UNITEDHEALTH GROUP INC (1UNH.MI) Fundamental Analysis & Valuation

BIT:1UNH • US91324P1021

Current stock price

261.4 EUR
-2.6 (-0.98%)
Last:

This 1UNH.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 1UNH.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1UNH was profitable.
  • 1UNH had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1UNH has been profitable.
  • 1UNH had a positive operating cash flow in each of the past 5 years.
1UNH.MI Yearly Net Income VS EBIT VS OCF VS FCF1UNH.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

1.2 Ratios

  • 1UNH has a better Return On Assets (3.89%) than 79.31% of its industry peers.
  • 1UNH's Return On Equity of 12.05% is fine compared to the rest of the industry. 1UNH outperforms 72.41% of its industry peers.
  • 1UNH has a Return On Invested Capital of 5.09%. This is comparable to the rest of the industry: 1UNH outperforms 48.28% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 1UNH is above the industry average of 6.20%.
Industry RankSector Rank
ROA 3.89%
ROE 12.05%
ROIC 5.09%
ROA(3y)5.63%
ROA(5y)6.65%
ROE(3y)17.6%
ROE(5y)20.55%
ROIC(3y)8.75%
ROIC(5y)9.53%
1UNH.MI Yearly ROA, ROE, ROIC1UNH.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • 1UNH has a Profit Margin of 2.69%. This is comparable to the rest of the industry: 1UNH outperforms 58.62% of its industry peers.
  • 1UNH's Profit Margin has declined in the last couple of years.
  • 1UNH has a Operating Margin (4.24%) which is comparable to the rest of the industry.
  • 1UNH's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 4.24%
PM (TTM) 2.69%
GM N/A
OM growth 3Y-21.54%
OM growth 5Y-13.43%
PM growth 3Y-24.29%
PM growth 5Y-14.77%
GM growth 3YN/A
GM growth 5YN/A
1UNH.MI Yearly Profit, Operating, Gross Margins1UNH.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

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4

2. 1UNH.MI Health Analysis

2.1 Basic Checks

  • 1UNH has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, 1UNH has less shares outstanding
  • The number of shares outstanding for 1UNH has been reduced compared to 5 years ago.
  • The debt/assets ratio for 1UNH has been reduced compared to a year ago.
1UNH.MI Yearly Shares Outstanding1UNH.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
1UNH.MI Yearly Total Debt VS Total Assets1UNH.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

2.2 Solvency

  • 1UNH has a debt to FCF ratio of 4.99. This is a neutral value as 1UNH would need 4.99 years to pay back of all of its debts.
  • 1UNH has a better Debt to FCF ratio (4.99) than 82.76% of its industry peers.
  • 1UNH has a Debt/Equity ratio of 0.72. This is a neutral value indicating 1UNH is somewhat dependend on debt financing.
  • 1UNH has a Debt to Equity ratio of 0.72. This is in the better half of the industry: 1UNH outperforms 68.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 4.99
Altman-Z N/A
ROIC/WACC0.61
WACC8.4%
1UNH.MI Yearly LT Debt VS Equity VS FCF1UNH.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1UNH.MI Yearly Current Assets VS Current Liabilites1UNH.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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4

3. 1UNH.MI Growth Analysis

3.1 Past

  • The earnings per share for 1UNH have decreased strongly by -41.58% in the last year.
  • The Earnings Per Share has been decreasing by -0.67% on average over the past years.
  • Looking at the last year, 1UNH shows a quite strong growth in Revenue. The Revenue has grown by 11.81% in the last year.
  • 1UNH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.72% yearly.
EPS 1Y (TTM)-41.58%
EPS 3Y-9.75%
EPS 5Y-0.67%
EPS Q2Q%-69.02%
Revenue 1Y (TTM)11.81%
Revenue growth 3Y11.35%
Revenue growth 5Y11.72%
Sales Q2Q%12.31%

