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.
$397.14
▼ -$3.80 (-0.95%)Today
Open
$397.05
High
$402.23
Low
$395.23
Volume
4.8M
$255.9752-Week Range$461.62
Current: $397.14 · Mid Range
MARKET CAP
$356.5B
P/E (TTM)
25.5x
P/B RATIO
3.7x
ROE
14.2%
EPS (TTM)▲ 0.4% Rev YoY
$15.57
DIVIDEND YIELD
2.34%
BETA
0.62
Defensive / low-beta
Company Info
Industry
Healthcare Plans
Country
United States
Leadership
MS
Mr. Stephen J. Hemsley
Chief Executive Officer
Stock Score
Best Value33/ 100
Val
54
Grw
13
Qly
27
Value 40%·Growth 35%·Quality 25%
Price History
$397.14▲ $76.89 (24.01%)
Overlays
Oscillators
Generating analysis...
01 / Income Statement
Income Statement
Revenue & Margin Trend
| Period | Revenue | OpEx | EBITDA | Net Income | EPS |
|---|---|---|---|---|---|
| 2022 | $324.16B | $51.18B | $31.84B | $20.12B | $21.18 |
| 2023 | $371.62B▲ | $58.60B | $36.33B | $22.38B▲ | $23.86 |
| 2024 | $400.28B▲ | $57.11B | $28.08B | $14.40B▼ | $15.51 |
| 2025 | $447.57B▲ | $63.95B | $23.06B | $12.06B▼ | $13.23 |
02 / Balance Sheet
Balance Sheet
Cash & Equivalents
$24.36B
Total Debt
$78.39B
Assets Distribution
Current Assets
Non-Current Assets
Liabilities & Equity
Current Liabilities
Non-Current Liabilities
Equity
03 / Cash Flow
Cash Flow
Positive free cash flow of $16.1B — 82% of operating cash flow.
Operating CF
$19.7B
Free Cash Flow
$16.1B
Investing CF
-$8.7B
Financing CF
-$11.6B
Cash Flow Mix
Operating Cash$19.7B
Investing Cash-$8.7B
Financing Cash-$11.6B
Net Change-$632M
FCF Generation
The company converts 82% of operating cash flow into free cash flow, providing ample flexibility for capital allocation.
CapEx Burden
Capital expenditures consume $8.7B of operating cash. Monitor for maintenance vs. growth CapEx split.
Is the cash flow sustainable?
Positive Free Cash Flow
The company has flexibility for dividends, buybacks, debt reduction, or reinvestment in growth opportunities.
04 / Financial Ratios
Financial Ratios
Profitability
Gross Margin
18.5%
Gross Profit / Revenue
Operating Margin
4.2%
Op. Income / Revenue
Net Margin
2.7%
Net Income / Revenue
ROIC
7.0%
Return on Invested Capital
Liquidity & Leverage
Current Ratio
0.79x
Current Assets / Current Liab.
Cash Ratio
0.21x
Cash / Current Liab.
Debt-to-Equity
0.83
Total Debt / Equity
Asset Turnover
1.45
Revenue / Total Assets
Returns
ROE
14.2%
Return on Equity
ROA
4.9%
Return on Assets
EPS (TTM)
$15.57
Earnings Per Share
06 / Historical Trends
Historical Trends
Revenue
+11.4% CAGRNet Income
-15.7% CAGREPS
-14.5% CAGR05 / Dividends
Dividends & Yield
Dividend Yield
2.34%
Annual
Annual Dividend
$9.29
Per Share
Payout Ratio
59.7%
Div / EPS
Est. Div Growth
+0.2%
Approx. YoY
Dividend Safety Assessment
The payout ratio of 60% is moderate. The dividend appears sustainable but leaves limited room for increases without earnings growth.
Recent Dividend Payments
| Date | Amount |
|---|---|
| 2026-06-15 | $2.32 |
| 2026-03-09 | $2.21 |
| 2025-12-08 | $2.21 |
| 2025-09-15 | $2.21 |
| 2025-06-16 | $2.21 |
| 2025-03-10 | $2.10 |
| 2024-12-09 | $2.10 |
| 2024-09-16 | $2.10 |
| 2024-06-17 | $2.10 |
| 2024-03-08 | $1.88 |
Institutional Ownership
Moderate Institutional Support
Top 3 institutional holders control 20.3% of shares, providing a stable foundation of institutional capital.
Retail Influence
Lower institutional concentration means retail sentiment and broader market trends may drive price action more noticeably.
Top Institutional Holders
Blackrock Inc.8.56%
76.86M shares
Vanguard Capital Management LLC6.61%
59.31M shares
State Street Corporation5.08%
45.63M shares
Capital World Investors3.33%
29.89M shares
FMR, LLC3.12%
27.99M shares
Top ETFs Holding
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.21%
28.83M shares
VANGUARD INDEX FUNDS-Vanguard 500 Index Fund2.62%
23.53M shares
SCHWAB STRATEGIC TRUST-Schwab US Dividend Equity ETF1.42%
12.71M shares
iShares Trust-iShares Core S&P 500 ETF1.39%
12.49M shares
Fidelity Concord Street Trust-Fidelity 500 Index Fund1.31%
11.74M shares
07 / Market Events
Market Events
Upcoming Earnings
OCT
27TUE
DateOct 27, 2026
DayTuesday
Revenue Est.$111.5B
EPS Est.$4.12
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2005-05-31 | Forward | 2:1 |
| 2003-06-19 | Forward | 2:1 |
| 2000-12-26 | Forward | 2:1 |
| 1994-03-11 | Forward | 2:1 |
| 1992-09-16 | Forward | 2:1 |
08 / Market Intelligence
Market Intelligence
Analyst Consensus
Consensus (27 Ratings)
Buy
Strong Buy
7
Buy
16
Hold
4
Sell
0
Strong Sell
0
Recent Insider Trades
CONWAY PATRICK HUGH
Officer
Sale
1,169 shs
CONWAY PATRICK HUGH
Officer
Sale
500 shs
BAKER CHARLES D
Director
Sale
220 shs
NOSEWORTHY JOHN H
Director
Sale
206 shs
Price Targets
Upside to Mean+19.7%
$313$475$529
Low
$313.00
Mean
$475.23
Median
$490.00
High
$529.00
Earnings History
Beat Rate
4/4
Avg Surprise
+10.9%
| Period | Est. EPS | Act. EPS | Surprise |
|---|---|---|---|
| 2025-09 | $2.81 | $2.92 | +4.0% |
| 2025-12 | $2.11 | $2.11 | +0.2% |
| 2026-03 | $6.60 | $7.23 | +9.5% |
| 2026-06 | $4.92 | $6.38 | +29.8% |