UnitedHealth Group (UNH) Stock Overview
Operates as a health care company in the United States and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 1/6 |
| Financial Health | 3/6 |
| Dividends | 5/6 |
UNH Community Fair Values
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Analyst Price Targets
Top Community Narratives
UnitedHealth Group Incorporated Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$423.56 |
| 52 Week High | US$461.62 |
| 52 Week Low | US$234.60 |
| Beta | 0.63 |
| 1 Month Change | 3.50% |
| 3 Month Change | 19.34% |
| 1 Year Change | 52.04% |
| 3 Year Change | -16.16% |
| 5 Year Change | 2.79% |
| Change since IPO | 133,765.98% |
Recent News & Updates
Seeking Alpha • Jul 22
UnitedHealth: Recovery Unlikely To Be Linear - Near-Term Consolidation Risks
Summary UnitedHealth's raised premiums have worked as intended in driving the healthier membership base, as observed in the lower Medical Care Ratio and richer margins. Optum's integrated care management post-hospitalization and the accelerated adoption of their transparent pharmacy pricing underpin future recovery trends. The shareholder return prospects across share repurchases/dividends may remain resilient, aided by the potential upside to my LTPT of $521.70. UNH is reiterated as a Buy after a moderate correction to the $375s–$400s, given the overbought technical indicators and post-earnings call consolidation risks. The potential Stars rating pressure/elevated member attrition from higher premiums in 2027 suggests their lumpy recovery prospects. Read the full article on Seeking Alpha
Narrative Update • Jul 14
UNH: Medicare Reset And AI Investment Will Shape Multi Year Earnings Balance
UnitedHealth Group's analyst fair value estimate has been nudged higher from $411.31 to $424.23, as analysts factor in updated Street research that points to constructive earnings expectations in Healthcare Services, steadier trends in Medicare Advantage and exchanges, and a slightly higher future P/E assumption of 21.81x. Analyst Commentary Recent commentary around UnitedHealth Group centers on how investors should think about the stock's valuation relative to execution in key businesses such as Medicare Advantage, Medicaid, ACA exchanges, and broader Healthcare Services earnings.Recent updates
Seeking Alpha • Jul 22
UnitedHealth: Recovery Unlikely To Be Linear - Near-Term Consolidation Risks
Summary UnitedHealth's raised premiums have worked as intended in driving the healthier membership base, as observed in the lower Medical Care Ratio and richer margins. Optum's integrated care management post-hospitalization and the accelerated adoption of their transparent pharmacy pricing underpin future recovery trends. The shareholder return prospects across share repurchases/dividends may remain resilient, aided by the potential upside to my LTPT of $521.70. UNH is reiterated as a Buy after a moderate correction to the $375s–$400s, given the overbought technical indicators and post-earnings call consolidation risks. The potential Stars rating pressure/elevated member attrition from higher premiums in 2027 suggests their lumpy recovery prospects. Read the full article on Seeking AlphaNarrative Update • Jul 14
UNH: Medicare Reset And AI Investment Will Shape Multi Year Earnings Balance
UnitedHealth Group's analyst fair value estimate has been nudged higher from $411.31 to $424.23, as analysts factor in updated Street research that points to constructive earnings expectations in Healthcare Services, steadier trends in Medicare Advantage and exchanges, and a slightly higher future P/E assumption of 21.81x. Analyst Commentary Recent commentary around UnitedHealth Group centers on how investors should think about the stock's valuation relative to execution in key businesses such as Medicare Advantage, Medicaid, ACA exchanges, and broader Healthcare Services earnings.Narrative Update • Jun 29
UNH: Medicare Reset And AI-Driven Margin Recovery Will Shape Multi Year Earnings Path
UnitedHealth Group's analyst price target has been revised higher to $411.31 from $399.73, as analysts factor in slightly stronger profit margin assumptions and a modestly higher forward P/E multiple. This view is supported by recent updates that point to improving medical cost trends, margin recovery and more stable policy conditions for managed care.Analysis Article • Jun 17
UnitedHealth Group (UNH) Stock Could Be 55% Undervalued After EPS Guidance Raise And Dividend Hike
UnitedHealth Group (UNH) has attracted fresh attention after raising its full-year adjusted EPS guidance and lifting its quarterly dividend to US$2.32 per share, reinforcing management’s focus on margin recovery and cash flow resilience. See our latest analysis for UnitedHealth Group. UnitedHealth Group’s share price has climbed recently, with a 30-day share price return of 3.5% and a 90-day share price return of 43.37%. The 1-year total shareholder return of 35.52% contrasts with a weaker...
