UnitedHealth Group Incorporated UNH SPX
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 engagement, and health financial services with patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, public entities, life sciences companies and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community health care programs. and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Compounding revenue at 11.4% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -15.7% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Healthcare).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | UNH UnitedHealth Group Incorporated SPX | 380.31 | 28.66 | $345.38B | 2.32% | 9.60% | 12.18% | 11.35% | -15.69% |
| 2 | LLY Eli Lilly and Company SPX | 1,105.00 | 39.21 | $985.37B | 0.63% | 38.44% | 107.46% | 31.69% | 48.96% |
| 3 | JNJ Johnson & Johnson SPX | 225.33 | 26.11 | $542.42B | 2.38% | 23.13% | 26.42% | 5.60% | 14.32% |
| 4 | MRK Merck & Co., Inc. SPX | 118.72 | 33.44 | $293.22B | 2.86% | 20.66% | 18.94% | 3.12% | 7.93% |
| 5 | TMO Thermo Fisher Scientific Inc. SPX | 492.51 | 27.11 | $183.03B | 0.38% | 9.17% | 13.52% | -0.27% | -1.19% |
| 6 | AMGN Amgen Inc. NDXSPX | 336.79 | 23.42 | $181.77B | 2.99% | 18.02% | 101.32% | 11.77% | 5.58% |
| 7 | GILD Gilead Sciences, Inc. NDXSPX | 134.43 | 18.29 | $166.90B | 2.44% | 22.92% | 43.36% | 2.57% | 22.83% |
| 8 | ISRG Intuitive Surgical, Inc. NDXSPXAI | 424.64 | 51.53 | $150.39B | - | 15.96% | 17.23% | 17.39% | 29.26% |
| 9 | PFE Pfizer Inc. SPX | 26.18 | 19.98 | $149.21B | 6.57% | 5.95% | 8.31% | -14.80% | -37.20% |
Quarterly Results
Figures in USD.
| Metric | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 30.62B | 31.12B | 31.71B | 32.57B | 32.76B | 35.76B | 36.26B | 41.49B | 44.53B | 46.48B | 46.29B | 48.72B | 50.05B | 50.32B | 55.19B | 56.09B | 56.56B | 60.31B | 60.59B | 60.35B | 64.42B | 62.14B | 65.11B | 70.20B | 71.32B | 72.34B | 80.15B | 80.33B | 80.89B | 91.93B | 92.90B | 92.36B | 99.80B | 98.86B | - | 109.58B | 111.62B | 113.16B | 113.22B | 111.72B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 85.80B | 91.60B | 92.52B | 94.72B | 86.31B |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 23.77B | 20.01B | 20.64B | 18.49B | 25.41B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 14.65B | 14.86B | 16.32B | 18.11B | 16.42B |
| Operating Income | 2.63B | 2.45B | 2.05B | 2.55B | 2.90B | 2.64B | 2.90B | 3.02B | 2.96B | 3.20B | 3.58B | 3.41B | 3.73B | 4.09B | 4.05B | 4.20B | 4.59B | 4.83B | 4.74B | 5.01B | 5.00B | 9.24B | 4.65B | 6.74B | 5.98B | 5.71B | 6.95B | 7.13B | 7.46B | 8.09B | 8.06B | 8.53B | 7.93B | 7.88B | - | 9.12B | 5.15B | 4.32B | 380.00M | 8.99B |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 10.16B | 6.19B | 5.33B | 1.37B | 9.95B |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 998.00M | 1.03B | 1.00B | 974.00M | 955.00M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 8.11B | 4.08B | 3.23B | -720.00M | 7.96B |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.63B | 510.00M | 686.00M | -938.00M | 1.48B |
