UnitedHealth stock analysis
UnitedHealth (UNH) Stock Price & Analysis
UNH Stock Chart & Stats
- Day’s Range
- EUR 362.20 - EUR 365.60
- 52-Week Range
- EUR 222.70 - EUR 400.60
- Previous Close
- EUR 359.60
- Volume
- N/A
- Average Volume (3M)
- 1,041
- Market Cap
- EUR 327.13B
- Enterprise Value
- EUR 412.89B
- Total Cash (Recent Filing)
- EUR 28.55B
- Total Debt (Recent Filing)
- EUR 74.33B
- Price to Earnings (P/E)
- 23.0
- Beta
- -0.17
- Next Earnings
- Jan 20, 2027 (Est.)
- EPS Estimate
- 2.05
- Next Dividend Ex-Date
- Dec 07, 2026
- Dividend Yield
- 2.17%
Bulls Say, Bears Say
Bulls Say
Strong Cash Generation
UnitedHealth’s substantial operating and free cash flow supports investment across insurance, pharmacy, care delivery, and technology services while funding dividends and other capital needs. Free cash flow has also generally tracked earnings well, indicating meaningful underlying cash conversion despite recent growth volatility.
Diversified Healthcare Platform
The combination of UnitedHealthcare and Optum gives UnitedHealth multiple revenue streams across the healthcare value chain, reducing reliance on any single product or customer category. Its scale across benefits, pharmacy, care, and data services can support cross-segment capabilities and sustained relevance.
Medicare And Optum Improvement
Improving Medicare margins and Optum Health’s large patient base provide identifiable avenues for earnings recovery and expansion. Progress toward the stated Optum margin range, together with value-based care and post-acute opportunities, could strengthen profitability over multiple quarters.
Bears Say
Revenue And Margin Compression
The recent deterioration in revenue and profitability indicates that UnitedHealth’s earnings base is under pressure despite its considerable scale. If weaker trends persist, lower margins could restrict reinvestment capacity, reduce operating flexibility, and make the long-term growth target harder to achieve.
Persistent Medical Cost Pressure
Medical cost trends above expectations can squeeze insurance margins when premium pricing and reimbursement do not adjust quickly enough. Elevated utilization, specialty pharmacy expense, clinician pricing, and dispute-resolution costs may therefore remain structural obstacles to commercial margin recovery.
Negative Medicaid Core Margins
Persistently negative core Medicaid margins show that reimbursement is not yet fully covering medical cost trends in this business. Uneven state-rate updates and elevated behavioral, pharmacy, home-care, and inpatient utilization could continue consuming earnings and delay a durable recovery.
UNH FAQ
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UnitedHealth Stock Smart Score
Company Description
UnitedHealth
UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individual consumers. It also delivers specialized health coverage and wellness programs tailored for individuals aged 50 and older, addressing their needs for preventive and acute care, chronic disease management, and other age-specific health issues. This division further encompasses Medicaid plans, children's health insurance, dental benefits, and various hospital and clinical services. Optum Health focuses on delivering direct healthcare solutions and management services. It facilitates access to networks of specialist care providers, offers health management programs, direct care delivery, consumer engagement initiatives, and financial services. Its diverse clientele includes individuals (served directly through care systems), employers, insurance payers, and government organizations. Optum Insight specializes in providing technology, information, and consulting services to the healthcare industry. Its offerings include software and data products, advisory consulting arrangements, and outsourced managed services. Clients span hospital systems, physicians, health plans, governmental bodies, life sciences companies, and other relevant organizations. Finally, Optum Rx handles the company's pharmaceutical care services. This segment manages retail pharmacy networks, provides home prescription delivery, and offers specialty and compounding pharmacy capabilities. Leveraging its purchasing power and clinical expertise, Optum Rx also develops advanced programs related to step therapy, formulary management, medication adherence, and integrated disease and drug therapy management. UnitedHealth Group Incorporated, founded in 1977, has its corporate headquarters located in Minnetonka, Minnesota.
- Sector
- Healthcare
- Industry
- Medical - Healthcare Plans
- CEO
- Stephen J. Hemsley
- Employees
- 390,000
- Website
- www.unitedhealthgroup.com
- Address
- 1 Health Drive, Eden Prairie, MN, 55344, US
UnitedHealth (UNH) Earnings & Revenues
UNH Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive, with improved third-quarter earnings, a lower medical care ratio, raised 2026 adjusted EPS guidance, Medicare Advantage margin recovery, strong Optum operating metrics, AI and modernization progress, capital returns, and confidence in 2027 growth. The main challenges were persistently high medical costs, commercial trends above 11%, negative Medicaid core margins, No Surprises Act arbitration costs, and continued policy and funding pressures.
View all DE:UNH earnings summariesUNH Net sales Breakdown
- 78.70% Premiums
- 11.93% Products
- 8.50% Services
- 0.88% Investment and other income
UNH Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 6 | 2 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 11 | 0 | 1 |
