UNH - UnitedHealth Group Incorporated

UNH

$314.05 0.14 (-0.04%) Last updated: Apr 16, 2026 00:45

52-Week Range

$314.05

$234.60 $314.05 $594.81

Fundamentals Overview

UnitedHealth Group Incorporated is near the low of its 52-week range with moderate valuation, trading relatively flat today.

Valuation moderate

P/E 23.7 P/B 3.04 P/S 0.64

Intrinsic value (DCF)

-32.7% downside vs price

Profitability

Net margin 2.7%

Risk (Beta)

0.41 — lower vol

Earnings & growth

EPS $13.25 Rev +0% Profit -99.6% vs prior qtr

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Hold — 52% confidence Risk: Lower Volatility — Beta 0.41. Diversify and only invest what you can afford to lose.

Supporting (Buy):

Analyst grade: B+ · Sentiment improving (1 upgrade)

Pressures (Sell):

DCF 32.7% downside vs price · 3M vs S&P 500: -8.5%

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$285.06B

P/E (TTM)

23.7

EPS (TTM)

$13.25

Dividend Yield

2.81%

52-Week Range

$234.60 - $594.81

Volume vs Avg

N/A

Beta

0.41

About

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 prevent...

Sector: Healthcare

Headquarters: US

Employees: 400,000

IPO Date: Oct 1984

Website: www.unitedhealthgroup.com

Beta: 0.41 (Less volatile than market)

Ratings & Grades at a Glance

Overall rating: B+. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 6, Hold: 1, Neutral: 1, Outperform: 11, Overweight: 11.

Financial story & AI narrative

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Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $211.45; current price is $314.05. That’s a -32.7% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	23.7
DCF value (model)	$211.45 (-32.7% vs price)
PEG (TTM)	N/A
P/B (TTM)	3.04
P/S (TTM)	0.64
P/FCF (TTM)	17.73
Liquidity & enterprise
Current Ratio (TTM)	0.79
Quick Ratio (TTM)	0.79
Cash Ratio (TTM)	0.21
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	2.69%
Gross margin (TTM)	18.53%
Operating margin (TTM)	4.24%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for UNH.

Analyst Sentiment at a Glance

B+ Sentiment Improving

Buy 6Hold 1Neutral 1Outperform 11Overweight 11

1 upgrade, 0 downgrades

Price Target Consensus

Current $314.05

Median $380.00

Consensus $380.71

Low consensus $327.00

High consensus $444.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
Bernstein	maintain	Outperform	Outperform	2026-04-07
Raymond James	upgrade	Market Perform	Outperform	2026-04-01
Mizuho	maintain	Outperform	Outperform	2026-02-05
Truist Securities	maintain	Buy	Buy	2026-02-02
JP Morgan	maintain	Overweight	Overweight	2026-02-02
Wells Fargo	maintain	Overweight	Overweight	2026-01-30
Barclays	maintain	Overweight	Overweight	2026-01-30
Leerink Partners	maintain	Outperform	Outperform	2026-01-28
Jefferies	maintain	Buy	Buy	2026-01-28
RBC Capital	maintain	Outperform	Outperform	2026-01-28
Oppenheimer	maintain	Outperform	Outperform	2026-01-28
UBS	maintain	Buy	Buy	2026-01-28
Morgan Stanley	maintain	Overweight	Overweight	2026-01-23
Barclays	maintain	Overweight	Overweight	2026-01-05
TD Cowen	maintain	Hold	Hold	2025-10-30
Bernstein	maintain	Outperform	Outperform	2025-10-30
RBC Capital	maintain	Outperform	Outperform	2025-10-29
UBS	maintain	Buy	Buy	2025-10-29
Piper Sandler	maintain	Overweight	Overweight	2025-10-29
Jefferies	maintain	Buy	Buy	2025-10-17
JP Morgan	maintain	Overweight	Overweight	2025-10-09
Barclays	maintain	Overweight	Overweight	2025-10-09
Mizuho	maintain	Outperform	Outperform	2025-10-09
B of A Securities	maintain	Neutral	Neutral	2025-10-08
Bernstein	maintain	Outperform	Outperform	2025-10-08
Keybanc	maintain	Overweight	Overweight	2025-10-08
Wells Fargo	maintain	Overweight	Overweight	2025-10-07
Morgan Stanley	maintain	Overweight	Overweight	2025-09-12
Truist Securities	maintain	Buy	Buy	2025-09-09
Bernstein	maintain	Outperform	Outperform	2025-09-05