UnitedHealth Group Incorporated logo

UnitedHealth Group Incorporated

UNH

NYSEHealthcareMedical - Healthcare Plans

Previous close

$390.11

+$5.26 · +1.37%

Aug 21, 4:00 PM ET

UNH company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

46

Fair Value

Momentum

65

Gaining

Sentiment

71

Bullish

Risk resilience

84

Low Risk

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Company profile

Company website

UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individual consumers. It also delivers specialized health coverage and wellness programs tailored for individuals aged 50 and older, addressing their needs for preventive and acute care, chronic disease management, and other age-specific health issues. This division further encompasses Medicaid plans, children's health insurance, dental benefits, and various hospital and clinical services. Optum Health focuses on delivering direct healthcare solutions and management services. It facilitates access to networks of specialist care providers, offers health management programs, direct care delivery, consumer engagement initiatives, and financial services. Its diverse clientele includes individuals (served directly through care systems), employers, insurance payers, and government organizations. Optum Insight specializes in providing technology, information, and consulting services to the healthcare industry. Its offerings include software and data products, advisory consulting arrangements, and outsourced managed services. Clients span hospital systems, physicians, health plans, governmental bodies, life sciences companies, and other relevant organizations. Finally, Optum Rx handles the company's pharmaceutical care services. This segment manages retail pharmacy networks, provides home prescription delivery, and offers specialty and compounding pharmacy capabilities. Leveraging its purchasing power and clinical expertise, Optum Rx also develops advanced programs related to step therapy, formulary management, medication adherence, and integrated disease and drug therapy management. UnitedHealth Group Incorporated, founded in 1977, has its corporate headquarters located in Minnetonka, Minnesota.

Industry
Medical - Healthcare Plans
Sector
Healthcare
Headquarters
US
CEO
Stephen J. Hemsley
Listed since
Oct 17, 1984
Employees
390,000

Market position

Day range

Current $390.11

52-week range

Current $390.11

Open
$385.06
Previous close
$384.85
Volume
4.88M
0.75× average
Average volume
6.5M
Average daily volume
Market cap
354.28B USD
Beta
0.63
Market reference 1
50-day average
$413.79
-5.72% below average
200-day average
$347.99
+12.10% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
354.42B USD
EV / EBITDA
15.37×
Earnings yield
4.01%
Free cash flow yield
5.35%

Profitability & efficiency

Return on equity
12.81%
Return on assets
3.89%
Return on invested capital
8.23%

Financial health

Current ratio
0.79×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends27%18%9%1%Gross margin, FY2021: 24.22%Gross margin, FY2022: 24.56%Gross margin, FY2023: 24.48%Gross margin, FY2024: 22.33%Gross margin, FY2025: 18.53%Operating margin, FY2021: 8.33%Operating margin, FY2022: 8.77%Operating margin, FY2023: 8.71%Operating margin, FY2024: 8.07%Operating margin, FY2025: 4.24%Net margin, FY2021: 6.01%Net margin, FY2022: 6.21%Net margin, FY2023: 6.02%Net margin, FY2024: 3.60%Net margin, FY2025: 2.69%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 24.22%. Gross margin FY2022 24.56%. Gross margin FY2023 24.48%. Gross margin FY2024 22.33%. Gross margin FY2025 18.53%. Operating margin FY2021 8.33%. Operating margin FY2022 8.77%. Operating margin FY2023 8.71%. Operating margin FY2024 8.07%. Operating margin FY2025 4.24%. Net margin FY2021 6.01%. Net margin FY2022 6.21%. Net margin FY2023 6.02%. Net margin FY2024 3.60%. Net margin FY2025 2.69%.

