| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 2/6 |
| Past Performance | 3/6 |
| Financial Health | 3/6 |
| Dividends | 5/6 |
UNH Overview
UnitedHealth Group Incorporated operates as a diversified health care company in the United States.
Share Price & News
How has UnitedHealth Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UNH is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: UNH's weekly volatility (2%) has been stable over the past year.
Market Performance
7 Day Return
4.0%
UNH
2.4%
US Healthcare
-0.6%
US Market
1 Year Return
36.4%
UNH
33.0%
US Healthcare
33.8%
US Market
Return vs Industry: UNH exceeded the US Healthcare industry which returned 33% over the past year.
Return vs Market: UNH exceeded the US Market which returned 33.8% over the past year.
Shareholder returns
| UNH | Industry | Market | |
|---|---|---|---|
| 7 Day | 4.0% | 2.4% | -0.6% |
| 30 Day | -2.2% | -0.1% | 1.0% |
| 90 Day | 5.5% | -1.7% | 3.4% |
| 1 Year | 38.4%36.4% | 34.6%33.0% | 35.8%33.8% |
| 3 Year | 65.1%57.6% | 40.0%34.0% | 60.0%50.1% |
| 5 Year | 222.7%199.0% | 110.0%94.2% | 123.0%98.7% |
Long-Term Price Volatility Vs. Market
How volatile is UnitedHealth Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
UnitedHealth Group Incorporated (NYSE:UNH) Looks Interesting, And It's About To Pay A Dividend3 weeks ago | Simply Wall St
Investing in UnitedHealth Group (NYSE:UNH) five years ago would have delivered you a 231% gain1 month ago | Simply Wall St
Is UnitedHealth Group (NYSE:UNH) A Risky Investment?UnitedHealth Group Fundamentals Summary
| UNH fundamental statistics | |
|---|---|
| Market Cap | US$396.18b |
| Earnings (TTM) | US$14.51b |
| Revenue (TTM) | US$272.10b |
27.3x
P/E Ratio1.5x
P/S RatioIs UNH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UNH income statement (TTM) | |
|---|---|
| Revenue | US$272.10b |
| Cost of Revenue | US$205.96b |
| Gross Profit | US$66.14b |
| Expenses | US$51.63b |
| Earnings | US$14.51b |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 15.32 |
| Gross Margin | 24.31% |
| Net Profit Margin | 5.33% |
| Debt/Equity Ratio | 65.8% |
How did UNH perform over the long term?
See historical performance and comparisonDividends
1.4%
Current Dividend Yield34%
Payout RatioValuation
Is UnitedHealth Group undervalued compared to its fair value and its price relative to the market?
48.5%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UNH ($420.16) is trading below our estimate of fair value ($816.16)
Significantly Below Fair Value: UNH is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: UNH is poor value based on its PE Ratio (27.3x) compared to the US Healthcare industry average (22.6x).
PE vs Market: UNH is poor value based on its PE Ratio (27.3x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: UNH is poor value based on its PEG Ratio (2.6x)
Price to Book Ratio
PB vs Industry: UNH is overvalued based on its PB Ratio (5.7x) compared to the US Healthcare industry average (3.4x).
Future Growth
How is UnitedHealth Group forecast to perform in the next 1 to 3 years based on estimates from 20 analysts?
10.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UNH's forecast earnings growth (10.7% per year) is above the savings rate (2%).
Earnings vs Market: UNH's earnings (10.7% per year) are forecast to grow slower than the US market (14.8% per year).
High Growth Earnings: UNH's earnings are forecast to grow, but not significantly.
Revenue vs Market: UNH's revenue (7.2% per year) is forecast to grow slower than the US market (9.8% per year).
High Growth Revenue: UNH's revenue (7.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: UNH's Return on Equity is forecast to be high in 3 years time (28.5%)
Past Performance
How has UnitedHealth Group performed over the past 5 years?
17.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UNH has high quality earnings.
Growing Profit Margin: UNH's current net profit margins (5.3%) are lower than last year (6.9%).
Past Earnings Growth Analysis
Earnings Trend: UNH's earnings have grown by 17.9% per year over the past 5 years.
Accelerating Growth: UNH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UNH had negative earnings growth (-15.1%) over the past year, making it difficult to compare to the Healthcare industry average (32.2%).
Return on Equity
High ROE: UNH's Return on Equity (20.4%) is considered high.
Financial Health
How is UnitedHealth Group's financial position?
Financial Position Analysis
Short Term Liabilities: UNH's short term assets ($54.7B) do not cover its short term liabilities ($76.6B).
Long Term Liabilities: UNH's short term assets ($54.7B) do not cover its long term liabilities ($60.4B).
Debt to Equity History and Analysis
Debt Level: UNH's debt to equity ratio (65.8%) is considered high.
Reducing Debt: UNH's debt to equity ratio has reduced from 87.3% to 65.8% over the past 5 years.
Debt Coverage: UNH's debt is well covered by operating cash flow (43.1%).
Interest Coverage: UNH's interest payments on its debt are well covered by EBIT (13x coverage).
Balance Sheet
Dividend
What is UnitedHealth Group current dividend yield, its reliability and sustainability?
1.38%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UNH's dividend (1.38%) is higher than the bottom 25% of dividend payers in the US market (1.33%).
High Dividend: UNH's dividend (1.38%) is low compared to the top 25% of dividend payers in the US market (3.6%).
Stability and Growth of Payments
Stable Dividend: UNH's dividends per share have been stable in the past 10 years.
Growing Dividend: UNH's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (33.9%), UNH's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UNH's dividends in 3 years are forecast to be well covered by earnings (26.5% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.7yrs
Average management tenure
CEO
Andrew Witty (56 yo)
0.58
Tenure
US$12,857,176
Compensation
Sir Andrew Philip Witty has been the Chief Executive Officer and Director of UnitedHealth Group Incorporated since February 3, 2021 and served as its Group President since November 2019 until February 3, 2...
CEO Compensation Analysis
Compensation vs Market: Andrew's total compensation ($USD12.86M) is about average for companies of similar size in the US market ($USD11.33M).
Compensation vs Earnings: Andrew's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: UNH's management team is considered experienced (2.7 years average tenure).
Board Members
Experienced Board: UNH's board of directors are considered experienced (4 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: UNH insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
UnitedHealth Group Incorporated's company bio, employee growth, exchange listings and data sources
Key Information
- Name: UnitedHealth Group Incorporated
- Ticker: UNH
- Exchange: NYSE
- Founded: 1977
- Industry: Managed Health Care
- Sector: Healthcare
- Market Cap: US$396.176b
- Shares outstanding: 942.92m
- Website: https://www.unitedhealthgroup.com
Number of Employees
Location
- UnitedHealth Group Incorporated
- UnitedHealth Group Center
- 9900 Bren Road East
- Minnetonka
- Minnesota
- 55343
- United States
Listings
Biography
UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, OptumHealth, OptumInsight, and OptumRx. The UnitedHe...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/19 22:03 |
| End of Day Share Price | 2021/09/17 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
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 here.