UnitedHealth Group
UNH | NYSE
$374.59
-$2.31 (-0.61%)
Sep 21, 2026, 12:37 PM ET · Market open
Market Data
Market Cap $342.28B
Enterprise Value $384.14B
Beta 0.62
Average Volume 5.84M
Shares Outstanding (Diluted) 906M
Shares Change YoY -0.44%
Institutional Ownership 82.24%
Exchange NYSE
ISIN US91324P1021
Price Performance
Price Change 1M -4.5%
Price Change 3M -7.3%
Price Change 6M 39.8%
Price Change YTD 12.0%
Price Change 1Y 12.6%
Price Change 3Y -25.5%
Price Change 5Y -7.4%
1M CAGR (ann.) -6.1%
1Y CAGR (ann.) 13.3%
5Y CAGR (ann.) 0.4%
All-Time CAGR 12.4%
Valuation
PE Ratio 24.24
Forward PE 16.86
PEG Ratio -0.73
Forward PEG 1.77
PS Ratio 0.76
Forward PS 0.70
PB Ratio 3.27
P/FCF Ratio 14.49
P/Adj. FCF Ratio 14.97
P/OCF Ratio 12.64
EV/Sales 0.85
EV/EBIT 17.89
EV/EBITDA 14.91
EV/FCF 16.27
Earnings Yield 4.1%
FCF Yield 6.9%
Adj. FCF Yield 6.7%
Financial Health
Net Debt $41.86B
Total Debt $73.33B
Cash & Short-Term Investments $31.47B
Total Assets $309.73B
Current Ratio 0.78
Quick Ratio 0.78
Debt / Equity Ratio 0.74
Debt / EBITDA 2.85
Debt / FCF 3.10
OCF / Debt 0.37
Interest Coverage 5.57
Altman Z-Score 2.59
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 22.5%
Operating Profit Margin 4.8%
EBITDA Margin 5.7%
Net Profit Margin 3.1%
FCF Margin 5.3%
Adj. FCF Margin 5.1%
SBC / Revenue 0.2%
SBC Impact (per share) -3.2%
Returns
Return on Assets 4.6%
Return on Equity 14.6%
Return on Invested Capital 9.2%
Return on Capital Employed 10.9%
Return on Tangible Assets 7.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 8.9%
Revenue CAGR 5Y 10.6%
Revenue CAGR 10Y 9.8%
EPS CAGR 3Y -11.4%
EPS CAGR 5Y 0.5%
EPS CAGR 10Y 9.3%
FCF CAGR 3Y -14.8%
FCF CAGR 5Y 5.0%
FCF CAGR 10Y 10.6%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 52
EPS Growth Next 3Y 25.8%
Revenue Growth Next 3Y 4.0%
Earnings Date Oct 12, 2026
EPS Estimate (next Q) $4.12
EPS Growth Est (next Q) 41.1%
Revenue Est (next Q) $111.31B
Revenue Growth Est (next Q) -1.6%
Fair Value Estimates
Graham Number $201
Graham Upside -46.7%
Lynch Fair Value $77.75
Lynch Upside -79.4%
Price Target $473.89
Price Target Upside 25.7%
Cash Flow
Operating Cash Flow $27.02B
Free Cash Flow $23.62B
Adj. Free Cash Flow $22.87B
FCF Per Share $26.07
OCF Per Share $29.82
OCF/S Ratio 6.0%
Income Statement
Revenue $450.13B
Gross Profit $101.21B
Operating Income $21.68B
EBITDA $25.76B
Net Income $14.12B
EPS (Diluted) $15.55
Revenue / Employee $1.15M
Profit / Employee $36.21K
Employees 390,000
Dividends
Annual Dividend $9.06
Dividend Yield 2.40%
Payout Ratio 58.3%
FCF Payout Ratio 34.3%
Adj. FCF Payout Ratio 35.4%
Dividend Growth (YoY) 5.1%
Pay Frequency Quarterly
Ex-Dividend Date Sep 13, 2026
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