#162USNYSE

UNH

UnitedHealth Group

$378.52USD

Data as of 2026-10-14

Composite Score62.7Strong

−8

Margin of safety−8%Fair value

Fair value$349.21

Target$461.03

Loss chance37%Moderate-low

SizeMega cap

SectorHealth Care

Dividend2.45%

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
65
Strong
Health Care median (n=163) 52
Growth
Revenue & earnings trajectory
40
Average
Health Care median (n=163) 50
Momentum
Recent price strength
51
Average
Health Care median (n=163) 66
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
78
Exceptional
Health Care median (n=163) 57
Risk
Volatility & drawdown profile
42
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

$378.52

Median fair price

$349.21

-8% vs today's price

Of 4 methods:1 say cheap1 say fair2 say pricey

P/E multiplesUndervalued
thinks it's a bargain — estimates $461.03, about 22% above today
EV/EBITDAFair
thinks it's fairly priced — estimates $450.08, about 19% above today
DCF (2-stage)Overvalued
thinks it's expensive — estimates $248.35, about 34% below today
P/B multiplesOvervalued
thinks it's expensive — estimates $128.84, about 66% 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: $349.21
Margin of safety(vs fair value): -8.4%
Max (ex-outliers): $461.03
Tangible BVPS: —

Median of all applicable methods (current price $378.52). 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	$339.76B
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)	22.78

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: 65 days
Missing metrics: 3(gross_profit, research_and_development, accounts_payable)