UnitedHealth (0R0O) Ratios
UnitedHealth Ratios
GB:0R0O's free cash flow for Q3 2026 was $4.26B. For the 2026 fiscal year, GB:0R0O's free cash flow was decreased by $-859.00M and operating cash flow was $5.12B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.79 | 0.83 | 0.79 | 0.77 | 0.79 |
| Quick Ratio | 0.79 | 0.83 | 0.79 | 0.77 | 0.79 |
| Cash Ratio | 0.21 | 0.24 | 0.26 | 0.26 | 0.27 |
| Solvency Ratio | 0.08 | 0.09 | 0.15 | 0.15 | 0.15 |
| Operating Cash Flow Ratio | 0.17 | 0.23 | 0.29 | 0.29 | 0.29 |
| Short-Term Operating Cash Flow Coverage | 3.25 | 5.33 | 5.47 | 8.43 | 6.17 |
| Net Current Asset Value | $ -117.30B | $ -109.91B | $ -96.36B | $ -90.29B | $ -73.97B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.25 | 0.26 | 0.25 | 0.23 | 0.22 |
| Debt-to-Equity Ratio | 0.83 | 0.83 | 0.76 | 0.74 | 0.64 |
| Debt-to-Capital Ratio | 0.45 | 0.45 | 0.43 | 0.43 | 0.39 |
| Long-Term Debt-to-Capital Ratio | 0.43 | 0.44 | 0.40 | 0.41 | 0.37 |
| Financial Leverage Ratio | 3.29 | 3.22 | 3.08 | 3.16 | 2.96 |
| Debt Service Coverage Ratio | 2.10 | 2.75 | 3.55 | 5.02 | 4.26 |
| Interest Coverage Ratio | 4.74 | 8.27 | 9.97 | 13.59 | 14.44 |
| Debt to Market Cap | 0.26 | 0.16 | 0.13 | 0.12 | 0.10 |
| Interest Debt Per Share | 90.54 | 86.99 | 76.16 | 63.93 | 50.54 |
| Net Debt to EBITDA | 2.34 | 1.84 | 1.16 | 1.08 | 0.91 |
| Profitability Margins | |||||
| Gross Profit Margin | 18.53% | 22.33% | 24.48% | 24.56% | 24.22% |
| EBIT Margin | 4.18% | 5.99% | 8.71% | 8.77% | 8.33% |
| EBITDA Margin | 5.15% | 7.01% | 9.78% | 9.82% | 9.41% |
| Operating Profit Margin | 4.24% | 8.07% | 8.71% | 8.77% | 8.33% |
| Pretax Profit Margin | 3.28% | 5.01% | 7.83% | 8.13% | 7.76% |
| Net Profit Margin | 2.69% | 3.60% | 6.02% | 6.21% | 6.01% |
| Continuous Operations Profit Margin | 2.86% | 3.81% | 6.23% | 6.37% | 6.17% |
| Net Income Per EBT | 82.03% | 71.77% | 76.88% | 76.38% | 77.48% |
| EBT Per EBIT | 77.50% | 62.16% | 89.97% | 92.64% | 93.07% |
| Return on Assets (ROA) | 3.89% | 4.83% | 8.18% | 8.19% | 8.15% |
| Return on Equity (ROE) | 12.81% | 15.55% | 25.22% | 25.87% | 24.09% |
| Return on Capital Employed (ROCE) | 9.74% | 16.60% | 18.53% | 18.17% | 17.90% |
| Return on Invested Capital (ROIC) | 8.23% | 12.32% | 14.29% | 13.96% | 13.85% |
| Return on Tangible Assets | 6.75% | 8.56% | 14.46% | 14.58% | 13.68% |
| Earnings Yield | 4.01% | 3.07% | 4.58% | 4.06% | 3.65% |
| Efficiency Ratios | |||||
| Receivables Turnover | 8.49 | 8.26 | 9.54 | 18.33 | 20.23 |
| Payables Turnover | 4.71 | 4.53 | 8.78 | 4.31 | 4.44 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 41.59 | 37.93 | 32.46 | 32.01 | 32.07 |
| Asset Turnover | 1.45 | 1.34 | 1.36 | 1.32 | 1.36 |
| Working Capital Turnover Ratio | -21.16 | -20.74 | -18.22 | -17.66 | -16.32 |
| Cash Conversion Cycle | -34.45 | -36.31 | -3.29 | -64.83 | -64.23 |
| Days of Sales Outstanding | 42.99 | 44.18 | 38.28 | 19.91 | 18.04 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 77.44 | 80.50 | 41.56 | 84.73 | 82.27 |
| Operating Cycle | 42.99 | 44.18 | 38.28 | 19.91 | 18.04 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 21.65 | 26.05 | 31.32 | 28.06 | 23.69 |
| Free Cash Flow Per Share | 17.66 | 22.29 | 27.67 | 25.06 | 21.09 |
| Dividend Paid and CapEx Coverage Ratio | 1.71 | 2.19 | 2.86 | 2.98 | 2.89 |
| Capital Expenditure Coverage Ratio | 5.44 | 6.92 | 8.58 | 9.35 | 9.10 |
| Operating Cash Flow Coverage Ratio | 0.25 | 0.31 | 0.43 | 0.45 | 0.49 |
| Operating Cash Flow to Sales Ratio | 0.04 | 0.06 | 0.08 | 0.08 | 0.08 |
| Free Cash Flow Yield | 5.35% | 4.41% | 5.26% | 4.73% | 4.20% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 24.95 | 32.34 | 21.83 | 24.61 | 27.39 |
| Price-to-Sales (P/S) Ratio | 0.67 | 1.17 | 1.31 | 1.53 | 1.65 |
| Price-to-Book (P/B) Ratio | 3.19 | 5.07 | 5.50 | 6.37 | 6.60 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 18.69 | 22.70 | 19.02 | 21.16 | 23.81 |
| Price-to-Operating Cash Flow Ratio | 15.25 | 19.42 | 16.81 | 18.90 | 21.19 |
| Price-to-Earnings Growth (PEG) Ratio | -1.62 | -0.92 | 1.82 | 1.41 | 2.18 |
| Enterprise Value Multiple | 15.37 | 18.58 | 14.60 | 16.63 | 18.40 |
| Enterprise Value | 354.42B | 521.54B | 530.57B | 529.45B | 498.15B |
| EV to EBITDA | 15.37 | 18.58 | 14.60 | 16.63 | 18.40 |
| EV to Sales | 0.79 | 1.30 | 1.43 | 1.63 | 1.73 |
| EV to Free Cash Flow | 22.05 | 25.19 | 20.66 | 22.62 | 25.05 |
| EV to Operating Cash Flow | 17.99 | 21.55 | 18.25 | 20.20 | 22.30 |
| Tangible Book Value Per Share | -32.17 | -29.51 | -21.56 | -22.92 | -9.93 |
| Shareholders’ Equity Per Share | 103.42 | 99.74 | 95.64 | 83.27 | 76.10 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.13 | 0.24 | 0.21 | 0.22 | 0.21 |
| Revenue Per Share | 491.83 | 430.87 | 400.45 | 347.07 | 304.98 |
| Net Income Per Share | 13.25 | 15.51 | 24.12 | 21.54 | 18.33 |
| Tax Burden | 0.82 | 0.72 | 0.77 | 0.76 | 0.77 |
| Interest Burden | 0.79 | 0.84 | 0.90 | 0.93 | 0.93 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.54 | 1.59 | 1.30 | 1.30 | 1.29 |
Currency in USD