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UnitedHealth Group Inc (UNH.NE)

CAD19.38 -0.30 (-1.52%)
CA NEO Healthcare Medical - Healthcare Plans
Address UnitedHealth Group Center 55343
Eden Prairie, CA
CEO Stephen J. Hemsley
Website unitedhealthgroup.com
IPO 2022-07-26
ISIN CA91324M1095

Explore sections of this company profile

Also trades on Buenos Aires Stock Exchange · UNH.BA (ARS) CBOE CA · UNH.NE (CAD) Deutsche Börse · UNH.DE (EUR) New York Stock Exchange · UNH (USD)
Description

UnitedHealth Group Incorporated is a broad-based healthcare enterprise operating within the United States. Established in Minnetonka, Minnesota, in 1974, the company delivers its wide array of services through four distinct divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare division delivers a spectrum of health benefit plans and related services designed for various client types, including large corporations, government entities, small to medium-sized businesses, and individuals. Its offerings encompass specialized care for seniors (aged 50 and above), comprehensive Medicaid programs, children's health coverage, and essential health and dental benefits, alongside hospital and clinical services, often tailored for state-sponsored programs aiding vulnerable populations, including the economically disadvantaged, medically underserved, and those lacking employer-sponsored coverage. Optum Health focuses on providing integrated health and wellness solutions. This segment offers direct care delivery, comprehensive care management, proactive wellness initiatives, consumer engagement tools, and financial services for health. Its clientele spans individual patients, healthcare providers, delivery systems, employers, insurance payers, and government bodies. Optum Insight serves the healthcare industry with analytical and technological solutions. It provides cutting-edge software, valuable information products, strategic advisory consulting, and outsourced managed services. Its clients include hospital networks, medical professionals, health insurers, governmental organizations, biotechnology firms, and other related enterprises. Optum Rx manages pharmacy benefit services, encompassing a wide range of offerings. These include establishing retail pharmacy networks, offering convenient home delivery and specialized pharmacy options, infusion services, and leveraging strong purchasing power with advanced clinical expertise. Furthermore, this segment develops and implements critical programs in areas such as step therapy, formulary management, medication adherence, and disease-specific drug therapy management.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CAD19.38 -0.30 (-1.52%)
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Volume Profile
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Liquidity & share structure
Average Volume
251.8K
Beta
0.43
Float Shares
897.98M
Free Float %
3.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.91% -0.85% +2.29% +28.59% +13.68% +13.68% +21.26% -26.22% -33.22% -33.22% -33.22%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
19.38
DCF (Unlevered) 2,770.51 +14,195.7%
DCF (Levered) 2,801.13 +14,353.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
2.81
Grey zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
6 / 10
Developing
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
5 / 5
High
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Medical - Healthcare Plans: +11.8%
    +13.8% ★ Q1'26: +0.3% (vs Q1'25)
  • ✗
    EPS growth Medical - Healthcare Plans: -1.4%
    -13.2% Q1'26: -0.9% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Medical - Healthcare Plans: +15.1%
    +3.5% Q1'26: +7.3% (vs Q1'25)
  • ✗
    EBIT margin Medical - Healthcare Plans: +3.3%
    +4.2% ★ Q1'26: +8.0% (vs Q1'25)
  • ✗
    ROIC Medical - Healthcare Plans: +6.7%
    +10.9% ★ Q1'26: +18.8% (vs Q1'25)
  • ✓
    Share dilution Medical - Healthcare Plans: +2.1%
    -31.9% ★ Q1'26: -31.1% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Medical - Healthcare Plans: 0.93×
    3.33× Q1'26: 1.99× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.43) × ERP
WACC = 13% × Ke + 87% × Kd (5.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 2,770.51 Current price: 19.38
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
23 Rev. Ana.
1 EPS Ana. 		Dec 2027
20 Rev. Ana.
1 EPS Ana. 		Dec 2028
14 Rev. Ana.
1 EPS Ana. 		Dec 2029
11 Rev. Ana.
1 EPS Ana.
Revenue
184.00B
est: 183.20B (+0.4%)
200.14B
est: 197.60B (+1.3%)
224.87B
est: 226.17B (-0.6%)
240.27B
est: 235.71B (+1.9%)
255.64B
est: 326.70B (-21.8%)
255.64B
est: 255.92B (-0.1%)
285.27B
est: 362.69B (-21.3%)
285.27B
est: 284.43B (+0.3%)
322.13B
est: 439.04B (-26.6%)
322.13B
est: 327.21B (-1.6%)
371.62B
est: 368.37B (+0.9%)
400.28B
est: 400.99B (-0.2%)
455.40B
est: 446.71B (+1.9%)
466.11B
435.36B – 485.66B
+4.3% YoY
495.88B
463.17B – 516.68B
+6.4% YoY
534.29B
499.04B – 556.70B
+7.7% YoY
588.38B
549.57B – 613.06B
+10.1% YoY
EBITDA
14.99B
est: 15.14B (-1.0%)
17.45B
est: 16.33B (+6.9%)
19.77B
est: 18.69B (+5.8%)
22.41B
est: 19.48B (+15.0%)
25.30B
est: 30.09B (-15.9%)
