UnitedHealth Group Incorporated
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. It operates through four segments: Optum Health, Optum Insight, Optum Rx; and UnitedHealthcare. The Optum Health segment provides care delivery, care management, wellness and consumer engageme…
What to know about UNH
UnitedHealth Group Incorporated is a Healthcare company with a mixed financial profile. It scores well on size and risk, but profitability is worth keeping an eye on.
Should you consider UNH?
Based on 31 financial metrics and sector comparison. Not financial advice.
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UnitedHealth Group Incorporated is a Healthcare company with a mixed overall financial profile — it is in the lower half of its Healthcare peers (44 of 59).
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Profit margins are thin compared to most S&P 500 peers — the company keeps less of each dollar it earns than the average. Watch for signs of margin improvement.
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Valuation is in the middle of the pack — neither obviously cheap nor stretched.
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Growth has been slower than most peers. That's not necessarily a dealbreaker, but it means the investment case rests more on current earnings than future expansion.
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This stock pays no dividend — your return depends entirely on the share price rising over time.
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Risk is relatively low — the stock tends to be less volatile than the broader market, which typically means a smoother ride during uncertain periods.
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There are several areas of concern. This may suit investors with a higher risk tolerance or a specific contrarian view on the Healthcare sector.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how UNH compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 30.17 | Average |
| Forward P/E | 19.18 | Average |
| PEG Ratio | 1.41 | Above avg |
| Price to Sales | 0.81 | Top 25% |
| Price to Book | 3.72 | Average |
| EV/EBITDA | 19.77 | Average |
| Earnings Yield | 3.31% | Average |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 18.80% | Below avg |
| Operating Margin | 8.05% | Below avg |
| Net Profit Margin | 2.68% | Below avg |
| Return on Equity | 12.18% | Average |
| Return on Invested Capital | 3.78% | Average |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 2.00% | Below avg |
| Revenue Growth (3Y CAGR) | 11.35% | Top 25% |
| EPS Growth (YoY) | 0.70% | Below avg |
| Free Cash Flow Growth | -22.36% | Below avg |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | 0.80 | Below avg |
| Debt to Equity | 0.74 | Above avg |
| Interest Coverage | 4.67 | Average |
| Altman Z-Score | 3.03 | Average |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | — | N/A |
| Payout Ratio | — | N/A |
| Dividend Growth (5Y) | -4.15% | Above avg |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 5.40% | Above avg |
| OCF to Sales | 5.15% | Below avg |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 0.65 | Above avg |
| Volatility (30-Day) | 26.36% | Above avg |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 2.37% | Above avg |
| Avg. Analyst Rating | 1.64 | Top 25% |
| Target Upside % | 1.60% | Below avg |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 364.13B | Top 25% |
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