| Net Income | 1.57B | 1.43B | 1.10B | 1.41B | 1.60B | 1.41B | 1.58B | 1.60B | 1.61B | 1.75B | 1.97B | 2.17B | 2.28B | 2.48B | 2.84B | 2.92B | 3.19B | 3.47B | 3.29B | 3.54B | 3.38B | 6.64B | 3.17B | 4.86B | 4.27B | 4.09B | 5.03B | 5.07B | 5.26B | 5.61B | 5.47B | 5.84B | -1.41B | 4.22B | - | 6.29B | 3.41B | 2.35B | 10.00M | 6.28B |
| Diluted EPS | 1.53 | 1.41 | 1.10 | 1.42 | 1.63 | 1.46 | 1.64 | 1.65 | 1.67 | 1.81 | 2.03 | 2.23 | 2.32 | 2.51 | 2.87 | 2.98 | 3.24 | 3.56 | 3.42 | 3.67 | 3.52 | 6.91 | 3.30 | 5.08 | 4.46 | 4.28 | 5.27 | 5.34 | 5.55 | 5.95 | 5.82 | 6.24 | -1.53 | 4.54 | - | 6.85 | 3.74 | 2.59 | 0.01 | 6.90 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 75.43B | 81.19B | 87.14B | 94.16B | 101.86B | 110.62B | 122.49B | 130.47B | 157.11B | 184.84B | 201.16B | 226.25B | 242.16B | 257.14B | - | 324.16B | 371.62B | 400.28B | 447.57B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 244.54B | 280.66B | 310.88B | 364.65B |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 79.62B | 90.96B | 89.40B | 82.92B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 51.18B | 58.60B | 57.11B | 63.95B |
| Operating Income | 7.85B | 5.26B | 6.36B | 7.86B | 8.46B | 9.25B | 9.62B | 10.27B | 11.02B | 12.93B | 15.21B | 17.34B | 19.68B | 22.41B | - | 28.43B | 32.36B | 32.29B | 18.96B |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 31.84B | 36.33B | 28.08B | 23.06B |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.09B | 3.25B | 3.91B | 4.00B |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 26.34B | 29.11B | 20.07B | 14.70B |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.70B | 5.97B | 4.83B | 1.89B |
| Net Income | 4.65B | 2.98B | 3.82B | 4.63B | 5.14B | 5.53B | 5.62B | 5.62B | 5.81B | 7.02B | 10.56B | 11.99B | 13.84B | 15.40B | - | 20.12B | 22.38B | 14.40B | 12.06B |
| Diluted EPS | 3.42 | 2.40 | 3.24 | 4.10 | 4.73 | 5.28 | 5.50 | 5.70 | 6.01 | 7.25 | 10.72 | 12.19 | 14.33 | 16.03 | - | 21.18 | 23.86 | 15.51 | 13.23 |
Compounded Sales Growth
| 5 Years: | 11.35% |
| 1 Year: | 2.00% |
Compounded Profit Growth
| 5 Years: | -15.69% |
| 1 Year: | 0.70% |
Stock Price Performance
| 1 Year: | +29.52% |
| 6 Months: | +18.26% |
| 3 Months: | +30.69% |
| 1 Month: | +2.58% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2006 | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 55.81B | 59.05B | 63.06B | 67.89B | 80.89B | 81.88B | 86.30B | 111.25B | 122.81B | 139.06B | 152.22B | 173.89B | 197.29B | - | 245.71B | 273.72B | 298.28B | 309.58B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 69.07B | 78.44B | 85.78B | 90.58B |
| Cash & Equivalents | 10.32B | 8.87B | 7.43B | 9.80B | 9.12B | 9.43B | 8.41B | 7.28B | 7.50B | 10.92B | 10.43B | 11.98B | 10.87B | 10.98B | 16.92B | - | 23.36B | 25.43B | 25.31B | 24.36B |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.68B | 21.28B | 22.36B | 23.02B |
| Total Liabilities | - | - | 35.03B | 35.44B | 37.24B | 39.60B | 47.59B | 48.56B | 52.54B | 75.79B | 82.62B | 87.04B | 95.99B | 111.73B | 126.75B | - | 159.36B | 174.80B | 195.69B | 207.88B |
| Current Liabilities | - | - | 19.76B | 22.16B | 23.70B | 23.92B | 27.12B | 27.88B | 30.62B | 42.90B | 49.25B | 50.46B | 53.21B | 61.78B | 72.42B | - | 89.24B | 99.05B | 103.77B | 114.90B |
