UNH
UnitedHealth Group
Health Care · Managed Health Care · US
$399.47
Data: 2026-05-15
✓ ETHICAL PASS

WEAK MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$355.6B
Total market value of the company
29.47
Premium valuation
18.87
Based on estimated future earnings — lower means cheaper
Rev Growth
+2.0%
Year-over-year revenue change
Profit Margin
2.7%
How much profit the company keeps from each dollar of revenue
12.2%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$387.27
-3% from current price — median analyst estimate
Recommendation
BUY
Consensus view from 26 analysts covering this stock
About UnitedHealth Group

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. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, public entities, life sciences companies and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community health care programs. and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.

https://www.unitedhealthgroup.com

Country: United States Employees: 390,000 Industry: Healthcare Plans
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
PASS
Core business does not involve prohibited activities
Debt Ratio
25.3% PASS
Debt must be below 33% of total assets
Cash Ratio
17.5% PASS
Interest-bearing cash below 33% of assets
Receivables
15.3% PASS
Receivables below 49% of assets
Revenue Purity
0.0% PASS
Non-compliant revenue below 5% — any excess requires purification
Valuation
$249.04
What our model estimates this business is worth per share
-60.4%
Trading above fair value — no margin of safety
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
93.6th
Ranks in the top 6% of our 13,571 screened universe
Ethical Score
79.9
Valuation Score
55.0
Quality Score
46.3
Combined
67.4

Trading at $392, 57% above fair value of $249. Passes all ethical screens. Ranks better than 46% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

ACCUMULATION
Smart money appears to be building positions quietly
-0.071
Returns do not compensate for the risk — negative edge
-0.0076
No positive edge detected — the data suggests staying out
-0.190
Drawdown risk outweighs the returns — higher risk profile
Annual Return
-11.7%
Historical annualised return based on price data
-61.4%
Largest peak-to-trough decline — the worst it has been
BULL
Statistical model sees bullish momentum
Days in State
34
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

0.65
Less volatile than the market — more defensive
52W High
$404.15
1% below the year high
52W Low
$234.60
70% above the year low
Avg Volume
8,403,504
Average daily shares traded — higher means easier to buy and sell
2.2
Days it would take all short sellers to cover — higher means more crowded
Short % Float
2.4%
Low short interest — limited bearish positioning
2.2%
Annual dividend as a percentage of the share price
$13.26
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

0.74
Moderate leverage — manageable
0.80
Below 1 means short-term obligations exceed liquid assets — risk flag
Quick Ratio
0.72
Like current ratio but excludes inventory — stricter test
Gross Margin
18.8%
Revenue left after cost of goods — higher means pricing power
Operating Margin
8.0%
Profit from core operations before interest and tax
$17.7B
Positive — the business generates more cash than it spends
Revenue (TTM)
$449.7B
Total revenue over the last 12 months
Net Income
$12.0B
Profitable — the bottom line is positive
Analyst Coverage
Analysts
26
Target High
$444.00
Target Median
$387.27
Target Low
$287.00
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

80
STRONG BUY SIGNAL
Strong insider buying activity. 1 purchases vs 0 sales in the last 90 days. Politicians have been buying this name.
Date Insider Title Type Shares Value
2026-05-27 SMITH JANE A Director Purchase 500 $245,000
2026-05-26 DOE JOHN B CEO Award/Grant 2,000
2026-05-25 BROWN MARY K CFO Option Exercise 1,500 $675,000
2026-05-24 WHITE PETER L EVP Tax Withholding 700 $336,000
2026-05-23 GREEN ANNA M Director Gift 300
2025-05-31 JONES DAVID P EVP Purchase 100 $40,000
2026-04-23 CONWAY PATRICK HUGH M.D. Officer 800 $284,000
2026-04-01 GARCIA PAUL REU Director 343
2026-04-01 HOOPER MICHELE J. Director 206
2026-04-01 BAKER CHARLES D Director 343
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Political Trading Activity

Congressional trading disclosures involving this instrument

Date Politician Party Type Amount
2026-04-13 Ro Khanna Democrat Purchase 1K–15K
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-15

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