UNITEDHEALTH GROUP INC (1UNH.MI) Stock Fundamental Analysis
BIT:1UNH - US91324P1021 - Common Stock
292.1 EUR
+26.25 (+9.87%)
1UNH gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 27 industry peers in the Health Care Providers & Services industry. 1UNH has an average financial health and profitability rating. 1UNH has a correct valuation and a medium growth rate.
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.
Each year in the past 5 years 1UNH had a positive operating cash flow.
1.2 Ratios
1UNH has a better Return On Assets (6.90%) than 85.19% of its industry peers.
1UNH has a Return On Equity of 21.20%. This is amongst the best in the industry. 1UNH outperforms 96.30% of its industry peers.
1UNH's Return On Invested Capital of 7.89% is amongst the best of the industry. 1UNH outperforms 81.48% 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 6.10%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.9% | ||
| ROE | 21.2% | ||
| ROIC | 7.89% |
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 (5.04%) is better than 77.78% of its industry peers.
In the last couple of years the Profit Margin of 1UNH has declined.
1UNH has a Operating Margin (7.27%) which is in line with its industry peers.
In the last couple of years the Operating Margin of 1UNH has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.27% | ||
| PM (TTM) | 5.04% | ||
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so 1UNH is still creating some value.
Compared to 1 year ago, 1UNH has less shares outstanding
Compared to 5 years ago, 1UNH has less shares outstanding
Compared to 1 year ago, 1UNH has a worse debt to assets ratio.
2.2 Solvency
1UNH has a debt to FCF ratio of 3.13. This is a good value and a sign of high solvency as 1UNH would need 3.13 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 3.13, 1UNH belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
1UNH has a Debt/Equity ratio of 0.73. This is a neutral value indicating 1UNH is somewhat dependend on debt financing.
The Debt to Equity ratio of 1UNH (0.73) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | 3.13 | ||
| Altman-Z | N/A |
ROIC/WACC0.94
WACC8.35%
2.3 Liquidity
1UNH has a Current Ratio of 0.88. This is a bad value and indicates that 1UNH is not financially healthy enough and could expect problems in meeting its short term obligations.
1UNH's Current ratio of 0.88 is on the low side compared to the rest of the industry. 1UNH is outperformed by 62.96% of its industry peers.
1UNH has a Quick Ratio of 0.88. This is a bad value and indicates that 1UNH is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of 1UNH (0.88) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.88 | ||
| Quick Ratio | 0.88 |
3. Growth
3.1 Past
The earnings per share for 1UNH have decreased by -5.40% in the last 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.
The Revenue has grown by 9.70% in the past year. This is quite good.
The Revenue has been growing by 10.57% on average over the past years. This is quite good.
EPS 1Y (TTM)-5.4%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%-40%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.66%
3.2 Future
The Earnings Per Share is expected to grow by 3.11% on average over the next years.
Based on estimates for the next years, 1UNH will show a small growth in Revenue. The Revenue will grow by 6.35% on average per year.
EPS Next Y-41.39%
EPS Next 2Y-20.21%
EPS Next 3Y-9.29%
EPS Next 5Y3.11%
Revenue Next Year11.73%
Revenue Next 2Y7.77%
Revenue Next 3Y6.89%
Revenue Next 5Y6.35%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.57, 1UNH is valued correctly.
1UNH's Price/Earnings ratio is rather cheap when compared to the industry. 1UNH is cheaper than 85.19% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1UNH to the average of the S&P500 Index (27.07), we can say 1UNH is valued slightly cheaper.
A Price/Forward Earnings ratio of 19.27 indicates a rather expensive valuation of 1UNH.
1UNH's Price/Forward Earnings ratio is in line with the industry average.
1UNH is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 19.27 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1UNH is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, 1UNH is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.27 | ||
| EV/EBITDA | 9.39 |
4.3 Compensation for Growth
The decent profitability rating of 1UNH may justify a higher PE ratio.
A cheap valuation may be justified as 1UNH's earnings are expected to decrease with -9.29% in the coming years.
