UnitedHealth Group stock
UNHNYSEUnitedHealth Group Incorporated, HealthcareISIN US91324P1021
67Score 67 out of 100, Neutral
Price and trend
72 / 100
Price history
+23% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 10% above it.
Since May 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 34).
The price is 7.7% below its 52-week high. Largest decline in 20 years: 72% (December 2007 to November 2008).
Chart figures for advanced users
- SMA 50$391.19
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$365.31
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)34
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$259.02
- The lowest closing price of the last twelve months.
- Resistance$436.35
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- UnitedHealth Group Incorporated belongs to the Medical (Healthcare Plans) industry (United States) and, with a market value of $361.04B, is the largest of 12 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $447.57B (up 11.8% year on year) and earnings of $12.06B (down 16.3%).
- For fiscal 2026, analysts expect on average revenue of $448.33B (up 0.2%) and adjusted earnings per share of $20.60 (up 26.3%).
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- MEQIRI Score 67 out of 100 (Neutral): rank 190 of 714 in Healthcare, median 53.
- The P/E is 22.9 (Medical (Healthcare Plans) median 23, own median of recent years 21.8).
- Our model puts fair value at $533.98, with the price 25% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 27 years.Capital allocation 75
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 92
- Below fair valuePrice 25% below the fair value of $533.98.Valuation 70
Weaknesses
- Margin fallingOperating margin 4.2%, average of the prior years 8.7% (to 2024).Profitability 54
Its standout strengths are fundamentals and capital allocation.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among the 100 largest stocks.
From 2016 to 2025, 7 in 100 such stocks fell 30% or more within a year, against a group average of 9 in 100.
What lowers it
- solid fundamentals
- very large company
- price near its 52-week high
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $410.75 and expensive above $762.83 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $662.76 (cash-flow model) and $405.20 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $476.21, at 7.8% it would be $620.84.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (23).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 3.3% on the twelve months before. Revenue has grown solidly since 2006, at about 10% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 19%, operating 4%, net 3%.
Debt & balance sheet
latest quarterModerate debt, and interest is adequately covered.
Earnings
- Next earnings
- 20 Jan 2027in 69 days
- Last reported
- 13 Oct 2026EPS reported $4.69 (expected $4.14)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $20.60+1.4%
- Revenue
- $448.33B+0.1%
- Earnings per share
- $23.42+1.5%
- Revenue
- $463.11B+0.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +4.5%2026 adjusted EPS is guided at least $20.50, core Medicaid margins are expected moderately better than negative 1%, and performance is now seen moderately better than the forecast range.
“Based on our current outlook, we continue to view 2026 as a trough year for core Medicaid margins, which we now expect to be moderately better than negative 1%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 13 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. One insider sold, $660,910 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at UnitedHealth Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
714 rated companies in Healthcare
- This company
- 67
- Sector median
- 53
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Medical (Healthcare Plans)
The next smaller companies by market value
- CVS HealthCVS $114.54B60
- Elevance HealthELV $92.79B69
- CignaCI $79.43B66
- HumanaHUM $53.6B63
- CenteneCNC $34.89B54
- Molina HealthcareMOH $10.92B50
- Oscar HealthOSCR $9.93B71
- BradsaudeSAUD3.SA $8.69B80
ETFs that hold UnitedHealth Group
Held by 123 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Xtrackers MSCI USA Health Care UCITS ETF 1DXUHC | 5.39% | 0.12% | €1.34B |
| iShares S&P 500 Health Care Sector UCITS ETFQDVG | 5.35% | 0.15% | €3.27B |
| State Street SPDR S&P U.S. Health Care Select Sector UCITS ETF (Acc)ZPDH | 5.30% | 0.15% | €592.11M |
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| iShares Dow Jones Industrial Average UCITS ETF (DE)EXI3 | 4.55% | 0.51% | €322.26M |
| Xtrackers MSCI World Health Care UCITS ETF 1CXDWH | 3.90% | 0.25% | €4.18B |
| Harbor Health Care UCITS ETF AccW311 | 3.50% | 0.89% | €11.61M |
| iShares MSCI World Health Care Sector Advanced UCITS ETFCBUF | 3.47% | 0.18% | €837.43M |
| WisdomTree US Quality Dividend Growth UCITS ETF USD AccWTDM | 2.80% | 0.33% | €721.26M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 20 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.