Symbols / UNH
UNH Chart
About
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. The company 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 health and well-being services to individuals age 50 and older; Medicaid plans, children's health insurance and health care programs; and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
Fundamentals
Scroll to Statements| Sector | Healthcare | Industry | Healthcare Plans | Market Cap | 248.15B |
| Enterprise Value | 301.17B | Income | 12.06B | Sales | 447.57B |
| Book/sh | 109.99 | Cash/sh | 30.90 | Dividend Yield | 3.23% |
| Payout | 65.99% | Employees | — | IPO | — |
| P/E | 20.71 | Forward P/E | 13.68 | PEG | — |
| P/S | 0.55 | P/B | 2.49 | P/C | — |
| EV/EBITDA | 12.91 | EV/Sales | 0.67 | Quick Ratio | 0.45 |
| Current Ratio | 0.79 | Debt/Eq | 77.08 | LT Debt/Eq | — |
| EPS (ttm) | 13.23 | EPS next Y | 20.03 | EPS Growth | -99.80% |
| Revenue Growth | 12.30% | Earnings | 2026-04-16 | ROA | 3.90% |
| ROE | 12.54% | ROIC | — | Gross Margin | 18.53% |
| Oper. Margin | 0.34% | Profit Margin | 2.69% | Shs Outstand | 905.84M |
| Shs Float | 902.33M | Short Float | 1.56% | Short Ratio | 1.29 |
| Short Interest | — | 52W High | 606.36 | 52W Low | 234.60 |
| Beta | 0.41 | Avg Volume | 8.66M | Volume | 8.58M |
| Target Price | $364.62 | Recom | None | Prev Close | $282.34 |
| Price | $273.95 | Change | -2.97% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$364.63
Mean price target
2. Current target
$273.95
Latest analyst target
3. DCF / Fair value
$316.53
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$273.95
Low
$255.00
High
$440.00
Mean
$364.63
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-05 | main | Mizuho | Outperform → Outperform | $350 |
| 2026-02-02 | main | Truist Securities | Buy → Buy | $370 |
| 2026-02-02 | main | JP Morgan | Overweight → Overweight | $389 |
| 2026-01-30 | main | Barclays | Overweight → Overweight | $327 |
| 2026-01-30 | main | Wells Fargo | Overweight → Overweight | $370 |
| 2026-01-28 | main | Jefferies | Buy → Buy | $340 |
| 2026-01-28 | main | Leerink Partners | Outperform → Outperform | $345 |
| 2026-01-28 | main | RBC Capital | Outperform → Outperform | $361 |
| 2026-01-28 | main | Oppenheimer | Outperform → Outperform | $385 |
| 2026-01-28 | main | UBS | Buy → Buy | $410 |
| 2026-01-23 | main | Morgan Stanley | Overweight → Overweight | $409 |
| 2026-01-05 | main | Barclays | Overweight → Overweight | $391 |
| 2025-10-30 | main | TD Cowen | Hold → Hold | $338 |
| 2025-10-30 | main | Bernstein | Outperform → Outperform | $440 |
| 2025-10-29 | main | UBS | Buy → Buy | $430 |
| 2025-10-29 | main | RBC Capital | Outperform → Outperform | $408 |
| 2025-10-29 | main | Piper Sandler | Overweight → Overweight | $417 |
| 2025-10-17 | main | Jefferies | Buy → Buy | $409 |
| 2025-10-14 | init | Goldman Sachs | — → Buy | $406 |
| 2025-10-09 | main | JP Morgan | Overweight → Overweight | $425 |
News
RSS: Latest UNH news- UnitedHealth Group Stock (UNH) Opinions on Medicare Advantage Rate Proposals - Quiver Quantitative ue, 24 Feb 2026 14
- Is 23.1% Fall In UnitedHealth (UNH) Stock A Buying Opportunity? - Trefis Wed, 25 Feb 2026 05
