#199USNYSE

UNH

UnitedHealth Group

$436.35USD

Data as of 2026-07-21

Composite Score60.9Strong

−39

Margin of safety−39%Overvalued

Fair value$313.16

Target$388.29

Loss chance48%Neutral

SizeMega cap

SectorHealth Care

Dividend2.20%

TypeCommon stock

Price

Pillar breakdown

0–100 percentile rank against the current universe (sector-relative for Quality / Value / Growth / Profitability)

Health Care median (n=166)

Quality
Profit margins & asset efficiency
91
Exceptional
Health Care median (n=166) 50
Value
Price vs fundamentals
44
Average
Health Care median (n=166) 52
Growth
Revenue & earnings trajectory
36
Weak
Health Care median (n=166) 50
Momentum
Recent price strength
83
Exceptional
Health Care median (n=166) 49
Health
Balance sheet & solvency
17
Poor
Health Care median (n=166) 57
Profitability
ROE, ROA, ROIC
67
Strong
Health Care median (n=166) 48
Technical
Trend & volatility signals
67
Strong
Health Care median (n=166) 56
Risk
Volatility & drawdown profile
51
Average
Health Care median (n=166) 46

025405570100

Exceptional (70+)Strong (55–70)Average (40–55)Weak (25–40)Poor (<25)

Pillars not shown: Sentiment, ML (Phase 5+).

Fair price check

4 different valuation methods each estimate what UNHshould be worth, then we compare to today's price.

Looks overvalued

Models suggest UNH is trading above fair value

Today's price

$436.35

Median fair price

$313.16

-28% vs today's price

Of 4 methods:4 say pricey

P/E multiplesOvervalued
thinks it's expensive — estimates $388.29, about 11% below today
EV/EBITDAOvervalued
thinks it's expensive — estimates $386.55, about 11% below today
DCF (2-stage)Overvalued
thinks it's expensive — estimates $239.77, about 45% below today
P/B multiplesOvervalued
thinks it's expensive — estimates $126.23, about 71% below today

How to read this: “Cheap” = method's fair price is at least 20% above today. “Fair” = within ±10–20%. “Pricey” = at least 10% below today. Outliers (values more than 5× or less than 0.2× today's price) are excluded.

Fair price ensemble

Median fair: $313.16
Margin of safety(vs fair value): -39.3%
Max (ex-outliers): $388.29
Tangible BVPS: —

Median of all applicable methods (current price $436.35). Per-method estimates + each method’s cheap/fair/pricey read are in the Fair price check above. Outliers above 5× or below 0.2× current price are excluded from the max but kept in the median. See methodology for the 6-method ensemble + 7 defenses.

Defense layer. Flags mark elevated risk, never confirmed fraud. This model cannot catch every manipulation and decays after publication — weigh it against its stated error rates.

Supporting dataRaw fundamentals & data-quality provenance behind the scores above

Raw fundamentals (SEC EDGAR)

Metric	Value
Market cap	$396.27B
Revenue (TTM)	$449.71B
Net income (TTM)	$12.81B
Operating cash flow (TTM)	$23.15B
CapEx (TTM)	$3.49B
Free cash flow (TTM)CFO − CapEx	$19.67B
Total assets	$312.64B
Total liabilities	$207.32B
Stockholders' equity	$33.02B
Cash & equivalents	$28.00B
Shares outstanding	908.14M
EPS (basic)	$14.11
EPS (diluted)	$14.11
P/E ratio (TTM)	30.92

TTM = trailing twelve months. Balance sheet items are point-in-time (latest filing).

Data quality

Latest filed date: 2026-05-05
Latest period end: 2026-04-30
Filing lag: 77 days
Missing metrics: 3(gross_profit, research_and_development, accounts_payable)