UnitedHealth Group (UNH US)

UNH US$395.72

20 minute delayed

Today ▼ -3.34%

1 year return ▲ 20.74%

Volume 1,550,121

Div yield 2.21%

PE ratio 22.59

52 week range

256.00 461.62

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Performance

Share price activity

Last (Price): 395.72
Change: ▼ -13.66 (-3.34)
Bid / Ask: 395.38 - 395.51
Volume: 1,550,121
Turnover: 183,327,957
Open: 412.40
Day Range: 394.49 - 415.68
VWAP: 405.16
Prev Close: 409.38
Last Trade: 05/11 7:00pm

Key information

Sector: Healthcare
Shares Issued: 897,594,847
NTA/Share: -32.32
Last Dividend: 2.32
Dividend Ex Date: 14 SEP 2026
Dividend Pay Date: 22 SEP 2026

Current (USD) · FY2025

Revenue: 447,567.00
EBITDA: 23,060.00
Profit: 12,056.00
Earnings Per Share (EPS): 13.23
Dividend Per Share (DPS): 8.73
Yield %: 2.21
Market Cap: 354,574.07
Price to Earnings Ratio (P/E): 22.59

Estimates (USD) · FY2027

Revenue: 460,318.94
EBITDA: 24,147.00
Profit: 20,693.21
Earnings Per Share (EPS): 23.34
Dividend Per Share (DPS): 9.53

Quantitative rating

Fairly valued

Economic Moat: Narrow
Financial Health: Moderate
Uncertainty: Low

Morningstar Quantitative Rating as of 4 NOV 2026.

Quantitative Equity Rating Methodology – view here

Fair value estimate

Five-star price 388.09 Fair value 427.28 One-star price 470.43

Morningstar Quantitative Rating as of 4 NOV 2026.

Quantitative valuation

Buy Sell

Fair Value: 427.28
Price / Fair Value: 0.96
Valuation: Fairly valued
Uncertainty: Low

Morningstar Quantitative Rating as of 4 NOV 2026. The slider runs from the five-star price (388.09) to the one-star price (470.43).

Ratios
Currency (Price/reporting): USD/USD
Exchange Rate: 1.0000

Price - closing or last bid	404.44
Price - 12 month high	461.62
Price - 12 month low	256.00
Pricing date	3 NOV 2026
Volume - avg. trading volume for the last ten days	4.67
Market capitalization	366,813.74
12 Month High price date	16 JUL 2026
12 Month Low price date	27 MAR 2026
Volume - avg. trading volume for the last 3 months	5.05
Price - 1 Day % Change	1.00%
Price - 13 week price percent change	-2.63%
Price - 26 week price percent change	9.67%
Price - 5 Day % Change	-1.45%
Price - 52 week price percent change	21.17%
Price - YTD price percent change	21.76%
Price % Change Month To Date	8.75%

EPS excluding extraordinary items - most recent fiscal year	13.230
EPS excluding extraordinary items - trailing 12 month	17.520
EPS Normalized - most recent fiscal year	16.350
Revenue/share - most recent fiscal year	491.292
Revenue/share - trailing 12 month	496.042
Book value per share - most recent fiscal year	103.893
Book value per share - most recent quarter	109.482
Book value (tangible) per share - most recent fiscal year	-32.318
Book value (tangible) per share - most recent quarter	-31.033
Cash per share - most recent fiscal year	26.898
Cash per share - most recent quarter	28.845
Cash Flow per share - most recent fiscal year	19.116
Cash Flow per share - trailing 12 month	24.670
Dividend per share - most recent fiscal year	8.730
Dividends per share - trailing 12 month	9.060
EBITD per share - trailing 12 month	30.720
EPS Basic excluding extraordinary items - most recent fiscal year	13.280
EPS Basic excluding extraordinary items - trailing 12 month	17.590
EPS including extraordinary items - most recent fiscal year	13.280
EPS including extraordinary items - trailing 12 month	17.590
Free Cash Flow per share - trailing 12 month	20.953

