UnitedHealth Group Incorporated (UNH) is a Healthcare company in the Healthcare Plans industry with a 64% Hold Score. Key strengths include Return on Equity (14.2%). The score on this page is a five-factor screen — revenue growth, gross margin, net margin, return on equity and debt-to-equity — each scored against fixed thresholds from a neutral starting point of 50%. The eight-section analysis, including moat, free cash flow, dilution and valuation, runs in the full report.
This analysis is generated by StrongBuyAnalytics AI using publicly available financial data from SEC filings, earnings reports, and market feeds. It is not personalized investment advice. See our methodology and disclaimer.
3 of the inputs in our model moved UNH's score away from the neutral baseline of 50%, landing it at 64% (Hold). Each one below is a specific figure from UnitedHealth Group Incorporated's reported financials, not a judgement call:
5 data points sit outside the score itself but bear on UnitedHealth Group Incorporated's next few quarters. They are reported here as observations, not predictions:
UNH is the only Healthcare Plans company we cover, so the comparison uses the nearest Healthcare companies by market capitalisation instead.
1 measurable risk showed up in UnitedHealth Group Incorporated's numbers. This is not a complete list of what could go wrong — only what is visible in the data we score:
UnitedHealth Group Incorporated's liquidity and cash generation as of the most recent filing — note the cash position of $31.47B against $73.33B of debt:
Figures are drawn from UnitedHealth Group Incorporated's most recent balance sheet and cash flow statement as filed with the SEC. See the filings themselves.
Institutional investment managers with >$100 M in qualifying assets must disclose their equity positions quarterly on SEC Form 13F — typically within 45 days of quarter-end. Search those filings below to see which hedge funds, mutual funds, and asset managers reported UNH as a holding, how many shares they held, and how positions changed quarter over quarter.
We do not answer that question for you, and we do not publish buy or sell calls. What we publish is a score: UNH rates 64% on our five-factor fundamentals screen, which puts it in the "Hold" band. Everything below explains how it got there so you can disagree with it.
UnitedHealth Group Incorporated clears some of our thresholds and misses others. On the positive side, return on equity (14.2%). A middling score means the fundamentals are genuinely ambiguous, not that we have hedged.
UnitedHealth Group Incorporated reported revenue growth of 0.4% year over year, against a Healthcare Plans peer set where scale and pricing power vary widely. Growth that slow contributes little to the score on its own; margins and capital efficiency carry more weight for UNH.
Earnings grew 61.5% over the same period, outpacing revenue — a sign of operating leverage.
Track upcoming report dates on our earnings calendar.
This is a fundamentals outlook, not a price target — we do not publish one. It describes what UnitedHealth Group Incorporated's current financials imply about the next three to twelve months if the trends in them hold.
Mixed: Revenue growth of 0.4% sits alongside metrics that neither help nor hurt the score materially. On the fundamentals alone there is no strong case in either direction for UNH at present.
These are the UnitedHealth Group Incorporated figures that push the score up, taken straight from the most recent reported financials:
See how every metric on this UNH page — quality score, valuation, DCF scenarios, confidence, and data limitations — fits into a professional research report.
Generate My Free UNH ReportGuides to the specific measures used in this UNH analysis:
How the financial statements behind this page fit together.
Understanding P/E RatioWhat UNH's 25.1x multiple does and does not tell you.
Return on Equity (ROE)Why UNH's 14.2% return on equity matters for stock selection.
Stock Valuation MethodsHow DCF, multiples and asset-based approaches value a company like UnitedHealth Group Incorporated.
How to Read Earnings ReportsWhere the UNH growth and margin figures on this page come from.
What Are Demand Zones?The technical side we deliberately keep out of the UNH score.
Latest SEC filings for UNH explained in plain English — insider buys/sells (Form 4), proposed sales (Form 144), material events (8-K), and quarterly & annual reports.
