UNITEDHEALTH GROUP INC (1UNH.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1UNH - US91324P1021 - Common Stock
290.2 EUR
+1.6 (+0.55%)
Overall 1UNH gets a fundamental rating of 4 out of 10. We evaluated 1UNH against 29 industry peers in the Health Care Providers & Services industry. 1UNH has only an average score on both its financial health and profitability. 1UNH is quite expensive at the moment. It does show a decent 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
The Return On Assets of 1UNH (5.58%) is better than 86.21% of its industry peers.
1UNH has a Return On Equity of 18.36%. This is amongst the best in the industry. 1UNH outperforms 93.10% of its industry peers.
1UNH's Return On Invested Capital of 7.55% is fine compared to the rest of the industry. 1UNH outperforms 79.31% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 1UNH is above the industry average of 6.33%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 18.36% | ||
| ROIC | 7.55% |
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
1UNH's Profit Margin of 4.04% is fine compared to the rest of the industry. 1UNH outperforms 68.97% of its industry peers.
1UNH's Profit Margin has declined in the last couple of years.
The Operating Margin of 1UNH (6.06%) is comparable to the rest of the industry.
1UNH's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.06% | ||
| PM (TTM) | 4.04% | ||
| 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
1UNH has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for 1UNH has been reduced compared to 1 year ago.
1UNH has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1UNH has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.93 indicates that 1UNH is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of 1UNH (2.93) is better than 72.41% of its industry peers.
The Debt to FCF ratio of 1UNH is 4.61, which is a neutral value as it means it would take 1UNH, 4.61 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.61, 1UNH belongs to the top of the industry, outperforming 86.21% of the companies in the same industry.
A Debt/Equity ratio of 0.76 indicates that 1UNH is somewhat dependend on debt financing.
The Debt to Equity ratio of 1UNH (0.76) is better than 65.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 4.61 | ||
| Altman-Z | 2.93 |
ROIC/WACC0.87
WACC8.7%
2.3 Liquidity
1UNH has a Current Ratio of 0.95. This is a bad value and indicates that 1UNH is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.95, 1UNH is in line with its industry, outperforming 58.62% of the companies in the same industry.
A Quick Ratio of 0.95 indicates that 1UNH may have some problems paying its short term obligations.
1UNH has a Quick ratio (0.95) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.95 | ||
| Quick Ratio | 0.95 |
3. Growth
3.1 Past
The earnings per share for 1UNH have decreased strongly by -22.96% in the last year.
1UNH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.07% yearly.
1UNH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.48%.
The Revenue has been growing by 10.57% on average over the past years. This is quite good.
EPS 1Y (TTM)-22.96%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%-59.16%
Revenue 1Y (TTM)10.48%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.24%
3.2 Future
1UNH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.72% yearly.
1UNH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.
EPS Next Y-40.98%
EPS Next 2Y-19.86%
EPS Next 3Y-8.89%
EPS Next 5Y2.72%
Revenue Next Year11.62%
Revenue Next 2Y6.47%
Revenue Next 3Y6.02%
Revenue Next 5Y6.13%
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 decreasing.
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 16.23, 1UNH is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of 1UNH indicates a somewhat cheap valuation: 1UNH is cheaper than 65.52% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.17. 1UNH is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 19.02, 1UNH is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1UNH indicates a slightly more expensive valuation: 1UNH is more expensive than 65.52% of the companies listed in the same industry.
1UNH's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.23 | ||
| Fwd PE | 19.02 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1UNH indicates a slightly more expensive valuation: 1UNH is more expensive than 68.97% of the companies listed in the same industry.
1UNH's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.77 | ||
| EV/EBITDA | 11.81 |
4.3 Compensation for Growth
1UNH has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as 1UNH's earnings are expected to decrease with -8.89% in the coming years.
