UNITEDHEALTH GROUP INC (1UNH.MI) Stock Fundamental Analysis
BIT:1UNH - Euronext Milan - US91324P1021 - Common Stock - Currency: EUR
Overall 1UNH gets a fundamental rating of 6 out of 10. We evaluated 1UNH against 25 industry peers in the Health Care Providers & Services industry. While 1UNH belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. 1UNH has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
1UNH had positive earnings in the past year.
In the past year 1UNH had a positive cash flow from operations.
In the past 5 years 1UNH has always been profitable.
1UNH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.14%, 1UNH belongs to the top of the industry, outperforming 88.00% of the companies in the same industry.
1UNH has a better Return On Equity (21.93%) than 96.00% of its industry peers.
1UNH's Return On Invested Capital of 8.68% is amongst the best of the industry. 1UNH outperforms 84.00% of its industry peers.
1UNH had an Average Return On Invested Capital over the past 3 years of 10.14%. This is above the industry average of 6.33%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.14% | ||
| ROE | 21.93% | ||
| ROIC | 8.68% |
ROA(3y)7.06%
ROA(5y)7.43%
ROE(3y)22.21%
ROE(5y)22.85%
ROIC(3y)10.14%
ROIC(5y)10.16%
1.3 Margins
The Profit Margin of 1UNH (5.39%) is better than 84.00% of its industry peers.
1UNH's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 8.16%, 1UNH is doing good in the industry, outperforming 72.00% of the companies in the same industry.
1UNH's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.16% | ||
| PM (TTM) | 5.39% | ||
| GM | N/A |
OM growth 3Y-1.09%
OM growth 5Y-0.16%
PM growth 3Y-15.71%
PM growth 5Y-8.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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.
1UNH has less shares outstanding than it did 1 year ago.
1UNH has less shares outstanding than it did 5 years ago.
1UNH has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of 1UNH is 3.31, which is a good value as it means it would take 1UNH, 3.31 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of 1UNH (3.31) is better than 88.00% of its industry peers.
A Debt/Equity ratio of 0.71 indicates that 1UNH is somewhat dependend on debt financing.
The Debt to Equity ratio of 1UNH (0.71) is better than 64.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 3.31 | ||
| Altman-Z | N/A |
ROIC/WACC1.08
WACC8.07%
2.3 Liquidity
A Current Ratio of 0.88 indicates that 1UNH may have some problems paying its short term obligations.
1UNH has a Current ratio (0.88) which is in line with its industry peers.
A Quick Ratio of 0.88 indicates that 1UNH may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.88, 1UNH is in line with its industry, outperforming 52.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.88 | ||
| Quick Ratio | 0.88 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.46% over the past year.
Measured over the past years, 1UNH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.07% on average per year.
Looking at the last year, 1UNH shows a quite strong growth in Revenue. The Revenue has grown by 8.06% in the last year.
Measured over the past years, 1UNH shows a quite strong growth in Revenue. The Revenue has been growing by 10.57% on average per year.
EPS 1Y (TTM)7.46%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%0.56%
Revenue 1Y (TTM)8.06%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%9.49%
3.2 Future
Based on estimates for the next years, 1UNH will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.48% on average per year.
The Revenue is expected to grow by 9.01% on average over the next years. This is quite good.
EPS Next Y-12.93%
EPS Next 2Y0.03%
EPS Next 3Y4.28%
EPS Next 5Y12.48%
Revenue Next Year12.38%
Revenue Next 2Y9.78%
Revenue Next 3Y9.03%
Revenue Next 5Y9.01%
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 stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.81, the valuation of 1UNH can be described as very reasonable.
1UNH's Price/Earnings ratio is rather cheap when compared to the industry. 1UNH is cheaper than 92.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1UNH to the average of the S&P500 Index (26.25), we can say 1UNH is valued rather cheaply.
A Price/Forward Earnings ratio of 10.82 indicates a reasonable valuation of 1UNH.
Based on the Price/Forward Earnings ratio, 1UNH is valued a bit cheaper than 80.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1UNH to the average of the S&P500 Index (22.15), we can say 1UNH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 10.82 |
4.2 Price Multiples
68.00% of the companies in the same industry are more expensive than 1UNH, based on the Enterprise Value to EBITDA ratio.
1UNH's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.17 | ||
| EV/EBITDA | 8.53 |
4.3 Compensation for Growth
1UNH has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.83
EPS Next 2Y0.03%
EPS Next 3Y4.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.82%, 1UNH has a reasonable but not impressive dividend return.
The stock price of 1UNH dropped by -44.63% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
1UNH's Dividend Yield is rather good when compared to the industry average which is at 2.80. 1UNH pays more dividend than 84.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, 1UNH has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
5.2 History
On average, the dividend of 1UNH grows each year by 14.73%, which is quite nice.
