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UnitedHealth Group Inc UNH

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$424.62 −7.06 (1.64%)
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UnitedHealth Aims to Boost Profits From Current Troughs in Long Run

Julie Utterback

UnitedHealth Group operates a top-tier health insurer (UnitedHealthcare), pharmacy benefit manager (Optum Rx), provider (Optum Health), and health analytics franchise (Optum Insight). Historically, this integrated strategy resulted in some of the best returns in the managed care industry that others have attempted to copy, including CVS Health, which added Aetna's medical insurance assets to its retail stores and PBM, and Cigna, which added Express Scripts' PBM assets to its medical insurance base.

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Price vs Fair Value

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UNH is trading at a LOCK|!&&$&gx premium.
Price
$424.62
Fair Value
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Uncertainty
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1-Star Price
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5-Star Price
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Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

UnitedHealth's strategy of providing medical insurance, pharmacy benefits, and healthcare services should create a powerful alignment of incentives to help clients control their healthcare costs better than pure-play competitors.

Bears

Regulatory scrutiny appears targeted at UnitedHealth, with ongoing antitrust investigations, questions around its risk assessments in Medicare Advantage, and scrutiny of its coverage denial rates in focus.

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Trading Information

Previous Close Price
$431.68
Day Range
$423.65–432.86
52-Week Range
$234.60–434.30
Bid/Ask
$424.20 / $424.70
Shares Outstanding
908.14M
Market Cap
$385.62B
Volume/Avg
4M / 7M

Key Statistics

Price/Earnings (Normalized)
26.21
Price/Sales
0.87
Dividend Yield (Trailing)
2.11%
Dividend Yield (Forward)
2.19%
Total Yield
2.59%

Company Profile

UnitedHealth Group is one of the largest private health insurers and provides medical benefits to about 51 million members globally, including 1 million outside the US as of December 2025. As a leader in employer-sponsored, self-directed, and government-backed insurance plans, UnitedHealth has obtained massive scale in medical insurance. Along with its insurance assets, UnitedHealth's Optum franchises help create a healthcare services colossus that spans everything from pharmaceutical benefits to providing outpatient care and analytics to affiliates and third parties.
Sector
Healthcare
Industry
Healthcare Plans
Stock Style Box
Large Value
Total Number of Employees
390,000
Website
https://www.unitedhealthgroup.com

Competitors

Valuation

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Metric
UNH
CVS
CI
Price/Earnings (Normalized)
 26.2114.769.28
Price/Book Value
 3.971.711.80
Price/Sales
 0.870.330.28
Price/Cash Flow
 22.2510.05—
Price/Earnings
UNH
CVS
CI

Financial Strength

Metric
UNH
CVS
CI
Quick Ratio
 0.720.610.66
Current Ratio
 0.800.870.82
Interest Coverage
 4.682.116.99
Quick Ratio
UNH
CVS
CI

Profitability

Metric
UNH
CVS
CI
Return on Assets (Normalized)
 4.78%3.54%5.34%
Return on Equity (Normalized)
 15.57%11.87%19.96%
Return on Invested Capital (Normalized)
 9.98%7.41%12.83%
Return on Assets
UNH
CVS
CI

Healthcare Plans Industry Comparables

Screen With Investor
1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
CVS Health Corp
CVS
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 Elevance Health Inc
ELV
LOCK|FKpNRt$LOCK|$GjlR$90B
 The Cigna Group
CI
LOCK|@k!CH#LOCK|tsJ?s$78B
 Humana Inc
HUM
LOCK|?$<CMt$LOCK|Ts%!$47B
 Centene Corp
CNC
LOCK|!^Xbr$?LOCK|##$$33B
 Molina Healthcare Inc
MOH
LOCK|G#<h&M&LOCK|snVNn$12B
 Oscar Health Inc Class A
OSCR
—LOCK|>M<$9B
 Alignment Healthcare Inc
ALHC
—LOCK|c$h$4B
 Progyny Inc
PGNY
—LOCK|Pfy$2B

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