3.2 Future

  • The Earnings Per Share is expected to grow by 18.30% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 4.63% on average over the next years.
EPS Next Y10.55%
EPS Next 2Y10.88%
EPS Next 3Y13.68%
EPS Next 5Y18.3%
Revenue Next Year-1.59%
Revenue Next 2Y0.8%
Revenue Next 3Y2.57%
Revenue Next 5Y4.63%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1UNH.MI Yearly Revenue VS Estimates1UNH.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 200B 400B 600B
1UNH.MI Yearly EPS VS Estimates1UNH.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10 20 30 40 50

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3

4. 1UNH.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 18.77, which indicates a rather expensive current valuation of 1UNH.
  • 1UNH's Price/Earnings is on the same level as the industry average.
  • 1UNH's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.78.
  • The Price/Forward Earnings ratio is 16.98, which indicates a correct valuation of 1UNH.
  • Based on the Price/Forward Earnings ratio, 1UNH is valued a bit more expensive than 65.52% of the companies in the same industry.
  • 1UNH is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.77
Fwd PE 16.98
1UNH.MI Price Earnings VS Forward Price Earnings1UNH.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, 1UNH is valued a bit more expensive than 68.97% of the companies in the same industry.
  • 1UNH's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 17.68
EV/EBITDA 14.07
1UNH.MI Per share data1UNH.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as 1UNH's earnings are expected to grow with 13.68% in the coming years.
PEG (NY)1.78
PEG (5Y)N/A
EPS Next 2Y10.88%
EPS Next 3Y13.68%

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6

5. 1UNH.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.88%, 1UNH has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 1.89, 1UNH pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, 1UNH pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.88%

5.2 History

  • On average, the dividend of 1UNH grows each year by 12.43%, which is quite nice.
Dividend Growth(5Y)12.43%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 65.66% of the earnings are spent on dividend by 1UNH. This is not a sustainable payout ratio.
  • The dividend of 1UNH is growing, but earnings are growing more, so the dividend growth is sustainable.
DP65.66%
EPS Next 2Y10.88%
EPS Next 3Y13.68%
1UNH.MI Yearly Income VS Free CF VS Dividend1UNH.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B
1UNH.MI Dividend Payout.1UNH.MI Dividend Payout, showing the Payout Ratio.1UNH.MI Dividend Payout.PayoutRetained Earnings

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1UNH.MI Fundamentals: All Metrics, Ratios and Statistics

UNITEDHEALTH GROUP INC

BIT:1UNH (4/8/2026, 7:00:00 PM)