25.30B
est: 21.15B (+19.6%)
27.07B
est: 33.41B (-19.0%)
27.07B
est: 23.50B (+15.2%)
31.84B
est: 40.44B (-21.3%)
31.84B
est: 27.04B (+17.7%)
36.33B
est: 30.44B (+19.4%)
28.08B
est: 33.13B (-15.3%)
23.46B
est: 36.91B (-36.4%)
38.51B
35.97B – 40.13B
+4.3% YoY
40.98B
38.27B – 42.69B
+6.4% YoY
44.15B
41.24B – 46.00B
+7.7% YoY
48.62B
45.41B – 50.66B
+10.1% YoY
EBIT
12.93B
est: 13.23B (-2.3%)
15.21B
est: 14.27B (+6.6%)
17.34B
est: 16.33B (+6.2%)
19.69B
est: 17.02B (+15.7%)
22.41B
est: 26.59B (-15.7%)
22.41B
est: 18.48B (+21.2%)
23.97B
est: 29.52B (-18.8%)
23.97B
est: 20.54B (+16.7%)
28.44B
est: 35.73B (-20.4%)
28.44B
est: 23.63B (+20.3%)
32.36B
est: 26.60B (+21.6%)
23.98B
est: 28.96B (-17.2%)
19.03B
est: 32.26B (-41.0%)
33.66B
31.44B – 35.07B
+4.3% YoY
35.81B
33.45B – 37.31B
+6.4% YoY
38.58B
36.04B – 40.20B
+7.7% YoY
42.49B
39.68B – 44.27B
+10.1% YoY
Net Income
7.24B
est: 7.24B (-0.1%)
10.56B
est: 8.98B (+17.6%)
11.99B
est: 11.70B (+2.5%)
13.84B
est: 13.30B (+4.1%)
15.40B
est: 28.51B (-46.0%)
15.40B
est: 15.22B (+1.2%)
17.29B
est: 31.86B (-45.7%)
17.29B
est: 17.03B (+1.5%)
20.12B
est: 39.91B (-49.6%)
20.12B
est: 20.27B (-0.7%)
22.38B
est: 22.69B (-1.4%)
14.41B
est: 25.15B (-42.7%)
12.27B
est: 19.96B (-38.6%)
22.71B
20.76B – 23.94B
+13.7% YoY
26.10B
23.86B – 27.53B
+15.0% YoY
32.15B
29.39B – 33.90B
+23.2% YoY
36.41B
33.29B – 38.40B
+13.2% YoY
SGA
28.40B
est: 38.98B (-27.1%)
29.56B
est: 42.04B (-29.7%)
34.07B
est: 48.12B (-29.2%)
35.19B
est: 50.15B (-29.8%)
41.70B
est: 80.17B (-48.0%)
41.70B
est: 54.45B (-23.4%)
42.58B
est: 89.00B (-52.2%)
42.58B
est: 60.52B (-29.6%)
47.78B
est: 107.74B (-55.7%)
47.78B
est: 69.62B (-31.4%)
284.75B
est: 78.38B (+263.3%)
—
est: 85.32B (-100.0%)
—
est: 95.04B (-100.0%)
99.17B
92.63B – 103.33B
+4.3% YoY
105.51B
98.55B – 109.93B
+6.4% YoY
113.68B
106.18B – 118.45B
+7.7% YoY
125.19B
116.93B – 130.44B
+10.1% YoY
EPS
7.31
est: 7.95 (-8.1%)
10.79
est: 9.86 (+9.5%)
12.48
est: 12.84 (-2.8%)
14.17
est: 14.60 (-2.9%)
16.20
est: 21.33 (-24.0%)
16.20
est: 16.71 (-3.0%)
18.18
est: 23.83 (-23.7%)
18.18
est: 18.69 (-2.7%)
21.47
est: 29.85 (-28.1%)
21.47
est: 22.25 (-3.5%)
24.07
est: 24.91 (-3.4%)
15.64
est: 27.61 (-43.3%)
13.51
est: 21.92 (-38.4%)
24.92
22.79 – 26.28
+13.7% YoY
28.65
26.20 – 30.22
+15.0% YoY
35.29
32.27 – 37.22
+23.2% YoY
39.97
36.54 – 42.15
+13.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-27 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-26 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-22 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-21 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-20 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-19 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-15 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-14 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-13 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-12 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-11 A 4/5 5/5 4/5 4/5 1/5 3/5 5/5
2026-05-08 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-05-07 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-05-06 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-05-05 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-05-04 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-05-01 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-04-30 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-04-29 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-04-28 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-04-27 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-04-24 B 3/5 5/5 1/5 4/5 1/5 4/5 1/5
2026-04-23 A+ 4/5 5/5 4/5 5/5 1/5 4/5 5/5
2026-04-22 A+ 4/5 5/5 4/5 5/5 1/5 4/5 5/5
2026-04-21 A+ 4/5 5/5 4/5 5/5 1/5 4/5 5/5
2026-04-20 A+ 4/5 5/5 4/5 5/5 1/5 4/5 5/5
2026-04-17 A 4/5 5/5 4/5 5/5 1/5 3/5 5/5
2026-04-16 A 4/5 5/5 4/5 5/5 1/5 3/5 5/5
2026-04-15 A 4/5 5/5 4/5 5/5 1/5 3/5 5/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
20.54B
OE per share TTM
21.22
Owner's Yield
129.36%
Maintenance CapEx ratio
12.03%
Maint CapEx / Avg PPE
2.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
47.6K
Shares Outstanding
25.98B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Heather Rachelle Cianfrocco EVice President of Governance, Compliance & Information Security 5M female
Christopher R. Zaetta Executive Vice President, Chief Legal Officer & Corporate Secretary 3M male
Erin L. McSweeney Executive Vice President & Chief People Officer 2M female
Stephen J. Hemsley Chief Executive Officer & Non-Independent Non-Executive Chairman 392.8K male
Sandeep Dadlani Executive Vice President and Chief Digital & Technology Officer — male
Richard J. Migliori Executive Vice President & Senior Advisor — —
Terry Clark Executive Vice President & Chief Marketing Officer — male
Thomas Edward Roos Senior Vice President & Chief Accounting Officer — male
Wayne Scott DeVeydt Chief Financial Officer — male
Zachary William Sopcak Senior Vice President of Capital Markets Communications & Investor Relations — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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