Narrative Update • Jun 15
UNH: Medicare Advantage Recovery And Calmer Policy Backdrop Will Support Earnings Resilience
Analysts have lifted the UnitedHealth Group fair value estimate to $492 from $440, citing updated healthcare services models, expectations for a more stable policy backdrop, and improving medical cost and Medicare Advantage trends as key drivers behind higher target P/E assumptions as well as modestly higher revenue growth and profit margin inputs. Analyst Commentary Recent Street research on UnitedHealth Group points to a clear shift toward more constructive views, with a series of price target increases and rating upgrades clustered around similar themes.Narrative Update • Jun 01
UNH: Medicare Reset And Margin Recovery Efforts Will Shape Multi Year Earnings Path
UnitedHealth Group's updated fair value estimate moves from $386.08 to $399.73 as analysts lift price targets in response to expectations of margin recovery in government businesses, steadier Commercial trends, and improved confidence in earnings following Q1 results and guidance. Analyst Commentary Street research on UnitedHealth Group has turned more constructive following Q1 results, with several firms lifting price targets and pointing to a clearer earnings path tied to government businesses and Commercial trends.
Narrative Update • May 15
UNH: Margin Recovery Hopes Will Clash With Government Program Overhaul Risk
UnitedHealth Group's updated analyst price target moves higher, with fair value now at $307.60 from $284.09, as analysts factor in the company's progress toward restoring margins closer to its targets by 2028 and adjust assumptions for discount rate, revenue growth and profit margin, alongside a modestly higher future P/E of 17.07 from 16.28. Analyst Commentary Recent Street research on UnitedHealth Group has leaned constructive, with several large firms lifting price targets and, in some cases, upgrading their views on the stock.Narrative Update • Apr 27
UNH: Medicare And Regulatory Reset Will Shape Multi Year Earnings Trajectory
UnitedHealth Group's updated analyst price target has shifted to a fair value estimate of $386.08, with analysts citing recent upgrades, higher Street targets, and modestly adjusted assumptions for revenue growth, profit margins, and future P/E as key supports for the revised assessment. Analyst Commentary Recent Street research on UnitedHealth Group shows a mix of optimism and caution, with several firms adjusting ratings and price targets in both directions over the past few months.Narrative Update • Apr 13
UNH: Medicare Policy Debate Will Support Post 2026 Earnings Resilience
Analysts have modestly revised their UnitedHealth Group price targets higher, with adjustments framed around slightly stronger long term profit margin assumptions, a small uptick in expected revenue growth, and mixed commentary on future margin pressure and policy risks. Analyst Commentary Recent research on UnitedHealth Group points to a split between caution around policy and margin headwinds and a more constructive stance on long term earnings power and capital deployment.Narrative Update • Mar 30
UNH: Medicare Advantage Policy Reset Will Support Post 2026 Earnings Recovery
Analysts have made a small adjustment to UnitedHealth Group's outlook, with the average price target moving modestly around the $440 level as they factor in slightly higher long term revenue growth, a marginally stronger profit margin profile, and a slightly lower future P/E assumption following recent sector wide Medicare Advantage commentary and company specific research updates. Analyst Commentary Bullish analysts on UnitedHealth Group are focusing on how recent research updates frame the risk reward around Medicare Advantage and the broader managed care backdrop.Narrative Update • Mar 16
UNH: Medicare Advantage Rebate Reset Will Support Future Earnings Power
Analysts recently adjusted their price targets on UnitedHealth, cutting them by $20 to $80 across several firms, while one firm modestly raised its target to $444. These changes reflect updated views on revenue growth, margins and future P/E assumptions following Medicare Advantage rate developments and company-specific updates.Narrative Update • Mar 02
UNH: Medicare Advantage Reset And Rebate Actions Will Support Multi-Year Earnings Recovery
Our updated view trims UnitedHealth Group's fair value estimate to $364.63 from $392.24 as analysts factor in softer revenue growth assumptions, a slightly higher discount rate, and modestly lower long term profit expectations following a broad wave of reduced Street price targets on the stock. Analyst Commentary Street research on UnitedHealth has turned more cautious in the near term, with a cluster of lower price targets from multiple firms and a smaller group of more constructive views.
New Narrative • Feb 17
UnitedHealth Group's Future Revenue Grows by 3.59%: What Will It Mean?
