UnitedHealth Group Incorporated UNH NYSE

UnitedHealth Group Incorporated (UNH) generated $19.7B in operating cash flow for fiscal year 2025. After capital expenditures of $3.62B, free cash flow was $16.08B.

Free cash flow margin was 3.6% of revenue. Cash conversion ratio was 1.54x, indicating earnings are backed by cash.

The company returned $7.92B in dividends and $5.55B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (33/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (51/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (30/100) — Cash conversion ratio was 1.54x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 58/100 with 3/7 criteria passed.