Income trends

Revenue

447.57B USD+11.81%

Operating income

18.96B USD-41.26%

Net income

12.06B USD-16.31%
Income trends across reported periods491.12B USD316.91B USD142.71B USD−31.5B USDRevenue, FY2021: 287.6B USDRevenue, FY2022: 324.16B USDRevenue, FY2023: 371.62B USDRevenue, FY2024: 400.28B USDRevenue, FY2025: 447.57B USDOperating income, FY2021: 23.97B USDOperating income, FY2022: 28.44B USDOperating income, FY2023: 32.36B USDOperating income, FY2024: 32.29B USDOperating income, FY2025: 18.96B USDNet income, FY2021: 17.29B USDNet income, FY2022: 20.12B USDNet income, FY2023: 22.38B USDNet income, FY2024: 14.41B USDNet income, FY2025: 12.06B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 287.6B USD. Revenue FY2022 324.16B USD. Revenue FY2023 371.62B USD. Revenue FY2024 400.28B USD. Revenue FY2025 447.57B USD. Operating income FY2021 23.97B USD. Operating income FY2022 28.44B USD. Operating income FY2023 32.36B USD. Operating income FY2024 32.29B USD. Operating income FY2025 18.96B USD. Net income FY2021 17.29B USD. Net income FY2022 20.12B USD. Net income FY2023 22.38B USD. Net income FY2024 14.41B USD. Net income FY2025 12.06B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue447.57B USD400.28B USD371.62B USD324.16B USD287.6B USD
Cost of goods sold364.65B USD310.88B USD280.66B USD244.55B USD217.95B USD
Gross profit82.92B USD89.4B USD90.96B USD79.62B USD69.65B USD
Operating expenses63.95B USD57.11B USD58.6B USD51.18B USD45.68B USD
Interest expense4B USD3.91B USD3.25B USD2.09B USD1.66B USD
Depreciation and amortization4.36B USD4.1B USD3.97B USD3.4B USD3.1B USD
Operating income18.96B USD32.29B USD32.36B USD28.44B USD23.97B USD
Net income12.06B USD14.41B USD22.38B USD20.12B USD17.29B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
82%
9 beats, 2 misses, 0 met estimates
Average EPS surprise
+4.48%
11 comparable reports
Latest EPS result
6.38
Estimate 4.94 · Beat by 29.15%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates7.715.733.761.79Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 16, 2025: actual 6.81, estimate 6.74, surprise +1.04%, Beat. Q2 2025, reported Apr 17, 2025: actual 7.2, estimate 7.29, surprise -1.23%, Miss. Q3 2025, reported Jul 29, 2025: actual 4.08, estimate 4.45, surprise -8.31%, Miss. Q4 2025, reported Oct 28, 2025: actual 2.92, estimate 2.8, surprise +4.29%, Beat. Q1 2026, reported Jan 27, 2026: actual 2.11, estimate 2.1, surprise +0.48%, Beat. Q2 2026, reported Apr 21, 2026: actual 7.23, estimate 6.46, surprise +11.92%, Beat. Q3 2026, reported Jul 16, 2026: actual 6.38, estimate 4.94, surprise +29.15%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 4.09, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates118.32B110.97B103.61B96.26BQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 16, 2025: actual 100.81B USD, estimate 101.6B USD, surprise -0.78%, Miss. Q2 2025, reported Apr 17, 2025: actual 109.58B USD, estimate 111.58B USD, surprise -1.80%, Miss. Q3 2025, reported Jul 29, 2025: actual 111.62B USD, estimate 111.52B USD, surprise +0.08%, Beat. Q4 2025, reported Oct 28, 2025: actual 113.16B USD, estimate 113.03B USD, surprise +0.12%, Beat. Q1 2026, reported Jan 27, 2026: actual 113.22B USD, estimate 113.77B USD, surprise -0.49%, Miss. Q2 2026, reported Apr 21, 2026: actual 112.03B USD, estimate 109.43B USD, surprise +2.38%, Beat. Q3 2026, reported Jul 16, 2026: actual 112.03B USD, estimate 110.81B USD, surprise +1.11%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 111.31B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$473.89

21.48% upside
Past 12 months12-month forecastHigh $529Average $473.89Low $373

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$8.73

2025 complete year+55.9% since 2021

2026 partial: $4.53

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 14, 2026

$2.32

Quarterly

Record Sep 14, 2026 · Payment Sep 22, 2026

Dividend

Ex-dividend Jun 15, 2026

$2.32

Quarterly

Record Jun 15, 2026 · Payment Jun 23, 2026

Dividend

Ex-dividend Mar 9, 2026

$2.21

Quarterly

Record Mar 9, 2026 · Payment Mar 17, 2026

Dividend

Ex-dividend Dec 8, 2025

$2.21

Quarterly

Record Dec 8, 2025 · Payment Dec 16, 2025

Dividend

Ex-dividend Sep 15, 2025

$2.21

Quarterly

Record Sep 15, 2025 · Payment Sep 23, 2025

Dividend

Ex-dividend Jun 16, 2025

$2.21

Quarterly

Record Jun 16, 2025 · Payment Jun 24, 2025

UNH peers

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