UnitedHealth (UNH): A Data Giant Hidden in an Insurer's Crisis Investment Narrative – February 2026 Price Target (12m): $395.00 (+35% upside) Rating: Strong Buy (Contrarian) 1. The Core Thesis: The "Optum" Mispricing The market is currently valuing UnitedHealth through the narrow lens of a traditional insurer struggling with Medicare Advantage (MA) rate cuts and CMS regulatory headwinds for 2027.Narrative Update • Feb 16
UNH: Government Managed Care Turnaround Is Expected To Restore Earnings Power
Analysts have lowered their average price target on UnitedHealth by about $52 to $440. The new target reflects updated views that incorporate slower revenue growth assumptions, a modestly higher discount rate, and a lower future P/E multiple, even as profit margin expectations are slightly higher.Narrative Update • Feb 02
UNH: CMS Rate Pressure And Policy Probes Will Shape Outlook
Analysts have trimmed their price targets on UnitedHealth Group, which is reflected in our fair value estimate moving from US$307.82 to US$284.09, as they reassess revenue growth and profit margin assumptions in light of recent CMS rate notices and updated Street research. Analyst Commentary Recent Street research around UnitedHealth Group has turned more cautious, with a series of lower price targets and guarded commentary around policy risk and execution in government programs.
Narrative Update • Jan 20
Universal Health Services: Why Behavioral Care Is Becoming a Core Earnings Driver
Healthcare investors often focus on hospital occupancy rates, reimbursement shifts, and labor costs. But beneath those headline metrics, a more durable trend is reshaping the industry.Narrative Update • Jan 19
UNH: Medicare Advantage Margin Repair And Policy Probes Will Shape Outlook
Analysts have nudged their price targets higher for UnitedHealth Group, citing a more constructive view on Medicare Advantage recovery and managed care earnings potential. This feeds into a slightly higher fair value estimate of about $307.82, modestly above the prior $304.61, and a reduced future P/E assumption of roughly 16.33 from 18.71.Narrative Update • Jan 13
UnitedHealth Group (UNH): Scale, Access, and the Legal Realities of Healthcare
UnitedHealth Group (NYSE: UNH) sits at the center of the U.S. healthcare system. As both a leading insurer and a growing healthcare services provider through Optum, the company touches nearly every stage of patient care—from coverage decisions to clinical delivery and data analytics.Narrative Update • Jan 05
UNH: Medicare Advantage Margin Normalization Will Drive Multi-Year Earnings Recovery Ahead
Analysts have nudged their fair value estimate for UnitedHealth Group slightly higher, with the price target rising by about $4 to around $392 per share as they factor in a stronger multi year earnings recovery driven by disciplined repricing, Medicare Advantage and Medicaid margin normalization, and improving visibility into Optum restructuring benefits. Analyst Commentary Recent Street research on UnitedHealth Group reflects a generally constructive stance, with multiple bullish analysts lifting price targets and emphasizing the durability of the company’s earnings recovery as Medicare Advantage and Medicaid margins normalize and Optum restructuring gains traction.Narrative Update • Dec 19
UNH: Margin Recovery And Policy Risks Will Shape Earnings Trajectory
Analysts have raised their fair value estimate for UnitedHealth Group from $198.00 to approximately $304.61 as they factor in a sector wide margin recovery in Medicare Advantage and Medicaid, improved pricing discipline at Optum Health, and a higher forward price to earnings multiple reflecting expectations for significant EPS growth in the coming years. Analyst Commentary Recent Street research on UnitedHealth Group reflects a generally constructive outlook on earnings recovery and valuation, but with a growing emphasis on execution risk around Medicare Advantage repricing, regulatory changes, and the pace of Optum margin normalization.Narrative Update • Dec 05
UNH: Medicare Star Ratings Will Drive Multi-Year Margin Recovery Ahead
UnitedHealth Group's updated fair value estimate has inched up by about $1.80 to roughly $388.50, as analysts factor in modestly faster long term earnings growth, sector wide Medicare Advantage and Medicaid margin recovery, and improving visibility into multi year margin expansion at Optum. Analyst Commentary Bullish analysts are largely focused on UnitedHealth's improved earnings visibility and margin recovery trajectory, which supports the modest increase in fair value.Narrative Update • Nov 21
UNH: Margin Improvement Will Accelerate As Medicare Star Ratings Support Recovery
UnitedHealth Group's analyst price target has been raised from $433 to $440, reflecting increased confidence in margin recovery and improved earnings potential. Analysts point to sector-wide stabilization and restored pricing discipline as key factors.Narrative Update • Nov 06
UNH: Margin Recovery Should Accelerate Following Improved Medicare Advantage Ratings