- Is There More Downside To UNH Stock? - Forbes hu, 12 Feb 2026 08
- Nasdaq, S&P 500 Futures Subdued Ahead Of Nvidia Earnings: Why WBD, NFLX, UNH, LCID, WULF Are On Traders' Radar Today - Stocktwits Wed, 25 Feb 2026 09
- Is UnitedHealth Stock Underperforming the Dow? - Barchart.com ue, 24 Feb 2026 15
- UNH Stock: How UnitedHealth’s Comeback Ran Aground - Barron's Wed, 04 Feb 2026 08
- UnitedHealth Group Just Received More Bad News. Here's What Investors Should Know. - The Motley Fool Wed, 04 Feb 2026 08
- UnitedHealth Stock Has Fallen 23%, Time to Enter? - Trefis Wed, 25 Feb 2026 06
- UnitedHealth Group (UNH) Stock Analysis: An Insight Into Its 25.73% Upside Potential - DirectorsTalk Interviews Mon, 23 Feb 2026 20
- UNH Stock Today: February 23 — Weak 2026 Outlook Spurs Target Cuts - Meyka Mon, 23 Feb 2026 23
- Is It Time To Reassess UnitedHealth Group (UNH) After A 36% One Year Share Price Fall - simplywall.st Mon, 23 Feb 2026 05
- UnitedHealthcare Under Pressure: Can UNH's Core Business Rebound? - The Globe and Mail ue, 24 Feb 2026 14
- A Look At UnitedHealth Group’s Valuation After Prolonged Share Price Weakness - Yahoo Finance ue, 24 Feb 2026 02
- Can UNH Stock Surge Again? - Forbes Fri, 06 Feb 2026 08
- Dow, S&P 500, Nasdaq Futures Edge Higher During Trump’s SOTU Address: Why IBRX, NVDA, CAVA, UNH, WULF Are Trending - Stocktwits Wed, 25 Feb 2026 04
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 279 | — | — | Stock Award(Grant) at price 0.00 per share. | BAKER CHARLES D | Director | — | 2026-01-02 00:00:00 | D |
| 1 | 285 | — | — | Stock Award(Grant) at price 0.00 per share. | FLYNN TIMOTHY PATRICK | Director | — | 2026-01-02 00:00:00 | D |
| 2 | 168 | — | — | Stock Award(Grant) at price 0.00 per share. | HOOPER MICHELE J. | Director | — | 2026-01-02 00:00:00 | D |
| 3 | 125 | — | — | Stock Award(Grant) at price 0.00 per share. | GOTTLIEB SCOTT | Director | — | 2026-01-02 00:00:00 | D |
| 4 | 280 | — | — | Stock Award(Grant) at price 0.00 per share. | GARCIA PAUL REU | Director | — | 2026-01-02 00:00:00 | D |
| 5 | 261 | — | — | Stock Award(Grant) at price 0.00 per share. | NOSEWORTHY JOHN H | Director | — | 2026-01-02 00:00:00 | D |
| 6 | 279 | — | — | Stock Award(Grant) at price 0.00 per share. | MONTGOMERY RICE VALERIE C | Director | — | 2026-01-02 00:00:00 | D |
| 7 | 168 | — | — | Stock Award(Grant) at price 0.00 per share. | GIL KRISTEN | Director | — | 2026-01-02 00:00:00 | D |
| 8 | 316 | — | — | Stock Award(Grant) at price 0.00 per share. | MCNABB FREDERICK WILLIAM III | Director | — | 2026-01-02 00:00:00 | D |
| 9 | 55000 | — | — | Stock Gift at price 0.00 per share. | HEMSLEY STEPHEN J | Chief Executive Officer | — | 2025-12-19 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | -2.00B | 0.00 | 0.00 | 0.00 |
| TaxRateForCalcs | 0.24 | 0.20 | 0.22 | 0.20 |
| NormalizedEBITDA | 36.39B | 36.33B | 31.84B | 27.07B |
| TotalUnusualItems | -8.31B | 0.00 | 0.00 | 2.32B |
| TotalUnusualItemsExcludingGoodwill | -8.31B | 0.00 | 0.00 | 2.32B |
| NetIncomeFromContinuingOperationNetMinorityInterest | 14.40B | 22.38B | 20.12B | 17.29B |
| ReconciledDepreciation | 4.10B | 3.97B | 3.40B | 3.10B |
| ReconciledCostOfRevenue | 310.88B | 280.66B | 244.54B | 217.94B |
