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UnitedHealth Group Incorporated UNH NYSE

NYSE • Healthcare • Medical - Healthcare Plans • US • USD

SharesGrow Score
58/100
3/7 Pass
SharesGrow Intrinsic Value
$902.20
+187.2%
Analyst Price Target
$385.38
+22.7%

UnitedHealth Group Incorporated (UNH) is a Medical - Healthcare Plans company in the Healthcare sector, currently trading at $314.19. It has a SharesGrow Score of 58/100, indicating a above average investment profile with 3 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of UNH = $902.20 (+187.2% from the current price, the stock appears undervalued). Analyst consensus target is UNH = $385 (+22.7% upside).

Valuation: UNH trades at a trailing Price-to-Earnings (P/E) of 23.1 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.8.

Financials: revenue is $447.6B, +11.6%/yr average growth. Net income is $12.1B, growing at -13.6%/yr. Net profit margin is 2.7% (thin). Gross margin is 18.5% (-5.6 pp trend).

Balance sheet: total debt is $78.4B against $94.1B equity (Debt-to-Equity (D/E) ratio 0.83, moderate). Current ratio is 0.79 (tight liquidity). Debt-to-assets is 25.3%. Total assets: $309.6B.

Analyst outlook: 41 / 52 analysts rate UNH as buy (79%) — strong consensus.

SharesGrow 7-Criteria breakdown: Value 66/100 (Pass), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 51/100 (Partial), Future 79/100 (Pass), Income 30/100 (Fail).

$385.38
▲ 22.66% Upside
Average Price Target
Based on 52 Wall Street analysts offering 12-month price targets for UnitedHealth Group Incorporated, the average price target is $385.38, with a high forecast of $444.00, and a low forecast of $327.00.
Highest Price Target
$444.00
Average Price Target
$385.38
Lowest Price Target
$327.00

UNH SharesGrow Score Overview

58/100
SharesGrow Score
Above average fundamentals
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VALUE 66/100
Valuation — P/E, PEG, Forward PEG
GROWTH 48/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 33/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 51/100
Gross margin is + market cap
FUTURE 79/100
Analyst outlook — as buy
INCOME 30/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — UNH

VALUE Pass
66/100
UNH trades at a trailing Price-to-Earnings (P/E) of 23.1 (S&P 500 average ~25). Forward PEG 1.8 — overvalued. Analyst consensus target is $385, implying +22.5% from the current price $314. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Partial
48/100
UNH: +11.6%/yr revenue is, -13.6%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
UNH: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
33/100
Balance sheet UNH: Debt-to-Equity (D/E) ratio 0.83 (moderate), Current ratio is 0.79 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
51/100
UNH: Gross margin is 18.5% (-5.6 pp trend), $285B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 51/100. ≥ 70 = Pass.
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FUTURE Pass
79/100
Analyst outlook: 41 / 52 analysts rate UNH as buy (79%). Analyst consensus target is $385 (+22.5% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Fail
30/100
UNH: Net profit margin is 2.7%. thin (0-5%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range234.6-606.36
Volume5.03M
Avg Volume (30D)10.15M
Market Cap$285.18B
Beta (1Y)0.41
Dividend Yield$8.8400
Share Statistics
EPS (TTM)13.23
Shares Outstanding$910M
IPO Date1984-10-17
Employees400,000
CEOStephen J. Hemsley
Financial Highlights & Ratios
Revenue (TTM)$447.57B
Gross Profit$82.92B
EBITDA$23.06B
Net Income$12.06B
Operating Income$18.96B
Total Cash$28.12B
Total Debt$78.39B
Net Debt$54.02B
Total Assets$309.58B
Price / Earnings (P/E)23.7
Price / Sales (P/S)0.64
Analyst Forecast
1Y Price Target$390.50
Target High$444.00
Target Low$327.00
Upside+24.3%
Rating ConsensusBuy
Analysts Covering52
Buy 79% Hold 13% Sell 8%
Price Target Summary
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS91324P1021

Price Chart

UNH
UnitedHealth Group Incorporated  ·  NYSE
Healthcare • Medical - Healthcare Plans
234.60 52WK RANGE 606.36
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