261.4

-2.6 (-0.98%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners84.08%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap237.27B
Revenue(TTM)447.57B
Net Income(TTM)12.06B
Analysts75.88
Price Target318.86 (21.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.88%
Yearly Dividend7.42
Dividend Growth(5Y)12.43%
DP65.66%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.45%
Min EPS beat(2)-0.58%
Max EPS beat(2)3.48%
EPS beat(4)1
Avg EPS beat(4)-2.3%
Min EPS beat(4)-9.92%
Max EPS beat(4)3.48%
EPS beat(8)5
Avg EPS beat(8)0.06%
EPS beat(12)9
Avg EPS beat(12)0.66%
EPS beat(16)13
Avg EPS beat(16)1.45%
Revenue beat(2)0
Avg Revenue beat(2)-1.21%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)-0.91%
Revenue beat(4)0
Avg Revenue beat(4)-1.53%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)-0.91%
Revenue beat(8)1
Avg Revenue beat(8)-1.05%
Revenue beat(12)5
Avg Revenue beat(12)-0.37%
Revenue beat(16)6
Avg Revenue beat(16)-0.33%
PT rev (1m)-0.36%
PT rev (3m)-9.18%
EPS NQ rev (1m)-2.58%
EPS NQ rev (3m)3.16%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-3.36%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-3%
Valuation
Industry RankSector Rank
PE 18.77
Fwd PE 16.98
P/S 0.62
P/FCF 17.68
P/OCF 14.37
P/B 2.78
P/tB 2.78
EV/EBITDA 14.07
EPS(TTM)13.93
EY5.33%
EPS(NY)15.4
Fwd EY5.89%
FCF(TTM)14.79
FCFY5.66%
OCF(TTM)18.2
OCFY6.96%
SpS421.05
BVpS94.16
TBVpS94.16
PEG (NY)1.78
PEG (5Y)N/A
Graham Number171.79
Profitability
Industry RankSector Rank
ROA 3.89%
ROE 12.05%
ROCE 6.25%
ROIC 5.09%
ROICexc 5.62%
ROICexgc 21.72%
OM 4.24%
PM (TTM) 2.69%
GM N/A
FCFM 3.51%
ROA(3y)5.63%
ROA(5y)6.65%
ROE(3y)17.6%
ROE(5y)20.55%
ROIC(3y)8.75%
ROIC(5y)9.53%
ROICexc(3y)9.73%
ROICexc(5y)10.65%
ROICexgc(3y)29.49%
ROICexgc(5y)31.32%
ROCE(3y)10.77%
ROCE(5y)11.72%
ROICexgc growth 3Y-15.05%
ROICexgc growth 5Y-8.06%
ROICexc growth 3Y-22.49%
ROICexc growth 5Y-14%
OM growth 3Y-21.54%
OM growth 5Y-13.43%
PM growth 3Y-24.29%
PM growth 5Y-14.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover1.45
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 4.99
Debt/EBITDA 3.1
Cap/Depr 83.05%
Cap/Sales 0.81%
Interest Coverage 250
Cash Conversion 82.92%
Profit Quality 130.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.4%
ROIC/WACC0.61
Cap/Depr(3y)84.55%
Cap/Depr(5y)83.03%
Cap/Sales(3y)0.86%
Cap/Sales(5y)0.86%
Profit Quality(3y)129.12%
Profit Quality(5y)123.75%
High Growth Momentum
Growth
EPS 1Y (TTM)-41.58%
EPS 3Y-9.75%
EPS 5Y-0.67%
EPS Q2Q%-69.02%
EPS Next Y10.55%
EPS Next 2Y10.88%
EPS Next 3Y13.68%
EPS Next 5Y18.3%
Revenue 1Y (TTM)11.81%
Revenue growth 3Y11.35%
Revenue growth 5Y11.72%
Sales Q2Q%12.31%
Revenue Next Year-1.59%
Revenue Next 2Y0.8%
Revenue Next 3Y2.57%
Revenue Next 5Y4.63%
EBIT growth 1Y-41.26%
EBIT growth 3Y-12.63%
EBIT growth 5Y-3.28%
EBIT Next Year29.57%
EBIT Next 3Y17.04%
EBIT Next 5Y17%
FCF growth 1Y-23.26%
FCF growth 3Y-12.42%
FCF growth 5Y-4.82%
OCF growth 1Y-19.36%
OCF growth 3Y-9.63%
OCF growth 5Y-2.7%

UNITEDHEALTH GROUP INC / 1UNH.MI Fundamental Analysis FAQ

What is the fundamental rating for 1UNH stock?

ChartMill assigns a fundamental rating of 4 / 10 to 1UNH.MI.


What is the valuation status of UNITEDHEALTH GROUP INC (1UNH.MI) stock?

ChartMill assigns a valuation rating of 3 / 10 to UNITEDHEALTH GROUP INC (1UNH.MI). This can be considered as Overvalued.


Can you provide the profitability details for UNITEDHEALTH GROUP INC?

UNITEDHEALTH GROUP INC (1UNH.MI) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for 1UNH stock?

The Price/Earnings (PE) ratio for UNITEDHEALTH GROUP INC (1UNH.MI) is 18.77 and the Price/Book (PB) ratio is 2.78.


Can you provide the dividend sustainability for 1UNH stock?

The dividend rating of UNITEDHEALTH GROUP INC (1UNH.MI) is 7 / 10 and the dividend payout ratio is 65.66%.