| EBITDA | 28.08B | 36.33B | 31.84B | 27.07B |
| EBIT | 23.98B | 32.36B | 28.43B | 23.97B |
| NetInterestIncome | -3.91B | -3.25B | -2.09B | -1.66B |
| InterestExpense | 3.91B | 3.25B | 2.09B | 1.66B |
| NormalizedIncome | 20.71B | 22.38B | 20.12B | 17.29B |
| NetIncomeFromContinuingAndDiscontinuedOperation | 14.40B | 22.38B | 20.12B | 17.29B |
| TotalExpenses | 367.99B | 339.26B | 295.73B | 263.63B |
| TotalOperatingIncomeAsReported | 32.29B | 32.36B | 28.43B | 23.97B |
| DilutedAverageShares | 911.00M | 929.00M | 938.00M | 950.00M |
| BasicAverageShares | 905.84M | 915.00M | 924.00M | 934.00M |
| DilutedEPS | 13.23 | 15.51 | 23.86 | 21.18 |
| BasicEPS | 13.31 | 15.74 | 24.22 | 21.54 |
| DilutedNIAvailtoComStockholders | 14.40B | 22.38B | 20.12B | 17.29B |
| NetIncomeCommonStockholders | 14.40B | 22.38B | 20.12B | 17.29B |
| NetIncome | 14.40B | 22.38B | 20.12B | 17.29B |
| MinorityInterests | -837.00M | -763.00M | -519.00M | -447.00M |
| NetIncomeIncludingNoncontrollingInterests | 15.24B | 23.14B | 20.64B | 17.73B |
| NetIncomeContinuousOperations | 15.24B | 23.14B | 20.64B | 17.73B |
| TaxProvision | 4.83B | 5.97B | 5.70B | 4.58B |
| PretaxIncome | 20.07B | 29.11B | 26.34B | 22.31B |
| OtherIncomeExpense | -8.31B | 4.09B | 2.03B | 2.32B |
| SpecialIncomeCharges | -8.31B | 0.00 | 0.00 | |
| GainOnSaleOfBusiness | -8.31B | 0.00 | 0.00 | |
| GainOnSaleOfSecurity | 4.09B | 2.03B | 2.32B | |
| NetNonOperatingInterestIncomeExpense | -3.91B | -3.25B | -2.09B | -1.66B |
| InterestExpenseNonOperating | 3.91B | 3.25B | 2.09B | 1.66B |
| OperatingIncome | 32.29B | 32.36B | 28.43B | 23.97B |
| OperatingExpense | 57.11B | 58.60B | 51.18B | 45.68B |
| OtherOperatingExpenses | 53.01B | 54.63B | 47.78B | 42.58B |
| DepreciationAmortizationDepletionIncomeStatement | 4.10B | 3.97B | 3.40B | 3.10B |
| DepreciationAndAmortizationInIncomeStatement | 4.10B | 3.97B | 3.40B | 3.10B |
| GrossProfit | 89.40B | 90.96B | 79.62B | 69.65B |
| CostOfRevenue | 310.88B | 280.66B | 244.54B | 217.94B |
| TotalRevenue | 400.28B | 371.62B | 324.16B | 287.60B |
| OperatingRevenue | 400.28B | 371.62B | 324.16B | 287.60B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| OrdinarySharesNumber | 915.00M | 924.00M | 934.00M | 941.00M |
| ShareIssued | 915.00M | 924.00M | 934.00M | 941.00M |
| NetDebt | 51.59B | 37.11B | 34.26B | 24.63B |
| TotalDebt | 76.90B | 62.54B | 57.62B | 46.00B |
| TangibleBookValue | -37.34B | -30.17B | -29.98B | -14.08B |
| InvestedCapital | 169.56B | 151.29B | 135.40B | 117.76B |
| WorkingCapital | -17.99B | -20.62B | -20.17B | -16.53B |
| NetTangibleAssets | -37.34B | -30.17B | -29.98B | -14.08B |
| CommonStockEquity | 92.66B | 88.76B | 77.77B | 71.76B |
| TotalCapitalization | 165.02B | 147.02B | 132.28B | 114.14B |
| TotalEquityGrossMinorityInterest | 102.59B | 98.92B | 86.35B | 76.48B |
| MinorityInterest | 9.93B | 10.16B | 8.57B | 4.72B |
| StockholdersEquity | 92.66B | 88.76B | 77.77B | 71.76B |
| GainsLossesNotAffectingRetainedEarnings | -3.39B | -7.03B | -8.39B | -5.38B |
| OtherEquityAdjustments | -3.39B | -7.03B | -8.39B | -5.38B |
| RetainedEarnings | 96.04B | 95.77B | 86.16B | 77.13B |
| AdditionalPaidInCapital | 0.00 | |||
