UNITEDHEALTH GROUP INC (1UNH.MI) Stock Fundamental Analysis
Europe - BIT:1UNH - US91324P1021 - Common Stock
290.25 EUR
+3.65 (+1.27%)
Taking everything into account, 1UNH scores 5 out of 10 in our fundamental rating. 1UNH was compared to 27 industry peers in the Health Care Providers & Services industry. Both the profitability and the financial health of 1UNH get a neutral evaluation. Nothing too spectacular is happening here. 1UNH is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1UNH was profitable.
In the past year 1UNH had a positive cash flow from operations.
1UNH had positive earnings in each of the past 5 years.
In the past 5 years 1UNH always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 5.58%, 1UNH belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
1UNH has a better Return On Equity (18.36%) than 92.59% of its industry peers.
1UNH has a Return On Invested Capital of 7.55%. This is amongst the best in 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 6.04%.
| 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
With a decent Profit Margin value of 4.04%, 1UNH is doing good in the industry, outperforming 70.37% of the companies in the same industry.
In the last couple of years the Profit Margin of 1UNH has declined.
1UNH's Operating Margin of 6.06% is in line compared to the rest of the industry. 1UNH outperforms 59.26% of its industry peers.
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), 1UNH 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
1UNH has an Altman-Z score of 2.90. This is not the best score and indicates that 1UNH is in the grey zone with still only limited risk for bankruptcy at the moment.
1UNH's Altman-Z score of 2.90 is fine compared to the rest of the industry. 1UNH outperforms 74.07% of its industry peers.
1UNH has a debt to FCF ratio of 4.61. This is a neutral value as 1UNH would need 4.61 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 4.61, 1UNH belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
A Debt/Equity ratio of 0.76 indicates that 1UNH is somewhat dependend on debt financing.
1UNH has a Debt to Equity ratio of 0.76. This is in the better half of the industry: 1UNH outperforms 62.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 4.61 | ||
| Altman-Z | 2.9 |
ROIC/WACC0.85
WACC8.92%
2.3 Liquidity
A Current Ratio of 0.95 indicates that 1UNH may have some problems paying its short term obligations.
1UNH has a Current ratio (0.95) which is comparable to the rest of the industry.
A Quick Ratio of 0.95 indicates that 1UNH may have some problems paying its short term obligations.
1UNH's Quick ratio of 0.95 is in line compared to the rest of the industry. 1UNH outperforms 51.85% of 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%.
1UNH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.57% yearly.
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
The Earnings Per Share is expected to grow by 2.92% on average over the next years.
1UNH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.32% yearly.
EPS Next Y-41.38%
EPS Next 2Y-20.24%
EPS Next 3Y-9.16%
EPS Next 5Y2.92%
Revenue Next Year11.68%
Revenue Next 2Y7.7%
Revenue Next 3Y6.86%
Revenue Next 5Y6.32%
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
A Price/Earnings ratio of 15.90 indicates a correct valuation of 1UNH.
1UNH's Price/Earnings ratio is a bit cheaper when compared to the industry. 1UNH is cheaper than 70.37% of the companies in the same industry.
1UNH is valuated rather cheaply when we compare the Price/Earnings ratio to 26.03, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 18.82, the valuation of 1UNH can be described as rather expensive.
Based on the Price/Forward Earnings ratio, 1UNH is valued a bit more expensive than 62.96% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1UNH to the average of the S&P500 Index (22.27), we can say 1UNH is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.9 | ||
| Fwd PE | 18.82 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.42 | ||
| EV/EBITDA | 11.48 |
4.3 Compensation for Growth
1UNH has a very decent profitability rating, which may justify a higher PE ratio.
1UNH's earnings are expected to decrease with -9.16% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.22
EPS Next 2Y-20.24%
EPS Next 3Y-9.16%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.56%, 1UNH has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.55, 1UNH pays a bit more dividend than its industry peers.
1UNH's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
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
44.61% of the earnings are spent on dividend by 1UNH. This is a bit on the high side, but may be sustainable.
1UNH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP44.61%
EPS Next 2Y-20.24%
EPS Next 3Y-9.16%
BIT:1UNH (11/4/2025, 7:00:00 PM)
290.25
+3.65 (+1.27%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners86.49%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap262.87B
Revenue(TTM)435.16B
Net Income(TTM)17.59B
Analysts75.63
Price Target324.11 (11.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
Yearly Dividend7.09
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)9.26%
PT rev (3m)-3.38%
EPS NQ rev (1m)1.28%
EPS NQ rev (3m)-51.84%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-26.66%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.9 | ||
| Fwd PE | 18.82 | ||
| P/S | 0.7 | ||
| P/FCF | 17.42 | ||
| P/OCF | 14.44 | ||
| P/B | 3.16 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.48 |
EPS(TTM)18.25
EY6.29%
EPS(NY)15.43
Fwd EY5.31%
FCF(TTM)16.66
FCFY5.74%
OCF(TTM)20.1
OCFY6.93%
SpS417.3
BVpS91.86
TBVpS-35.81
PEG (NY)N/A
PEG (5Y)1.22
Graham Number194.21
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 | 2.9 |
F-Score9
WACC8.92%
ROIC/WACC0.85
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-41.38%
EPS Next 2Y-20.24%
EPS Next 3Y-9.16%
EPS Next 5Y2.92%
Revenue 1Y (TTM)10.48%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.24%
Revenue Next Year11.68%
Revenue Next 2Y7.7%
Revenue Next 3Y6.86%
Revenue Next 5Y6.32%
EBIT growth 1Y-18.15%
EBIT growth 3Y10.44%
EBIT growth 5Y10.4%
EBIT Next Year-25.01%
EBIT Next 3Y-3.56%
EBIT Next 5Y4.32%
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 5 / 10 to 1UNH.MI.
What is the valuation status for 1UNH stock?
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 is the expected EPS growth for UNITEDHEALTH GROUP INC (1UNH.MI) stock?
The Earnings per Share (EPS) of UNITEDHEALTH GROUP INC (1UNH.MI) is expected to decline by -41.38% in the next year.
Can you provide the dividend sustainability for 1UNH stock?
The dividend rating of UNITEDHEALTH GROUP INC (1UNH.MI) is 4 / 10 and the dividend payout ratio is 44.61%.