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 | 2/6 |
| 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$369.74 |
| 52 Week High | US$390.92 |
| 52 Week Low | US$234.60 |
| Beta | 0.65 |
| 1 Month Change | 20.15% |
| 3 Month Change | 33.65% |
| 1 Year Change | -4.10% |
| 3 Year Change | -24.35% |
| 5 Year Change | -9.50% |
| Change since IPO | 116,756.19% |
Recent News & Updates
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.Seeking Alpha • Apr 27
UnitedHealth: Solid Renewal Cadence With 2027 Tailwinds
Summary UnitedHealth has delivered a solid renewal cadence as the premium repricing triggers the more sustainable membership base, the lower Medical Care Ratio, and the richer profit margins in FQ1 '26. This is aided by the higher-than-expected average payment hike for 2027 Medicare Advantage plans, with it driving the company's multi-year margin recovery tailwinds. UNH’s multi-year recovery prospects may trigger near-term valuation noise, albeit worsened by the recent stock price rally and the overbought technical indicator. I recommend patience for those looking to add, preferably nearer to my Buy Zones of $310s/$320s for an improved margin of safety to my LTPT of $428. Those levels may also unlock UNH's expanded forward dividend yields at approximately ~2.8%, against the current levels of 2.49% and the 5-year averages of 1.39%. Read the full article on Seeking AlphaRecent updates
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.Seeking Alpha • Apr 27
UnitedHealth: Solid Renewal Cadence With 2027 Tailwinds
Summary UnitedHealth has delivered a solid renewal cadence as the premium repricing triggers the more sustainable membership base, the lower Medical Care Ratio, and the richer profit margins in FQ1 '26. This is aided by the higher-than-expected average payment hike for 2027 Medicare Advantage plans, with it driving the company's multi-year margin recovery tailwinds. UNH’s multi-year recovery prospects may trigger near-term valuation noise, albeit worsened by the recent stock price rally and the overbought technical indicator. I recommend patience for those looking to add, preferably nearer to my Buy Zones of $310s/$320s for an improved margin of safety to my LTPT of $428. Those levels may also unlock UNH's expanded forward dividend yields at approximately ~2.8%, against the current levels of 2.49% and the 5-year averages of 1.39%. Read the full article on Seeking Alpha
New Narrative • Apr 17
UnitedHealth Group (UNH): The Managed Care Sovereign and the Q1 Margin Turnaround
UnitedHealth Group (UNH) , the undisputed heavyweight of American healthcare, enters Friday, April 17, 2026 , as the primary focal point for the managed care sector. Currently trading at $323.77 USD , the stock has enjoyed a powerful 18.2% surge over the last two weeks, a recovery fueled by shifting regulatory winds and renewed confidence in its core insurance and services divisions.
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...Analysis Article • May 13
Positive Sentiment Still Eludes UnitedHealth Group Incorporated (NYSE:UNH) Following 37% Share Price Slump
UnitedHealth Group Incorporated ( NYSE:UNH ) shares have had a horrible month, losing 37% after a relatively good...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 AlphaSeeking Alpha • Apr 17
Down 20%, Still A Buy: Why I'm Doubling Down On UnitedHealth Group
Summary UnitedHealth Group Incorporated is down 20% after a Q1 earnings miss and lowered guidance, presenting a rare buying opportunity for a quality stock. Despite short-term challenges, UNH remains a defensive leader with resilient revenue streams, making it a strong buy during economic downturns. UNH's combination of stable insurance revenue and high-growth potential from Optum, along with a favorable valuation, underscores its long-term investment appeal. The recent sell-off appears overblown, and UNH's strong fundamentals, including dividends and buybacks, make it a compelling long-term investment. Read the full article on Seeking AlphaSeeking Alpha • Apr 09
UnitedHealth Group: Why Gains On CMS Rate Decision May Not Be Extended
Summary Health insurance stocks surged yesterday as CMS announced a significant increase in Medicare Advantage reimbursement rates for 2026, benefiting companies like UnitedHealth Group Incorporated, Humana, and CVS Health. UnitedHealth is well-positioned with improved guidance for 2025, but faces ongoing challenges like high healthcare costs, drug pricing, and public perception issues. Despite recent gains, UNH stock remains at risk due to unresolved healthcare dynamics and potential policy changes under different governmental administrations. Maintaining a "Hold" rating on UnitedHealth stock due to uncertainty and the need for significant industry changes to restore trust and ensure sustainable growth. Read the full article on Seeking AlphaSeeking Alpha • Mar 27
UnitedHealth Group: Will 2025 Finally Be A Normal Year?