| CapitalStock | 9.00M | 9.00M | 9.00M | 10.00M |
| CommonStock | 9.00M | 9.00M | 9.00M | 10.00M |
| PreferredStock | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalLiabilitiesNetMinorityInterest | 195.69B | 174.80B | 159.36B | 135.73B |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 91.92B | 75.75B | 70.12B | 57.44B |
| OtherNonCurrentLiabilities | 15.94B | 14.46B | 12.84B | 11.79B |
| NonCurrentDeferredLiabilities | 3.62B | 3.02B | 2.77B | 3.27B |
| NonCurrentDeferredTaxesLiabilities | 3.62B | 3.02B | 2.77B | 3.27B |
| LongTermDebtAndCapitalLeaseObligation | 72.36B | 58.26B | 54.51B | 42.38B |
| LongTermDebt | 72.36B | 58.26B | 54.51B | 42.38B |
| CurrentLiabilities | 103.77B | 99.05B | 89.24B | 78.29B |
| OtherCurrentLiabilities | 27.35B | 27.07B | 26.28B | 22.98B |
| CurrentDeferredLiabilities | 3.32B | 3.35B | 3.08B | 2.57B |
| CurrentDeferredRevenue | 3.32B | 3.35B | 3.08B | 2.57B |
| CurrentDebtAndCapitalLeaseObligation | 4.54B | 4.27B | 3.11B | 3.62B |
| CurrentDebt | 4.54B | 4.27B | 3.11B | 3.62B |
| PayablesAndAccruedExpenses | 68.56B | 64.35B | 56.77B | 49.13B |
| Payables | 68.56B | 64.35B | 56.77B | 49.13B |
| AccountsPayable | 68.56B | 64.35B | 56.77B | 49.13B |
| TotalAssets | 298.28B | 273.72B | 245.71B | 212.21B |
| TotalNonCurrentAssets | 212.50B | 195.28B | 176.64B | 150.45B |
| OtherNonCurrentAssets | 19.59B | 17.30B | 15.03B | 12.53B |
| InvestmentsAndAdvances | 52.35B | 47.61B | 43.73B | 43.11B |
| GoodwillAndOtherIntangibleAssets | 130.00B | 118.93B | 107.75B | 85.84B |
| OtherIntangibleAssets | 23.27B | 15.19B | 14.40B | 10.04B |
| Goodwill | 106.73B | 103.73B | 93.35B | 75.80B |
| NetPPE | 10.55B | 11.45B | 10.13B | 8.97B |
| AccumulatedDepreciation | -6.97B | -7.04B | -6.93B | -5.99B |
| GrossPPE | 17.52B | 18.49B | 17.06B | 14.96B |
| MachineryFurnitureEquipment | 12.95B | 12.20B | 10.84B | 9.58B |
| BuildingsAndImprovements | 4.21B | 5.57B | 5.52B | 4.88B |
| LandAndImprovements | 364.00M | 712.00M | 697.00M | 502.00M |
| Properties | 0.00 | 0.00 | 0.00 | 0.00 |
| CurrentAssets | 85.78B | 78.44B | 69.07B | 61.76B |
| OtherCurrentAssets | 8.21B | 9.84B | 10.71B | 9.77B |
| PrepaidAssets | 5.32B | |||
| Receivables | 48.45B | 38.97B | 30.45B | 28.08B |
| OtherReceivables | 26.09B | 17.69B | 12.77B | 13.87B |
| AccountsReceivable | 22.36B | 21.28B | 17.68B | 14.22B |
| AllowanceForDoubtfulAccountsReceivable | -985.00M | -1.00B | -877.00M | -954.00M |
| GrossAccountsReceivable | 23.35B | 22.28B | 18.56B | 15.17B |
| CashCashEquivalentsAndShortTermInvestments | 29.11B | 29.63B | 27.91B | 23.91B |
| OtherShortTermInvestments | 3.80B | 4.20B | 4.55B | 2.53B |
| CashAndCashEquivalents | 25.31B | 25.43B | 23.36B | 21.38B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 20.70B | 25.68B | 23.40B | 19.89B |
| RepurchaseOfCapitalStock | -9.00B | -8.00B | -7.00B | -5.00B |
| RepaymentOfDebt | -3.00B | -2.12B | -3.02B | -3.15B |
| IssuanceOfDebt | 17.81B | 6.39B | 14.82B | 6.93B |
| IssuanceOfCapitalStock | 1.85B | 1.35B | 1.25B | 1.35B |
| CapitalExpenditure | -3.50B | -3.39B | -2.80B | -2.45B |
| InterestPaidSupplementalData | 3.59B | 3.04B | 1.95B | 1.65B |
