Ratio 0.74

Debt / Equity Ratio 0.71

Debt / EBITDA 2.66

Debt / FCF 3.26

OCF / Debt 0.35

Interest Coverage 6.21

Altman Z-Score 2.63

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 22.8%

Operating Profit Margin 5.3%

EBITDA Margin 6.2%

Net Profit Margin 3.5%

FCF Margin 5.1%

Adj. FCF Margin 4.8%

SBC / Revenue 0.2%

SBC Impact (per share) -4.5%

Returns

Return on Assets 5.1%

Return on Equity 16.1%

Return on Invested Capital 10.0%

Return on Capital Employed 12.2%

Return on Tangible Assets 5.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 7.7%

Revenue CAGR 5Y 10.0%

Revenue CAGR 10Y 9.5%

EPS CAGR 3Y -8.7%

EPS CAGR 5Y 1.7%

EPS CAGR 10Y 10.0%

FCF CAGR 3Y -4.8%

FCF CAGR 5Y -0.1%

FCF CAGR 10Y 5.8%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 20

EPS Growth Next 3Y 21.4%

Revenue Growth Next 3Y 4.3%

Earnings Date Jan 20, 2027

EPS Estimate (next Q) $2.28

EPS Growth Est (next Q) 8.1%

Revenue Est (next Q) $112.26B

Revenue Growth Est (next Q) -0.8%

Fair Value Estimates

Graham Number $214.77

Graham Upside -47.2%

Lynch Fair Value $87.60

Lynch Upside -78.5%

Price Target $476.50

Price Target Upside 17.1%

Cash Flow

Operating Cash Flow $26.2B

Free Cash Flow $22.83B

Adj. Free Cash Flow $21.81B

FCF Per Share $25.31

OCF Per Share $29.04

OCF/S Ratio 5.8%

Income Statement

Revenue $449.66B

Gross Profit $102.58B

Operating Income $23.92B

EBITDA $27.99B

Net Income $15.88B

EPS (Diluted) $17.52

Revenue / Employee $1.15M

Profit / Employee $40.73K

Employees 390,000

Dividends

Annual Dividend $9.06

Dividend Yield 2.23%

Payout Ratio 51.7%

FCF Payout Ratio 35.8%

Adj. FCF Payout Ratio 37.5%

Dividend Growth (YoY) 5.1%

Pay Frequency Quarterly

Ex-Dividend Date Sep 14, 2026