PEG (NY)N/A
PEG (5Y)1.04
EPS Next 2Y-20.21%
EPS Next 3Y-9.29%
5. Dividend
5.1 Amount
1UNH has a Yearly Dividend Yield of 2.85%.
1UNH's Dividend Yield is rather good when compared to the industry average which is at 2.78. 1UNH pays more dividend than 85.19% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.46, 1UNH has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
5.2 History
The dividend of 1UNH is nicely growing with an annual growth rate of 14.73%!
Dividend Growth(5Y)14.73%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1UNH pays out 36.54% 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.
DP36.54%
EPS Next 2Y-20.21%
EPS Next 3Y-9.29%
BIT:1UNH (9/9/2025, 7:00:00 PM)
292.1
+26.25 (+9.87%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners90.48%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap264.55B
Analysts75.63
Price Target284.65 (-2.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
Yearly Dividend7
Dividend Growth(5Y)14.73%
DP36.54%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.05%
Min EPS beat(2)-9.92%
Max EPS beat(2)-2.18%
EPS beat(4)2
Avg EPS beat(4)-2.67%
Min EPS beat(4)-9.92%
Max EPS beat(4)1.12%
EPS beat(8)6
Avg EPS beat(8)0.29%
EPS beat(12)10
Avg EPS beat(12)1.09%
EPS beat(16)14
Avg EPS beat(16)1.55%
Revenue beat(2)0
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-2.79%
Max Revenue beat(2)-0.91%
Revenue beat(4)1
Avg Revenue beat(4)-1.27%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)0.55%
Revenue beat(8)3
Avg Revenue beat(8)-0.56%
Revenue beat(12)5
Avg Revenue beat(12)-0.28%
Revenue beat(16)8
Avg Revenue beat(16)-0.12%
PT rev (1m)-15.14%
PT rev (3m)-20.08%
EPS NQ rev (1m)-3.88%
EPS NQ rev (3m)-63.47%
EPS NY rev (1m)-26.67%
EPS NY rev (3m)-32.68%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)-0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 19.27 | ||
| P/S | 0.73 | ||
| P/FCF | 12.27 | ||
| P/OCF | 10.71 | ||
| P/B | 3.09 | ||
| P/tB | 3.09 | ||
| EV/EBITDA | 9.39 |
EPS(TTM)21.52
EY7.37%
EPS(NY)15.15
Fwd EY5.19%
FCF(TTM)23.81
FCFY8.15%
OCF(TTM)27.28
OCFY9.34%
SpS398.07
BVpS94.59
TBVpS94.59
PEG (NY)N/A
PEG (5Y)1.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.9% | ||
| ROE | 21.2% | ||
| ROCE | 10.15% | ||
| ROIC | 7.89% | ||
| ROICexc | 8.82% | ||
| ROICexgc | 33.7% | ||
| OM | 7.27% | ||
| PM (TTM) | 5.04% | ||
| GM | N/A | ||
| FCFM | 5.98% |
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-Score8
Asset Turnover1.37
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | 3.13 | ||
| Debt/EBITDA | 2.1 | ||
| Cap/Depr | 87.23% | ||
| Cap/Sales | 0.87% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 82.85% | ||
| Profit Quality | 118.76% | ||
| Current Ratio | 0.88 | ||
| Quick Ratio | 0.88 | ||
| Altman-Z | N/A |
F-Score8
WACC8.35%
ROIC/WACC0.94
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)-5.4%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%-40%
EPS Next Y-41.39%
EPS Next 2Y-20.21%
EPS Next 3Y-9.29%
EPS Next 5Y3.11%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.66%
Revenue Next Year11.73%
Revenue Next 2Y7.77%
Revenue Next 3Y6.89%
Revenue Next 5Y6.35%
EBIT growth 1Y-3.97%
EBIT growth 3Y10.44%
EBIT growth 5Y10.4%
EBIT Next Year-27.23%
EBIT Next 3Y-3.46%
EBIT Next 5Y4.32%
FCF growth 1Y-33.78%
FCF growth 3Y0.99%
FCF growth 5Y4.56%
OCF growth 1Y-29.96%
OCF growth 3Y2.39%
OCF growth 5Y5.37%