Dividend Growth(5Y)14.73%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1UNH pays out 34.90% of its income as dividend. This is a sustainable payout ratio.
1UNH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP34.9%
EPS Next 2Y0.03%
EPS Next 3Y4.28%
BIT:1UNH (5/28/2025, 7:00:00 PM)
266.6
+2.1 (+0.79%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners89.44%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap241.84B
Analysts82.42
Price Target496.05 (86.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
Yearly Dividend7.23
Dividend Growth(5Y)14.73%
DP34.9%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.94%
Min EPS beat(2)-2.18%
Max EPS beat(2)0.29%
EPS beat(4)3
Avg EPS beat(4)0.08%
Min EPS beat(4)-2.18%
Max EPS beat(4)1.12%
EPS beat(8)7
Avg EPS beat(8)1.73%
EPS beat(12)11
Avg EPS beat(12)2.42%
EPS beat(16)15
Avg EPS beat(16)2.48%
Revenue beat(2)0
Avg Revenue beat(2)-2.35%
Min Revenue beat(2)-2.79%
Max Revenue beat(2)-1.92%
Revenue beat(4)1
Avg Revenue beat(4)-1.23%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)0.55%
Revenue beat(8)4
Avg Revenue beat(8)-0.32%
Revenue beat(12)5
Avg Revenue beat(12)-0.22%
Revenue beat(16)9
Avg Revenue beat(16)0.04%
PT rev (1m)-16.77%
PT rev (3m)-20.46%
EPS NQ rev (1m)-17.23%
EPS NQ rev (3m)-31.57%
EPS NY rev (1m)-16.44%
EPS NY rev (3m)-19.04%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 10.82 | ||
| P/S | 0.67 | ||
| P/FCF | 11.17 | ||
| P/OCF | 9.72 | ||
| P/B | 2.72 | ||
| P/tB | 2.72 | ||
| EV/EBITDA | 8.53 |
EPS(TTM)24.66
EY9.25%
EPS(NY)24.64
Fwd EY9.24%
FCF(TTM)23.87
FCFY8.95%
OCF(TTM)27.42
OCFY10.29%
SpS398.65
BVpS98.01
TBVpS98.01
PEG (NY)N/A
PEG (5Y)0.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.14% | ||
| ROE | 21.93% | ||
| ROCE | 11.17% | ||
| ROIC | 8.68% | ||
| ROICexc | 9.8% | ||
| ROICexgc | 37.81% | ||
| OM | 8.16% | ||
| PM (TTM) | 5.39% | ||
| GM | N/A | ||
| FCFM | 5.99% |
ROA(3y)7.06%
ROA(5y)7.43%
ROE(3y)22.21%
ROE(5y)22.85%
ROIC(3y)10.14%
ROIC(5y)10.16%
ROICexc(3y)11.32%
ROICexc(5y)11.36%
ROICexgc(3y)32.46%
ROICexgc(5y)32.01%
ROCE(3y)13.1%
ROCE(5y)13.1%
ROICexcg growth 3Y-2.11%
ROICexcg growth 5Y-0.12%
ROICexc growth 3Y-2.38%
ROICexc growth 5Y-0.43%
OM growth 3Y-1.09%
OM growth 5Y-0.16%
PM growth 3Y-15.71%
PM growth 5Y-8.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover1.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.71 | ||
| Debt/FCF | 3.31 | ||
| Debt/EBITDA | 1.89 | ||
| Cap/Depr | 87.77% | ||
| Cap/Sales | 0.89% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 74.94% | ||
| Profit Quality | 111.07% | ||
| Current Ratio | 0.88 | ||
| Quick Ratio | 0.88 | ||
| Altman-Z | N/A |
F-Score7
WACC8.07%
ROIC/WACC1.08
Cap/Depr(3y)84.34%
Cap/Depr(5y)80.61%
Cap/Sales(3y)0.88%
Cap/Sales(5y)0.86%
Profit Quality(3y)124.43%
Profit Quality(5y)123.8%
High Growth Momentum
Growth
EPS 1Y (TTM)7.46%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%0.56%
EPS Next Y-12.93%
EPS Next 2Y0.03%
EPS Next 3Y4.28%
EPS Next 5Y12.48%
Revenue 1Y (TTM)8.06%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%9.49%
Revenue Next Year12.38%
Revenue Next 2Y9.78%
Revenue Next 3Y9.03%
Revenue Next 5Y9.01%
EBIT growth 1Y3.95%
EBIT growth 3Y10.44%
EBIT growth 5Y10.4%
EBIT Next Year-3.21%
EBIT Next 3Y6.93%
EBIT Next 5Y12.34%
FCF growth 1Y-28.23%
FCF growth 3Y0.99%
FCF growth 5Y4.56%
OCF growth 1Y-24.21%
OCF growth 3Y2.39%
OCF growth 5Y5.37%