Summary UnitedHealth Group has shown unparalleled resiliency, growing adjusted earnings by over 10% despite facing significant headwinds, making it a 'Buy' at historical lows. The company endured a tough period with regulatory scrutiny, higher utilization rates, a cyberattack, and the tragic shooting of a key executive. Q4 marked a bottom for growth and profitability, with revenues of $101 billion and adjusted EPS of $6.74, showing mixed segment profitability. UNH's 2025 guidance reflects optimism, with expected revenue growth of 13% and EPS growth of 7%, aiming for a "normal" year. Read the full article on Seeking AlphaSeeking Alpha • Feb 24
UnitedHealth: Well Oversold And Undervalued, Despite Significant Headwinds
Summary UnitedHealth Group faces unconfirmed allegations of inflating risk ratings for reimbursements, causing market panic despite no DOJ confirmation or filed charges. UNH's diversified business model and robust forward guidance suggest the market has likely overreacted to these headwinds. UNH's valuation is arguably undervalued now, while its price action suggests a strong support zone is in place for dip buyers. Investors are urged to focus on fundamentals and price action, and avoid selling into panic on a high-quality healthcare sector leader. Read the full article on Seeking AlphaSeeking Alpha • Feb 17
UnitedHealth Group: Buy The Dip
Summary Since my last writing, some headwinds (e.g., on the Medicare Advantage and Medicaid fronts) have been developing around UNH. They have caused a significant price pullback. I consider the headwinds to be only temporary and the pullback overdone. The growth in legacy health insurance and Optum branches also provide a strong counterbalance to these headwinds. Thus, the price pullback offers an attractive entry point for this wonderful business, especially for dividend growth or GARP (growth at reasonable price) investors. Read the full article on Seeking AlphaSeeking Alpha • Jan 30
UnitedHealth Group: Delivered Satisfactory Growth Despite Bumps
Summary UnitedHealth shares have lagged for two years, despite revenue and earnings per share growing 8% and 10% respectively in 2024. Managed care margins are under pressure due to normalized utilization and stricter government oversight post-pandemic. UnitedHealth has navigated challenges well, compounding revenue and earnings per share at 11% and 12% over two years. The company trades at a reasonable valuation, reflecting its quality and resilience amid policy risks in the US healthcare system. Read the full article on Seeking AlphaSeeking Alpha • Jan 17
UnitedHealth: The Anatomy Of A Bearish Setup With Parameters To Confirm Or Deny (Technical Analysis)
Summary UNH is trading at a historically normal valuation, but large valuation swings are possible due to earnings surprises or regulatory actions. Emotions and narratives can skew investment decisions; instead, try our methodology with specific parameters to guide trading. Public sentiment moves in predictable waves, which can be tracked using math-based extensions and retracements. Current analysis shows a bearish setup for as long as below the recent high of $547. Read the full article on Seeking AlphaShareholder Returns
| UNH | US Healthcare | US Market | |
|---|---|---|---|
| 7D | -0.2% | 2.6% | 2.1% |
| 1Y | -4.1% | 1.0% | 30.6% |
Return vs Industry: UNH underperformed the US Healthcare industry which returned 1% over the past year.
Return vs Market: UNH underperformed the US Market which returned 30.6% over the past year.
Price Volatility
| UNH volatility | |
|---|---|
| UNH Average Weekly Movement | 4.8% |
| Healthcare Industry Average Movement | 7.8% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.1% |
| 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 (5%) 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$333.54b |
| Earnings (TTM) | US$12.04b |
| Revenue (TTM) | US$449.71b |
27.9x
P/E Ratio0.7x
P/S RatioIs UNH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UNH income statement (TTM) | |
|---|---|
| Revenue | US$449.71b |
| Cost of Revenue | US$365.16b |
| Gross Profit | US$84.55b |
| Other Expenses | US$72.51b |
| Earnings | US$12.04b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 13.26 |
| Gross Margin | 18.80% |
| Net Profit Margin | 2.68% |
| Debt/Equity Ratio | 74.0% |
How did UNH perform over the long term?
See historical performance and comparisonDividends
2.4%
Current Dividend Yield67%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/07 12:44 |
| End of Day Share Price | 2026/05/07 00:00 |
| Earnings | 2026/03/31 |
| 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 |
| |
| 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 47 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 |