UnitedHealth Group Incorporated UNH NYSE

UnitedHealth Group Incorporated (UNH) generated $1.11B in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $948M, free cash flow was $160M.

Free cash flow margin was 0.1% of revenue. Cash conversion ratio was 5.08x, indicating earnings are backed by cash.

The company returned $2B in dividends and $4.74B in share buybacks to shareholders during the quarter.

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 5.08x confirms earnings are backed by real cash flow

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