UNITEDHEALTH GROUP INC (1UNH.MI) Stock Fundamental Analysis
Europe - BIT:1UNH - US91324P1021 - Common Stock
308.35 EUR
+9.9 (+3.32%)
Taking everything into account, 1UNH scores 5 out of 10 in our fundamental rating. 1UNH was compared to 32 industry peers in the Health Care Providers & Services industry. 1UNH has an average financial health and profitability rating. While showing a medium growth rate, 1UNH is valued expensive at the moment.
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.
Each year in the past 5 years 1UNH has been profitable.
In the past 5 years 1UNH always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of 1UNH (6.90%) is better than 86.67% of its industry peers.
1UNH has a better Return On Equity (21.20%) than 96.67% of its industry peers.
1UNH's Return On Invested Capital of 7.89% is fine compared to the rest of the industry. 1UNH outperforms 73.33% 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 6.78%.
| 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 76.67% of its industry peers.
1UNH's Profit Margin has declined in the last couple of years.
1UNH has a Operating Margin of 7.27%. This is comparable to the rest of the industry: 1UNH outperforms 60.00% of its industry peers.
1UNH's Operating Margin has been stable in the last couple of years.
| 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
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 3.13, which is a good value as it means it would take 1UNH, 3.13 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of 1UNH (3.13) is better than 93.33% of its industry peers.
A Debt/Equity ratio of 0.73 indicates that 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/WACC0.9
WACC8.8%
2.3 Liquidity
A Current Ratio of 0.88 indicates that 1UNH may have some problems paying its short term obligations.
1UNH has a worse Current ratio (0.88) than 63.33% 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.
With a Quick ratio value of 0.88, 1UNH perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.88 | ||
| Quick Ratio | 0.88 |
3. Growth
3.1 Past
1UNH shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.40%.
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.
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)-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
1UNH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.92% yearly.
The Revenue is expected to grow by 6.32% on average over the next years.
EPS Next Y-41.32%
EPS Next 2Y-20.06%
EPS Next 3Y-9.21%
EPS Next 5Y2.92%
Revenue Next Year11.7%
Revenue Next 2Y7.76%
Revenue Next 3Y6.88%
Revenue Next 5Y6.32%
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
The Price/Earnings ratio is 14.34, which indicates a correct valuation of 1UNH.
Based on the Price/Earnings ratio, 1UNH is valued a bit cheaper than the industry average as 73.33% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.86. 1UNH is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 20.28 indicates a rather expensive valuation of 1UNH.
1UNH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1UNH is more expensive than 66.67% of the companies in the same industry.
1UNH is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.34 | ||
| Fwd PE | 20.28 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1UNH.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1UNH is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.96 | ||
| EV/EBITDA | 10.72 |
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 -9.21% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.1
EPS Next 2Y-20.06%
EPS Next 3Y-9.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.50%, 1UNH has a reasonable but not impressive dividend return.
1UNH's Dividend Yield is rather good when compared to the industry average which is at 2.38. 1UNH pays more dividend than 83.33% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, 1UNH has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
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
36.54% of the earnings are spent on dividend by 1UNH. This is a low number and sustainable payout ratio.
The dividend of 1UNH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP36.54%
EPS Next 2Y-20.06%
EPS Next 3Y-9.21%
BIT:1UNH (10/3/2025, 7:00:00 PM)
308.35
+9.9 (+3.32%)
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 Cap279.26B
Analysts75.63
Price Target296.58 (-3.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
Yearly Dividend6.98
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)4.19%
PT rev (3m)-12.72%
EPS NQ rev (1m)1.98%
EPS NQ rev (3m)-46.43%
EPS NY rev (1m)0.11%
EPS NY rev (3m)-28.04%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.38%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.34 | ||
| Fwd PE | 20.28 | ||
| P/S | 0.78 | ||
| P/FCF | 12.96 | ||
| P/OCF | 11.31 | ||
| P/B | 3.26 | ||
| P/tB | 3.26 | ||
| EV/EBITDA | 10.72 |
EPS(TTM)21.51
EY6.98%
EPS(NY)15.2
Fwd EY4.93%
FCF(TTM)23.8
FCFY7.72%
OCF(TTM)27.27
OCFY8.84%
SpS397.87
BVpS94.54
TBVpS94.54
PEG (NY)N/A
PEG (5Y)1.1
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
WACC8.8%
ROIC/WACC0.9
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-41.32%
EPS Next 2Y-20.06%
EPS Next 3Y-9.21%
EPS Next 5Y2.92%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.66%
Revenue Next Year11.7%
Revenue Next 2Y7.76%
Revenue Next 3Y6.88%
Revenue Next 5Y6.32%
EBIT growth 1Y-3.97%
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-33.78%
FCF growth 3Y0.99%
FCF growth 5Y4.56%
OCF growth 1Y-29.96%
OCF growth 3Y2.39%
OCF growth 5Y5.37%