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

BIT:1UNH • US91324P1021

Current stock price

245 EUR
+0.4 (+0.16%)
Last:

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

5

1. 1UNH.MI Profitability Analysis

1.1 Basic Checks

  • 1UNH had positive earnings in the past year.
  • 1UNH had a positive operating cash flow in the past year.
  • In the past 5 years 1UNH has always been profitable.
  • In the past 5 years 1UNH always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 3.89%, 1UNH belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.
  • With a decent Return On Equity value of 12.05%, 1UNH is doing good in the industry, outperforming 72.73% of the companies in the same industry.
  • The Return On Invested Capital of 1UNH (5.09%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for 1UNH is above the industry average of 6.44%.
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

  • With a decent Profit Margin value of 2.69%, 1UNH is doing good in the industry, outperforming 60.61% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1UNH has declined.
  • 1UNH has a Operating Margin (4.24%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of 1UNH has declined.
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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so 1UNH is still creating some value.
  • The number of shares outstanding for 1UNH has been reduced compared to 1 year ago.
  • 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's Debt to FCF ratio of 4.99 is amongst the best of the industry. 1UNH outperforms 81.82% of its industry peers.
  • A Debt/Equity ratio of 0.72 indicates that 1UNH is somewhat dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.72, 1UNH is doing good in the industry, outperforming 69.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 4.99
Altman-Z N/A
ROIC/WACC0.63
WACC8.14%
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.
  • The Revenue has grown by 11.81% in the past year. This is quite good.
  • The Revenue has been growing by 11.72% on average over the past years. This is quite good.
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

  • 1UNH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.30% yearly.
  • 1UNH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.63% yearly.
EPS Next Y10.57%
EPS Next 2Y10.35%
EPS Next 3Y13.05%
EPS Next 5Y18.3%
Revenue Next Year-1.53%
Revenue Next 2Y0.86%
Revenue Next 3Y2.64%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • Based on the Price/Earnings ratio of 17.24, the valuation of 1UNH can be described as rather expensive.
  • The rest of the industry has a similar Price/Earnings ratio as 1UNH.
  • The average S&P500 Price/Earnings ratio is at 25.96. 1UNH is valued slightly cheaper when compared to this.
  • 1UNH is valuated correctly with a Price/Forward Earnings ratio of 15.59.
  • Based on the Price/Forward Earnings ratio, 1UNH is valued a bit more expensive than 63.64% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.04. 1UNH is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.24
Fwd PE 15.59
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 66.67% 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 16.2
EV/EBITDA 13.08
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

  • 1UNH's 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 13.05% in the coming years.
PEG (NY)1.63
PEG (5Y)N/A
EPS Next 2Y10.35%
EPS Next 3Y13.05%

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7

5. 1UNH.MI Dividend Analysis

5.1 Amount

  • 1UNH has a Yearly Dividend Yield of 3.19%.
  • Compared to an average industry Dividend Yield of 1.69, 1UNH pays a better dividend. On top of this 1UNH pays more dividend than 84.85% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, 1UNH pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.19%

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

  • 1UNH pays out 65.66% of its income as dividend. This is not a sustainable payout ratio.
  • 1UNH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP65.66%
EPS Next 2Y10.35%
EPS Next 3Y13.05%
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 (3/11/2026, 7:00:00 PM)

245

+0.4 (+0.16%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)01-27
Earnings (Next)04-15
Inst Owners84.22%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap221.93B
Revenue(TTM)447.57B
Net Income(TTM)12.06B
Analysts75.29
Price Target320 (30.61%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.19%
Yearly Dividend7.58
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)-1.42%
PT rev (3m)-7.09%
EPS NQ rev (1m)-0.21%
EPS NQ rev (3m)5.75%
EPS NY rev (1m)0.14%
EPS NY rev (3m)0.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.39%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-2.95%
Valuation
Industry RankSector Rank
PE 17.24
Fwd PE 15.59
P/S 0.57
P/FCF 16.2
P/OCF 13.17
P/B 2.55
P/tB 2.55
EV/EBITDA 13.08
EPS(TTM)14.21
EY5.8%
EPS(NY)15.71
Fwd EY6.41%
FCF(TTM)15.12
FCFY6.17%
OCF(TTM)18.6
OCFY7.59%
SpS430.47
BVpS96.27
TBVpS96.27
PEG (NY)1.63
PEG (5Y)N/A
Graham Number175.44
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
WACC8.14%
ROIC/WACC0.63
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 Y10.57%
EPS Next 2Y10.35%
EPS Next 3Y13.05%
EPS Next 5Y18.3%
Revenue 1Y (TTM)11.81%
Revenue growth 3Y11.35%
Revenue growth 5Y11.72%
Sales Q2Q%12.31%
Revenue Next Year-1.53%
Revenue Next 2Y0.86%
Revenue Next 3Y2.64%
Revenue Next 5Y4.63%
EBIT growth 1Y-41.26%
EBIT growth 3Y-12.63%
EBIT growth 5Y-3.28%
EBIT Next Year29.5%
EBIT Next 3Y16.64%
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.


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 5 / 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 17.24 and the Price/Book (PB) ratio is 2.55.


What is the financial health of UNITEDHEALTH GROUP INC (1UNH.MI) stock?

The financial health rating of UNITEDHEALTH GROUP INC (1UNH.MI) is 4 / 10.