UNITEDHEALTH GROUP INC (1UNH.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1UNH - US91324P1021 - Common Stock
277.75 EUR
+8.7 (+3.23%)
Overall 1UNH gets a fundamental rating of 5 out of 10. We evaluated 1UNH against 27 industry peers in the Health Care Providers & Services industry. 1UNH has only an average score on both its financial health and profitability. 1UNH is valied quite expensively at the moment, while 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.
In the past 5 years 1UNH always reported a positive cash flow from operatings.
1.2 Ratios
1UNH has a Return On Assets of 5.58%. This is amongst the best in the industry. 1UNH outperforms 81.48% of its industry peers.
With an excellent Return On Equity value of 18.36%, 1UNH belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 7.55%, 1UNH is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for 1UNH is above the industry average of 6.91%.
| 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 62.96% 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.
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 | 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.
1UNH has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 1UNH has been reduced compared to 5 years ago.
Compared to 1 year ago, 1UNH has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.88 indicates that 1UNH is not a great score, but indicates only limited risk for bankruptcy at the moment.
1UNH has a Altman-Z score of 2.88. This is in the better half of the industry: 1UNH outperforms 70.37% 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.
The Debt to FCF ratio of 1UNH (4.61) is better than 85.19% of its industry peers.
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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 4.61 | ||
| Altman-Z | 2.88 |
ROIC/WACC0.88
WACC8.58%
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 51.85% 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's Quick ratio of 0.95 is in line compared to the rest of the industry. 1UNH outperforms 55.56% 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%.
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-41.12%
EPS Next 2Y-20.11%
EPS Next 3Y-9.12%
EPS Next 5Y2.72%
Revenue Next Year11.61%
Revenue Next 2Y6.63%
Revenue Next 3Y6.02%
Revenue Next 5Y6.13%
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
1UNH is valuated correctly with a Price/Earnings ratio of 15.27.
Based on the Price/Earnings ratio, 1UNH is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.98, 1UNH is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 18.00, the valuation of 1UNH can be described as rather expensive.
1UNH's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.79. 1UNH is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.27 | ||
| Fwd PE | 18 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, 1UNH is valued a bit more expensive than 62.96% of the companies 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 | 16.72 | ||
| EV/EBITDA | 11.21 |
4.3 Compensation for Growth
The decent profitability rating of 1UNH may justify a higher PE ratio.
1UNH's earnings are expected to decrease with -9.12% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.17
EPS Next 2Y-20.11%
EPS Next 3Y-9.12%
5. Dividend
5.1 Amount
1UNH has a Yearly Dividend Yield of 2.84%. Purely for dividend investing, there may be better candidates out there.
1UNH's Dividend Yield is rather good when compared to the industry average which is at 2.09. 1UNH pays more dividend than 85.19% of the companies in the same industry.
1UNH's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
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
44.61% of the earnings are spent on dividend by 1UNH. This is a bit on the high side, but may be sustainable.
The dividend of 1UNH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP44.61%
EPS Next 2Y-20.11%
EPS Next 3Y-9.12%
BIT:1UNH (11/21/2025, 7:00:00 PM)
277.75
+8.7 (+3.23%)
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 Cap251.55B
Revenue(TTM)435.16B
Net Income(TTM)17.59B
Analysts75.29
Price Target343.62 (23.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
Yearly Dividend7.11
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)15.86%
PT rev (3m)20.72%
EPS NQ rev (1m)1.25%
EPS NQ rev (3m)2.03%
EPS NY rev (1m)0.44%
EPS NY rev (3m)0.45%
Revenue NQ rev (1m)-0.32%
Revenue NQ rev (3m)-0.45%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.27 | ||
| Fwd PE | 18 | ||
| P/S | 0.67 | ||
| P/FCF | 16.72 | ||
| P/OCF | 13.86 | ||
| P/B | 3.03 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.21 |
EPS(TTM)18.19
EY6.55%
EPS(NY)15.43
Fwd EY5.55%
FCF(TTM)16.61
FCFY5.98%
OCF(TTM)20.04
OCFY7.21%
SpS415.97
BVpS91.56
TBVpS-35.69
PEG (NY)N/A
PEG (5Y)1.17
Graham Number193.58
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 | 2.88 |
F-Score9
WACC8.58%
ROIC/WACC0.88
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-41.12%
EPS Next 2Y-20.11%
EPS Next 3Y-9.12%
EPS Next 5Y2.72%
Revenue 1Y (TTM)10.48%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.24%
Revenue Next Year11.61%
Revenue Next 2Y6.63%
Revenue Next 3Y6.02%
Revenue Next 5Y6.13%
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 5Y4.13%
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 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 -41.12% in the next year.
Can you provide the dividend sustainability for 1UNH stock?
The dividend rating of UNITEDHEALTH GROUP INC (1UNH.MI) is 5 / 10 and the dividend payout ratio is 44.61%.