Stock Scorecard
Stock Summary for Unitedhealth Group Inc (UNH) - $341.00 as of 12/15/2025 9:22:24 AM EST
Total Score
13 out of 30
Safety Score
67 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for UNH
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UNH
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UNH
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UNH
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UNH (67 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 10 |
| Stock Price Trend (Max of 10) | 2 |
| Book Value (Max of 10) | 10 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 5 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 1 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for UNH
Financial Details for UNH
Company Overview |
|
|---|---|
| Ticker | UNH |
| Company Name | Unitedhealth Group Inc |
| Country | USA |
| Description | UnitedHealth Group Incorporated is a premier American multinational managed healthcare and insurance company based in Minnetonka, Minnesota. As the largest insurance provider by net premiums and the second-largest healthcare entity by revenue, generating $257.1 billion as of 2020, UnitedHealth Group boasts a robust portfolio, with its UnitedHealthcare division contributing approximately 80% of total revenue. The company is strategically positioned to leverage the evolving healthcare landscape, demonstrating a commitment to innovation through investments in digital health, telemedicine, and data analytics, ultimately enhancing patient care while driving growth and operational efficiency. |
| Sector Name | HEALTHCARE |
| Industry Name | HEALTHCARE PLANS |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/15/2026 |
Stock Price History |
|
| Last Day Price | 341.00 |
| Price 4 Years Ago | 469.16 |
| Last Day Price Updated | 12/15/2025 9:22:24 AM EST |
| Last Day Volume | 7,684,136 |
| Average Daily Volume | 7,714,867 |
| 52-Week High | 594.32 |
| 52-Week Low | 231.57 |
| Last Price to 52 Week Low | 47.26% |
Valuation Measures |
|
| Trailing PE | 17.82 |
| Industry PE | 28.30 |
| Sector PE | 95.45 |
| 5-Year Average PE | 22.09 |
| Free Cash Flow Ratio | 11.35 |
| Industry Free Cash Flow Ratio | 11.31 |
| Sector Free Cash Flow Ratio | 29.98 |
| Current Ratio Most Recent Quarter | 0.82 |
| Total Cash Per Share | 30.04 |
| Book Value Per Share Most Recent Quarter | 105.72 |
| Price to Book Ratio | 3.23 |
| Industry Price to Book Ratio | 2.97 |
| Sector Price to Book Ratio | 41.48 |
| Price to Sales Ratio Twelve Trailing Months | 0.71 |
| Industry Price to Sales Ratio Twelve Trailing Months | 0.93 |
| Sector Price to Sales Ratio Twelve Trailing Months | 15.48 |
| Analyst Buy Ratings | 12 |
| Analyst Strong Buy Ratings | 6 |
Share Statistics |
|
| Total Shares Outstanding | 905,839,000 |
| Market Capitalization | 308,891,099,000 |
| Institutional Ownership | 83.83% |
Dividends |
|
| Ex-Dividend Date | 12/8/2025 |
| Previous Dividend Amount | 2.2100 |
| Current Dividend Amount | 2.2100 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 8.73 |
| Trailing Annual Dividend Yield | 2.59% |
| Forward Annual Dividend Rate | 8.84 |
| Forward Annual Dividend Yield | 2.63% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 1.88% |
| 5-Year Average Dividend Yield | 1.62% |
| 1-Year Dividend Growth Rate Percentage | 6.72% |
| 3-Year Dividend Growth Rate Percentage | 9.43% |
| 5-Year Dividend Growth Rate Percentage | 11.74% |
| All-Time Dividend Growth Rate Percentage | 22.72% |
| Dividend Payout Ratio | 45.52% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -60.20% |
| Annual Earnings Growth | -35.64% |
| Reported EPS 12 Trailing Months | 19.18 |
| Reported EPS Past Year | 13.85 |
| Reported EPS Prior Year | 27.03 |
| Net Income Twelve Trailing Months | 17,589,000,000 |
| Net Income Past Year | 14,405,000,000 |
| Net Income Prior Year | 22,381,000,000 |
| Quarterly Revenue Growth YOY | 12.20% |
| 5-Year Revenue Growth | 10.57% |
| Operating Margin Twelve Trailing Months | 3.81% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 27,210,000,000 |
| Total Cash Past Year | 25,312,000,000 |
| Total Cash Prior Year | 25,427,000,000 |
| Net Cash Position Most Recent Quarter | -45,189,000,000 |
| Net Cash Position Past Year | -47,047,000,000 |
| Long Term Debt Past Year | 72,359,000,000 |
| Long Term Debt Prior Year | 58,263,000,000 |
| Total Debt Most Recent Quarter | 72,399,000,000 |
| Equity to Debt Ratio Past Year | 0.56 |
| Equity to Debt Ratio Most Recent Quarter | 0.57 |
| Total Stockholder Equity Past Year | 92,658,000,000 |
| Total Stockholder Equity Prior Year | 88,756,000,000 |
| Total Stockholder Equity Most Recent Quarter | 95,787,000,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 17,372,000,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 19.18 |
| Free Cash Flow Past Year | 20,705,000,000 |
| Free Cash Flow Prior Year | 25,682,000,000 |
Options |
|
| Put/Call Ratio | 0.71 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -3.02 |
| MACD Signal | -5.43 |
| 20-Day Bollinger Lower Band | 253.89 |
| 20-Day Bollinger Middle Band | 321.47 |
| 20-Day Bollinger Upper Band | 389.05 |
| Beta | 0.43 |
| RSI | 55.81 |
| 50-Day SMA | 387.08 |
| 150-Day SMA | 462.82 |
| 200-Day SMA | 468.50 |
System |
|
| Modified | 12/13/2025 11:49:48 AM EST |