UNITEDHEALTH GROUP INC (UNH.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:UNH - US91324P1021 - Common Stock
280.05 EUR
-4.35 (-1.53%)
UNH gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 29 industry peers in the Health Care Providers & Services industry. UNH has only an average score on both its financial health and profitability. UNH 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 UNH was profitable.
In the past year UNH had a positive cash flow from operations.
Each year in the past 5 years UNH has been profitable.
In the past 5 years UNH always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of UNH (5.58%) is better than 89.66% of its industry peers.
With an excellent Return On Equity value of 18.36%, UNH belongs to the best of the industry, outperforming 89.66% of the companies in the same industry.
UNH's Return On Invested Capital of 7.55% is fine compared to the rest of the industry. UNH outperforms 75.86% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for UNH is above the industry average of 6.67%.
| 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%, UNH is doing good in the industry, outperforming 68.97% of the companies in the same industry.
In the last couple of years the Profit Margin of UNH has declined.
With a Operating Margin value of 6.06%, UNH perfoms like the industry average, outperforming 58.62% of the companies in the same industry.
In the last couple of years the Operating Margin of UNH 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
UNH has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
UNH has less shares outstanding than it did 1 year ago.
The number of shares outstanding for UNH has been reduced compared to 5 years ago.
UNH has a worse debt/assets ratio than last year.
2.2 Solvency
UNH has an Altman-Z score of 2.89. This is not the best score and indicates that UNH is in the grey zone with still only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.89, UNH is doing good in the industry, outperforming 79.31% of the companies in the same industry.
UNH has a debt to FCF ratio of 4.61. This is a neutral value as UNH would need 4.61 years to pay back of all of its debts.
UNH has a Debt to FCF ratio of 4.61. This is in the better half of the industry: UNH outperforms 79.31% of its industry peers.
UNH has a Debt/Equity ratio of 0.76. This is a neutral value indicating UNH is somewhat dependend on debt financing.
UNH has a better Debt to Equity ratio (0.76) than 62.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 4.61 | ||
| Altman-Z | 2.89 |
ROIC/WACC0.9
WACC8.43%
2.3 Liquidity
A Current Ratio of 0.95 indicates that UNH may have some problems paying its short term obligations.
The Current ratio of UNH (0.95) is comparable to the rest of the industry.
UNH has a Quick Ratio of 0.95. This is a bad value and indicates that UNH is not financially healthy enough and could expect problems in meeting its short term obligations.
UNH 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
UNH shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.96%.
UNH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.07% yearly.
UNH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.48%.
Measured over the past years, UNH shows a quite strong growth in Revenue. The Revenue has been growing by 10.57% on average per year.
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
Based on estimates for the next years, UNH will show a small growth in Earnings Per Share. The EPS will grow by 2.72% on average per year.
The Revenue is expected to grow by 6.13% on average over the next years.
EPS Next Y-41.01%
EPS Next 2Y-19.95%
EPS Next 3Y-8.92%
EPS Next 5Y2.72%
Revenue Next Year11.62%
Revenue Next 2Y6.47%
Revenue Next 3Y6.03%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.53, the valuation of UNH can be described as correct.
UNH's Price/Earnings ratio is a bit cheaper when compared to the industry. UNH is cheaper than 68.97% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.34. UNH is valued slightly cheaper when compared to this.
UNH is valuated rather expensively with a Price/Forward Earnings ratio of 18.24.
Based on the Price/Forward Earnings ratio, UNH is valued a bit more expensive than 65.52% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.56, UNH is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.53 | ||
| Fwd PE | 18.24 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UNH is valued a bit more expensive than the industry average as 65.52% of the companies are valued more cheaply.
UNH's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.01 | ||
| EV/EBITDA | 11.38 |
4.3 Compensation for Growth
The decent profitability rating of UNH may justify a higher PE ratio.
UNH's earnings are expected to decrease with -8.92% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.19
EPS Next 2Y-19.95%
EPS Next 3Y-8.92%
5. Dividend
5.1 Amount
UNH has a Yearly Dividend Yield of 2.65%.
UNH's Dividend Yield is rather good when compared to the industry average which is at 2.40. UNH pays more dividend than 82.76% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, UNH has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
5.2 History
On average, the dividend of UNH grows each year by 14.73%, which is quite nice.
Dividend Growth(5Y)14.73%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
UNH pays out 44.61% of its income as dividend. This is a bit on the high side, but may be sustainable.
UNH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP44.61%
EPS Next 2Y-19.95%
EPS Next 3Y-8.92%
FRA:UNH (12/8/2025, 7:00:00 PM)
280.05
-4.35 (-1.53%)
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 Cap253.68B
Revenue(TTM)435.16B
Net Income(TTM)17.59B
Analysts74.55
Price Target343.92 (22.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
Yearly Dividend7.04
Dividend Growth(5Y)14.73%
DP44.61%
Div Incr Years5
Div Non Decr Years5
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)5.4%
PT rev (3m)20.77%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)-0.89%
EPS NY rev (1m)0.19%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-0.44%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.53 | ||
| Fwd PE | 18.24 | ||
| P/S | 0.68 | ||
| P/FCF | 17.01 | ||
| P/OCF | 14.1 | ||
| P/B | 3.09 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.38 |
EPS(TTM)18.03
EY6.44%
EPS(NY)15.35
Fwd EY5.48%
FCF(TTM)16.46
FCFY5.88%
OCF(TTM)19.86
OCFY7.09%
SpS412.18
BVpS90.73
TBVpS-35.37
PEG (NY)N/A
PEG (5Y)1.19
Graham Number191.85
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 | 2.89 |
F-Score9
WACC8.43%
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)-22.96%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%-59.16%
EPS Next Y-41.01%
EPS Next 2Y-19.95%
EPS Next 3Y-8.92%
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 3Y6.03%
Revenue Next 5Y6.13%
EBIT growth 1Y-18.15%
EBIT growth 3Y10.44%
EBIT growth 5Y10.4%
EBIT Next Year-24.66%
EBIT Next 3Y-3.48%
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 / UNH.DE FAQ
Can you provide the ChartMill fundamental rating for UNITEDHEALTH GROUP INC?
ChartMill assigns a fundamental rating of 5 / 10 to UNH.DE.
What is the valuation status for UNH stock?
ChartMill assigns a valuation rating of 3 / 10 to UNITEDHEALTH GROUP INC (UNH.DE). This can be considered as Overvalued.
Can you provide the profitability details for UNITEDHEALTH GROUP INC?
UNITEDHEALTH GROUP INC (UNH.DE) has a profitability rating of 6 / 10.
What is the valuation of UNITEDHEALTH GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for UNITEDHEALTH GROUP INC (UNH.DE) is 15.53 and the Price/Book (PB) ratio is 3.09.
What is the financial health of UNITEDHEALTH GROUP INC (UNH.DE) stock?
The financial health rating of UNITEDHEALTH GROUP INC (UNH.DE) is 4 / 10.