P/E excluding extraordinary items, most recent fiscal year	23.37
P/E Normalized, most recent fiscal year	20.06
Price to sales - most recent fiscal year	0.83
Price to Tangible Book - most fiscal year	—
Price to Free Cash Flow per Share - most recent fiscal year	19.54
Price to Cash Flow per share - trailing 12 month	16.59
Price to Book - most recent fiscal year	3.74
P/E excluding extraordinary items high, trailing 12 months	32.93
P/E excluding extraordinary items low, trailing 12 months	16.11
Net Debt, LFI	45,782.00
Net Debt, LFY	50,268.00
Dividend Yield - 5 Year Average	1.55%
Dividend Yield - indicated annual dividend divided by closing price	2.26%
Current Dividend Yield - Common Stock Primary Issue, LTM	2.21%

Free Cash Flow - most recent fiscal year	13,793.00
LT debt/equity - most recent fiscal year	71.11%
Payout ratio - most recent fiscal year	65.99%
Total debt/total equity - most recent fiscal year	77.08%
LT debt/equity - most recent quarter	65.10%
Total debt/total equity - most recent quarter	70.43%
Free Cash Flow - trailing 12 month	18,994.00
Payout ratio - trailing 12 month	51.74%

Revenue - most recent fiscal year	447,567.00
Revenue - trailing 12 month	449,662.00
EBITD - most recent fiscal year	23,060.00
EBITD - trailing 12 month	27,848.00
Earnings before taxes - most recent fiscal year	14,697.00
Earnings before taxes - trailing 12 month	19,735.00
Net Income available to common - most recent fiscal year	12,056.00
Net Income available to common - trailing 12 months	15,884.00
Earnings before taxes Normalized - most recent fiscal year	15,933.00
Net Income Available to Common, Normalized - most recent fiscal year	14,897.00
Earnings per Share, Normalized, Excluding Extraordinary Items, Avg. Diluted Shares Outstanding, TTM	20.41

Net Profit Margin % - 1st historical fiscal year	2.86%
Net Profit Margin % - trailing 12 month	3.71%
Operating margin - 1st historical fiscal year	4.24%
Operating margin - trailing 12 month	5.32%
Pretax margin - trailing 12 month	4.39%
Pretax margin - 1st historical fiscal year	3.28%
Operating Margin - 5 year average	7.62%
Pretax Margin - 5 year average	6.40%
Free Operating Cash Flow/Revenue, 5 Year Average	5.48%
Free Operating Cash Flow/Revenue, TTM	4.22%
Net Profit Margin - 5 year average	5.09%

Return on average assets - most recent fiscal year	4.15%
Return on average assets - trailing 12 month	5.34%
Return on average equity - most recent fiscal year	13.56%
Return on average equity - trailing 12 month	17.21%
Return on average assets - 5 year average	6.93%
Return on average equity - 5 year average	22.15%
Net Income/employee - most recent fiscal year	32,838.46
Revenue/employee - most recent fiscal year	1,147,607.69

Revenue growth rate, 5 year	11.72%
EPS growth rate, 5 year	-3.77%
Growth rate% - dividend, 3 year	10.90%
Revenue/share (5 yr growth)	12.92%
Growth rate% - Revenue, 3 year	11.35%
Growth rate% - EPS, 3 year	-14.52%
Book value per share growth rate, 5 year	8.46%
Capital Spending growth rate, 5 year	12.05%
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR	-1.83%

Financial forecast (USD, millions except per share)

	Actuals	Estimates
	2025	2026	2027	2028	2029

Financials (USD, millions)

Period end:	DEC 21	DEC 22	DEC 23	DEC 24	DEC 25
Fiscal year:	2021	2022	2023	2024	2025
Period length:	12 months	12 months	12 months	12 months	12 months

Announcements

Announcements are available for ASX-listed companies only.

Opinion

17/04/2024 09:39

United Health Group Inc (UNH US) $US468.89

This morning, we examined UNH after its quarterly revenue beat expectations overnight, helping the stock jump over +5%. This is an impressive performance, considering the business is still dealing with the cyberattack on its subsidiary Change Healthcare. UNH reported revenue of revenue growth of 8.6% on the same period last year while the company's adjusted earnings of $7.16 per share was a decent beat of the $6.61 expected by analysts, according to LSEG. UNH said the total impact from the cyberattack in the first quarter was 74 cents per share, and it expects the full-year impact to be between $1.15 and $1.35 per share; this has become a huge issue for companies on a global scale.

Business Summary

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.