UnitedHealth Group's analyst price target has been raised from $360.84 to $385.40, reflecting increased confidence among analysts in margin recovery and earnings growth as a result of improvements in Medicare Advantage and Optum businesses. Analyst Commentary Analysts have weighed in on UnitedHealth Group's prospects, providing a nuanced view of opportunities and challenges ahead.Narrative Update • Oct 23
Analyst Views Mixed as UnitedHealth Group Price Target Rises Amid Improved Outlook and Ongoing Challenges
UnitedHealth Group's analyst price target has been increased by $8.63 to $360.84. This reflects greater confidence among analysts following improved Medicare Advantage star ratings and enhanced earnings visibility.Narrative Update • Oct 09
Medicare Shifts And Digital Tools Will Secure Future Performance
UnitedHealth Group's analyst price target has increased from $342.58 to $352.21, as analysts cite improved multi-year earnings visibility and modest upward adjustments to valuation multiples, with stabilizing Medicare Advantage star ratings and expectations for margin improvement. Analyst Commentary Recent research updates highlight a mix of optimism and caution from the analyst community regarding UnitedHealth Group.Narrative Update • Sep 25
Medicare Shifts And Digital Tools Will Secure Future Performance
Analysts have raised UnitedHealth Group’s price target to $342.58, citing stronger-than-expected Medicare Advantage Star ratings, reinforced management guidance, and improved sector sentiment, though some remain cautious given ongoing regulatory risks and near-term earnings uncertainty. Analyst Commentary Bullish analysts raised price targets on UnitedHealth as recent Medicare Advantage Star ratings results (with 78% of MA members in 4+ Star plans) came in better than feared, easing investor concerns about future reimbursement levels and supporting multi-year margin improvement.Narrative Update • Sep 10
Medicare Shifts And Digital Tools Will Secure Future Performance
Analysts raised UnitedHealth Group’s price target to $333.42, citing improved earnings visibility from strong Medicare Advantage Star ratings, reaffirmed 2025 guidance, and confidence in multi-year margin recovery, despite ongoing regulatory and DOJ-related risks. Analyst Commentary Bullish analysts raised price targets following UnitedHealth's better-than-expected preliminary 2026 Medicare Advantage Star ratings (78% of members in 4+ Star plans), which provided improved earnings visibility and alleviated investor concerns over regulatory headwinds.Analysis Article • Aug 31
UnitedHealth Group Incorporated (NYSE:UNH) Held Back By Insufficient Growth Even After Shares Climb 30%
UnitedHealth Group Incorporated ( NYSE:UNH ) shares have had a really impressive month, gaining 30% after a shaky...Seeking Alpha • Apr 24
UnitedHealth Group: Why I Never, Ever Use Stop Loss Orders
Summary UnitedHealth Group Incorporated's Q1 earnings report led to a stock drop due to a $2 billion revenue miss and lowered EPS guidance, despite a 10% YoY revenue increase. UNH faces challenges from unexpected medical service demand and changes in Optum Health member profiles, impacting its quant ratings and growth outlook. Despite short-term unpredictability, the margin of safety has increased, presenting potential long-term attractiveness for risk-tolerant investors as EPS is expected to normalize by 2026. I remain cautious due to structural risks and prefer a more substantial bargain for long-term optimism, despite the current below-average valuation. Read the full article on Seeking AlphaShareholder Returns
| UNH | US Healthcare | US Market | |
|---|---|---|---|
| 7D | 0.04% | 0.8% | -1.4% |
| 1Y | 52.0% | 35.8% | 16.4% |
Return vs Industry: UNH exceeded the US Healthcare industry which returned 35.8% over the past year.
Return vs Market: UNH exceeded the US Market which returned 16.4% over the past year.
Price Volatility
| UNH volatility | |
|---|---|
| UNH Average Weekly Movement | 3.6% |
| Healthcare Industry Average Movement | 7.1% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: UNH has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: UNH's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1974 | 390,000 | Steve Hemsley | www.unitedhealthgroup.com |
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.
UnitedHealth Group Incorporated Fundamentals Summary
| UNH fundamental statistics | |
|---|---|
| Market cap | US$391.69b |
| Earnings (TTM) | US$14.12b |
| Revenue (TTM) | US$450.13b |
27.2x
P/E Ratio0.9x
P/S RatioIs UNH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UNH income statement (TTM) | |
|---|---|
| Revenue | US$450.13b |
| Cost of Revenue | US$362.29b |
| Gross Profit | US$87.84b |
| Other Expenses | US$73.72b |
| Earnings | US$14.12b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 15.55 |
| Gross Margin | 19.51% |
| Net Profit Margin | 3.14% |
| Debt/Equity Ratio | 69.2% |
How did UNH perform over the long term?
See historical performance and comparisonDividends
2.1%
Current Dividend Yield28%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/23 22:02 |
| End of Day Share Price | 2026/07/23 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
UnitedHealth Group Incorporated is covered by 46 analysts. 23 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Toung | Argus Research Company |
| Hua Ha | Baird |
| Andrew Mok | Barclays |