#103USNYSE

UNH

UnitedHealth Group

$400.94USD

Data as of 2026-09-05

Composite Score64.5Strong

−11

Margin of safety−11%Overvalued

Fair value$361.77

Target$477.61

Loss chance37%Moderate-low

SizeMega cap

SectorHealth Care

Dividend2.31%

TypeCommon stock

Price

Pillar breakdown

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

Health Care median (n=163)

Quality
Profit margins & asset efficiency
92
Exceptional
Health Care median (n=163) 51
Value
Price vs fundamentals
64
Strong
Health Care median (n=163) 51
Growth
Revenue & earnings trajectory
40
Average
Health Care median (n=163) 50
Momentum
Recent price strength
67
Strong
Health Care median (n=163) 62
Health
Balance sheet & solvency
18
Poor
Health Care median (n=163) 56
Profitability
ROE, ROA, ROIC
67
Strong
Health Care median (n=163) 49
Technical
Trend & volatility signals
75
Exceptional
Health Care median (n=163) 62
Risk
Volatility & drawdown profile
49
Average
Health Care median (n=163) 47

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 UNH should be worth, then we compare to today's price.

Near fair value

Models suggest UNH is priced roughly in line

Today's price

$400.94

Median fair price

$361.77

-10% vs today's price

Of 4 methods:2 say fair2 say pricey

EV/EBITDAFair
thinks it's fairly priced — estimates $477.61, about 19% above today
P/E multiplesFair
thinks it's fairly priced — estimates $475.19, about 19% above today
DCF (2-stage)Overvalued
thinks it's expensive — estimates $248.35, about 38% below today
P/B multiplesOvervalued
thinks it's expensive — estimates $124.27, about 69% 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: $361.77
Margin of safety(vs fair value): -10.8%
Max (ex-outliers): $477.61
Tangible BVPS: —

Median of all applicable methods (current price $400.94). 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	$359.88B
Revenue (TTM)	$450.13B
Net income (TTM)	$14.91B
Operating cash flow (TTM)	$27.02B
CapEx (TTM)	$3.40B
Free cash flow (TTM)CFO − CapEx	$23.62B
Total assets	$309.73B
Total liabilities	$203.78B
Stockholders' equity	$33.02B
Cash & equivalents	$28.59B
Shares outstanding	897.59M
EPS (basic)	$16.61
EPS (diluted)	$16.61
P/E ratio (TTM)	24.13

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

Data quality

Latest filed date: 2026-08-10
Latest period end: 2026-07-31
Filing lag: 26 days
Missing metrics: 3(gross_profit, research_and_development, accounts_payable)