PEG (NY)N/A
PEG (5Y)1.24
EPS Next 2Y-19.86%
EPS Next 3Y-8.89%
5. Dividend
5.1 Amount
1UNH does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1UNH (1/5/2026, 7:00:00 PM)
290.2
+1.6 (+0.55%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners83.6%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap262.87B
Revenue(TTM)435.16B
Net Income(TTM)17.59B
Analysts74.55
Price Target351.08 (20.98%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend6.95
Dividend Growth(5Y)14.73%
DP44.61%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.22%
Min EPS beat(2)-9.92%
Max EPS beat(2)3.48%
EPS beat(4)2
Avg EPS beat(4)-2.08%
Min EPS beat(4)-9.92%
Max EPS beat(4)3.48%
EPS beat(8)6
Avg EPS beat(8)0.38%
EPS beat(12)10
Avg EPS beat(12)0.9%
EPS beat(16)14
Avg EPS beat(16)1.67%
Revenue beat(2)0
Avg Revenue beat(2)-0.91%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)-0.91%
Revenue beat(4)0
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)-0.91%
Revenue beat(8)2
Avg Revenue beat(8)-0.68%
Revenue beat(12)5
Avg Revenue beat(12)-0.31%
Revenue beat(16)7
Avg Revenue beat(16)-0.21%
PT rev (1m)2.17%
PT rev (3m)18.35%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)1.16%
EPS NY rev (1m)0.24%
EPS NY rev (3m)0.58%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.23 | ||
| Fwd PE | 19.02 | ||
| P/S | 0.71 | ||
| P/FCF | 17.77 | ||
| P/OCF | 14.73 | ||
| P/B | 3.22 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.81 |
EPS(TTM)17.88
EY6.16%
EPS(NY)15.26
Fwd EY5.26%
FCF(TTM)16.33
FCFY5.63%
OCF(TTM)19.7
OCFY6.79%
SpS408.84
BVpS89.99
TBVpS-35.08
PEG (NY)N/A
PEG (5Y)1.24
Graham Number190.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 18.36% | ||
| ROCE | 9.71% | ||
| ROIC | 7.55% | ||
| ROICexc | 8.39% | ||
| ROICexgc | 23.23% | ||
| OM | 6.06% | ||
| PM (TTM) | 4.04% | ||
| GM | N/A | ||
| FCFM | 3.99% |
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%
ROICexgc growth 3Y-2.11%
ROICexgc 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-Score9
Asset Turnover1.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 4.61 | ||
| Debt/EBITDA | 2.36 | ||
| Cap/Depr | 83.69% | ||
| Cap/Sales | 0.82% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 68.42% | ||
| Profit Quality | 98.8% | ||
| Current Ratio | 0.95 | ||
| Quick Ratio | 0.95 | ||
| Altman-Z | 2.93 |
F-Score9
WACC8.7%
ROIC/WACC0.87
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)-22.96%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%-59.16%
EPS Next Y-40.98%
EPS Next 2Y-19.86%
EPS Next 3Y-8.89%
EPS Next 5Y2.72%
Revenue 1Y (TTM)10.48%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.24%
Revenue Next Year11.62%
Revenue Next 2Y6.47%
Revenue Next 3Y6.02%
Revenue Next 5Y6.13%
EBIT growth 1Y-18.15%
EBIT growth 3Y10.44%
EBIT growth 5Y10.4%
EBIT Next Year-24.8%
EBIT Next 3Y-3.54%
EBIT Next 5Y4.13%
FCF growth 1Y-34.26%
FCF growth 3Y0.99%
FCF growth 5Y4.56%
OCF growth 1Y-29.48%
OCF growth 3Y2.39%
OCF growth 5Y5.37%
UNITEDHEALTH GROUP INC / 1UNH.MI FAQ
What is the fundamental rating for 1UNH stock?
ChartMill assigns a fundamental rating of 4 / 10 to 1UNH.MI.
Can you provide the valuation status for UNITEDHEALTH GROUP INC?
ChartMill assigns a valuation rating of 3 / 10 to UNITEDHEALTH GROUP INC (1UNH.MI). This can be considered as Overvalued.
How profitable is UNITEDHEALTH GROUP INC (1UNH.MI) stock?
UNITEDHEALTH GROUP INC (1UNH.MI) has a profitability rating of 6 / 10.
What are the PE and PB ratios of UNITEDHEALTH GROUP INC (1UNH.MI) stock?
The Price/Earnings (PE) ratio for UNITEDHEALTH GROUP INC (1UNH.MI) is 16.23 and the Price/Book (PB) ratio is 3.22.
What is the financial health of UNITEDHEALTH GROUP INC (1UNH.MI) stock?
The financial health rating of UNITEDHEALTH GROUP INC (1UNH.MI) is 5 / 10.