UNH - UnitedHealth Group Incorporated

UNH

$425.19 3.90 (-0.91%) Last updated: Jul 15, 2026 06:07

52-Week Range

$425.19

$234.60 $425.19 $434.30

Fundamentals Overview

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

Valuation premium

P/E 32.1 P/B 3.72 P/S 0.86

Intrinsic value (DCF)

-35.7% downside vs price

Profitability

Net margin 2.7%

Risk (Beta)

0.63 — lower vol

Earnings & growth

EPS $13.24 Rev -1.3% Profit +62700% 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 — 61% confidence Risk: Lower Volatility — Beta 0.63. Diversify and only invest what you can afford to lose.

Supporting (Buy):

Analyst grade: B · Sentiment improving (3 upgrades) · 3M vs S&P 500: +26.3% · 3M vs Healthcare sector: +28.9%

Pressures (Sell):

DCF 35.7% downside vs price

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

Key Stats

Market Cap

$386.13B

P/E (TTM)

32.13

EPS (TTM)

$13.24

Dividend Yield

2.1%

52-Week Range

$234.60 - $434.30

Volume vs Avg

N/A

Beta

0.63

About

UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individ...

Sector: Healthcare

Headquarters: US

Employees: 390,000

IPO Date: Oct 1984

Website: www.unitedhealthgroup.com

Beta: 0.63 (Less volatile than market)

Ratings & Grades at a Glance

Overall rating: B. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 7, Hold: 2, Outperform: 11, Overweight: 9, Underperform: 1.

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 $273.35; current price is $425.19. That’s a -35.7% 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)	32.13
DCF value (model)	$273.35 (-35.7% vs price)
PEG (TTM)	N/A
P/B (TTM)	3.72
P/S (TTM)	0.86
P/FCF (TTM)	19.63
Liquidity & enterprise
Current Ratio (TTM)	0.8
Quick Ratio (TTM)	0.8
Cash Ratio (TTM)	0.25
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	2.68%
Gross margin (TTM)	18.8%
Operating margin (TTM)	4.19%
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 7Hold 2Outperform 11Overweight 9Underperform 1

3 upgrades, 0 downgrades

Price Target Consensus

Current $425.19

Median $461.00

Consensus $445.94

Low consensus $373.00

High consensus $492.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
RBC Capital	maintain	Outperform	Outperform	2026-07-09
HSBC	maintain	Hold	Hold	2026-07-06
Morgan Stanley	maintain	Overweight	Overweight	2026-06-30
B of A Securities	maintain	Buy	Buy	2026-06-24
Leerink Partners	maintain	Outperform	Outperform	2026-06-17
JP Morgan	maintain	Overweight	Overweight	2026-06-08
Mizuho	maintain	Outperform	Outperform	2026-06-08
B of A Securities	upgrade	Neutral	Buy	2026-06-04
Morgan Stanley	maintain	Overweight	Overweight	2026-06-04
Truist Securities	maintain	Buy	Buy	2026-06-01
Bernstein	maintain	Outperform	Outperform	2026-05-27
Barclays	maintain	Overweight	Overweight	2026-05-26
UBS	maintain	Buy	Buy	2026-05-22
Mizuho	maintain	Outperform	Outperform	2026-05-20
JP Morgan	maintain	Overweight	Overweight	2026-04-28
TD Cowen	maintain	Hold	Hold	2026-04-23
Oppenheimer	maintain	Outperform	Outperform	2026-04-22
Barclays	maintain	Overweight	Overweight	2026-04-22
Argus Research	upgrade	Hold	Buy	2026-04-22
Baird	maintain	Underperform	Underperform	2026-04-22
Leerink Partners	maintain	Outperform	Outperform	2026-04-22
Truist Securities	maintain	Buy	Buy	2026-04-22
RBC Capital	maintain	Outperform	Outperform	2026-04-22
Wells Fargo	maintain	Overweight	Overweight	2026-04-22
Morgan Stanley	maintain	Overweight	Overweight	2026-04-22
Jefferies	maintain	Buy	Buy	2026-04-20
Bernstein	maintain	Outperform	Outperform	2026-04-07
Raymond James	upgrade	Market Perform	Outperform	2026-04-01
Mizuho	maintain	Outperform	Outperform	2026-02-05
JP Morgan	maintain	Overweight	Overweight	2026-02-02