| IncomeTaxPaidSupplementalData | 4.62B | 6.08B | 5.22B | 3.97B |
| EndCashPosition | 25.31B | 25.43B | 23.36B | 21.38B |
| OtherCashAdjustmentOutsideChangeinCash | -219.00M | 0.00 | 0.00 | |
| BeginningCashPosition | 25.43B | 23.36B | 21.38B | 16.92B |
| EffectOfExchangeRateChanges | -61.00M | 97.00M | 34.00M | -62.00M |
| ChangesInCash | 165.00M | 1.97B | 1.96B | 4.52B |
| FinancingCashFlow | -3.51B | -11.53B | 4.23B | -7.46B |
| CashFlowFromContinuingFinancingActivities | -3.51B | -11.53B | 4.23B | -7.46B |
| NetOtherFinancingCharges | -3.48B | -2.40B | 3.43B | -1.01B |
| CashDividendsPaid | -7.53B | -6.76B | -5.99B | -5.28B |
| CommonStockDividendPaid | -7.53B | -6.76B | -5.99B | -5.28B |
| NetCommonStockIssuance | -7.15B | -6.65B | -5.75B | -3.65B |
| CommonStockPayments | -9.00B | -8.00B | -7.00B | -5.00B |
| CommonStockIssuance | 1.85B | 1.35B | 1.25B | 1.35B |
| NetIssuancePaymentsOfDebt | 14.66B | 4.28B | 12.54B | 2.48B |
| NetShortTermDebtIssuance | -151.00M | 11.00M | 732.00M | -1.30B |
| NetLongTermDebtIssuance | 14.81B | 4.27B | 11.80B | 3.78B |
| LongTermDebtPayments | -3.00B | -2.12B | -3.02B | -3.15B |
| LongTermDebtIssuance | 17.81B | 6.39B | 14.82B | 6.93B |
| InvestingCashFlow | -20.53B | -15.57B | -28.48B | -10.37B |
| CashFlowFromContinuingInvestingActivities | -20.53B | -15.57B | -28.48B | -10.37B |
| NetOtherInvestingChanges | -4.14B | -275.00M | 2.62B | -1.25B |
| NetInvestmentPurchaseAndSale | 525.00M | -1.78B | -6.84B | -1.84B |
| SaleOfInvestment | 27.83B | 16.54B | 11.99B | 15.30B |
| PurchaseOfInvestment | -27.31B | -18.31B | -18.82B | -17.14B |
| NetBusinessPurchaseAndSale | -13.41B | -10.14B | -21.46B | -4.82B |
| PurchaseOfBusiness | -13.41B | -10.14B | -21.46B | -4.82B |
| NetPPEPurchaseAndSale | -3.50B | -3.39B | -2.80B | -2.45B |
| PurchaseOfPPE | -3.50B | -3.39B | -2.80B | -2.45B |
| OperatingCashFlow | 24.20B | 29.07B | 26.21B | 22.34B |
| CashFlowFromContinuingOperatingActivities | 24.20B | 29.07B | 26.21B | 22.34B |
| ChangeInWorkingCapital | -808.00M | 1.64B | 2.25B | 1.52B |
| ChangeInOtherWorkingCapital | -197.00M | 203.00M | 126.00M | -310.00M |
| ChangeInOtherCurrentLiabilities | -1.37B | -1.03B | ||
| ChangeInOtherCurrentAssets | -4.14B | -2.44B | -1.37B | -1.03B |
| ChangeInPayablesAndAccruedExpense | 4.97B | 7.00B | 6.02B | 3.86B |
| ChangeInPayable | 4.97B | 7.00B | 6.02B | 3.86B |
| ChangeInAccountPayable | 2.46B | 3.52B | 1.96B | 1.16B |
| ChangeInReceivables | -1.44B | -3.11B | -2.52B | -1.00B |
| ChangesInAccountReceivables | -1.44B | -3.11B | -2.52B | -1.00B |
| OtherNonCashItems | -3.36B | -505.00M | -331.00M | -944.00M |
| StockBasedCompensation | 1.02B | 1.06B | 925.00M | 800.00M |
| DeferredTax | -296.00M | -245.00M | -673.00M | 130.00M |
| DeferredIncomeTax | -296.00M | -245.00M | -673.00M | 130.00M |
| DepreciationAmortizationDepletion | 4.10B | 3.97B | 3.40B | 3.10B |
| DepreciationAndAmortization | 4.10B | 3.97B | 3.40B | 3.10B |
| OperatingGainsLosses | 8.31B | |||
| GainLossOnSaleOfBusiness | 8.31B | 0.00 | 0.00 | |
| NetIncomeFromContinuingOperations | 15.24B | 23.14B | 20.64B | 17.73B |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for UNH
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|