| Long Term Debt | - | - | 11.34B | 9.01B | 8.66B | 10.66B | 14.04B | 14.89B | 16.01B | 25.33B | 25.78B | 28.84B | 34.58B | 36.81B | 38.65B | - | 54.51B | 58.26B | 72.36B | 72.32B |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 57.62B | 62.54B | 76.90B | 78.39B |
| Total Equity | 20.81B | 20.06B | 20.78B | 23.61B | 25.82B | 28.29B | 31.18B | 32.15B | 32.45B | - | - | - | - | - | - | - | 77.77B | 88.76B | 92.66B | 94.11B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 934.00M | 924.00M | 915.00M | 905.84M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 5.88B | 4.24B | 5.62B | 6.27B | 6.97B | 7.16B | 6.99B | 8.05B | 9.74B | 9.79B | 13.60B | 15.71B | 18.46B | 22.17B | - | 26.21B | 29.07B | 24.20B | 19.70B |
| Investing Cash Flow | -4.15B | -5.07B | -976.00M | -5.34B | -4.17B | -8.65B | -3.09B | -2.53B | -18.39B | -9.36B | -8.60B | -12.38B | -12.70B | -12.53B | - | -28.48B | -15.57B | -20.53B | -8.69B |
| Financing Cash Flow | -3.19B | -605.00M | -2.27B | -1.61B | -2.49B | 471.00M | -4.95B | -5.29B | 12.24B | -1.01B | -3.44B | -4.37B | -5.62B | -3.59B | - | 4.23B | -11.53B | -3.51B | -11.64B |
| Capital Expenditure | -871.00M | -791.00M | -739.00M | -878.00M | -1.07B | -1.07B | -1.31B | -1.52B | -1.56B | -1.71B | -2.02B | -2.06B | -2.07B | -2.05B | - | -2.80B | -3.39B | -3.50B | -3.62B |
| Free Cash Flow | 5.01B | 3.45B | 4.89B | 5.39B | 5.90B | 6.08B | 5.68B | 6.53B | 8.18B | 8.09B | 11.57B | 13.65B | 16.39B | 20.12B | - | 23.40B | 25.68B | 20.70B | 16.07B |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.96B | 1.97B | 165.00M | -632.00M |
| Share Buybacks | 6.60B | 2.68B | 1.80B | 2.52B | 2.99B | 3.08B | 3.17B | 4.01B | 1.20B | 1.28B | 1.50B | 4.50B | 5.50B | 4.25B | 5.00B | 7.00B | 8.00B | 9.00B | 5.54B |
| Dividends Paid | 40.00M | 37.00M | 36.00M | 449.00M | 651.00M | 820.00M | 1.06B | - | - | - | - | - | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.6% | 24.5% | 22.3% | 18.5% |
| Operating Margin % | 10.4% | 6.5% | 7.3% | 8.4% | 8.3% | 8.4% | 7.9% | 7.9% | 7.0% | 7.0% | 7.6% | 7.7% | 8.1% | 8.7% | - | 8.8% | 8.7% | 8.1% | 4.2% |
| Net Margin % | 6.2% | 3.7% | 4.4% | 4.9% | 5.0% | 5.0% | 4.6% | 4.3% | 3.7% | 3.8% | 5.2% | 5.3% | 5.7% | 6.0% | - | 6.2% | 6.0% | 3.6% | 2.7% |
| ROE % | 23.2% | 14.3% | 16.2% | 17.9% | 18.2% | 17.7% | 17.5% | 17.3% | - | - | - | - | - | - | - | 25.9% | 25.2% | 15.5% | 12.8% |
| ROCE % | - | 14.6% | 17.2% | 20.0% | 19.3% | 17.2% | 17.8% | 18.5% | 16.1% | 17.6% | 17.2% | 17.5% | 17.6% | 17.9% | - | 18.2% | 18.5% | 16.6% | 9.7% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.09% | 73.47M | $27.94B |
| 2 | Vanguard Capital Management LLC | 6.48% | 58.87M | $22.39B |
| 3 | State Street Corporation | 4.99% | 45.33M | $17.24B |
| 4 | Capital World Investors | 3.06% | 27.78M | $10.57B |
| 5 | Vanguard Portfolio Management LLC | 2.65% | 24.04M | $9.14B |
| 6 | Geode Capital Management, LLC | 2.51% | 22.77M | $8.66B |
| 7 | Price (T.Rowe) Associates Inc | 2.30% | 20.87M | $7.94B |
| 8 | Charles Schwab Investment Management, Inc. | 2.29% | 20.82M | $7.92B |
| 9 | JPMORGAN CHASE & CO | 2.10% | 19.10M | $7.26B |
| 10 | Capital Research Global Investors | 1.88% | 17.11M | $6.51B |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for UNH