UNH
Strong BuyFull HouseAI neutralUnitedHealth Group Incorporated · Healthcare · United States · $375.3B cap · $2.2B/day traded
$404.44 +1.0% · close 3 Nov · scored 4 Nov
Full House: Strong business, sensible price, and the market agrees.
As of 4 Nov 2026, MoatMap's StockRank for UnitedHealth Group Incorporated (UNH) is 87/100, ranked against 24,000+ stocks in 35 markets (Quality 60, Value 52, Momentum 75, each scored against its sector).
Does StockRank work? Each month we publish how each tenth of the ranking did, whichever way it went. See the record →
UnitedHealth is the largest US health insurer and owns the Optum health services business. The shares are up about 14% this year after a severe 2025 reset. The company is still repairing its medical-cost trends, Medicare Advantage pricing and leadership bench, and recently appointed another new UnitedHealthcare president. The scale moat is real, but this is a recovery story with ongoing regulatory scrutiny rather than a clean compounder.
ABOUT UNITEDHEALTH GROUP INCORPORATED
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UnitedHealth Group is the largest diversified healthcare company, encompassing UnitedHealthcare, a leading health benefits provider, and Optum, which delivers technology-enabled health services. Its wide competitive moat stems from immense scale, a vast network of providers and members, and the significant data and cost advantages derived from its vertically integrated Optum segment. UnitedHealth Group is a dominant force in both health insurance and health services, strategically positioned for continued growth.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 324.2B | 371.6B | 400.3B | 447.6B | 11.4% | 450.1B | 449.0B | 463.6B | 1.8% |
| EPS | 21.54 | 24.22 | 15.74 | 13.31 | -14.8% | 17.52 | 16.76 | 18.95 | 19.3% |
| Shares | 934.0M | 924.0M | 915.0M | 905.8M | -3.0% | 897.6M | — | — | — |
| Debt | 57.6B | 62.5B | 76.9B | 78.4B | 10.8% | 74.3B | — | — | — |
| Equity | 77.8B | 88.8B | 92.7B | 94.1B | 6.6% | — | — | — | — |
| Op CF | 26.2B | 29.1B | 24.2B | 19.7B | -9.1% | 26.2B | — | — | — |
| Inv CF | -28.5B | -15.6B | -20.5B | -8.7B | — | — | — | — | — |
| Fin CF | 4.2B | -11.5B | -3.5B | -11.6B | — | — | — | — | — |
Above its 200-day average and 12% below its 52-week high.
Calmer than 64% of stocks we rank over the past year (volatility 35% a year).
How this is worked out
StockRank weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Healthcare, ranked by industry match, size, and score similarity. Cross-listings of UNH are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UNH | UnitedHealth Group Incorporated(you) | $375.3B | 87 | Strong Buy |
| CVS | CVS Health Corporation | $119.5B | 92 | Strong Buy |
| ELV | Elevance Health, Inc. | $95.4B | 93 | Strong Buy |
| CI | The Cigna Group | $81.1B | 93 | Strong Buy |
| HUM | Humana Inc. | $50.7B | 88 | Strong Buy |
| CNC | Centene Corporation | $34.7B | 94 | Strong Buy |
| OSCR | Oscar Health, Inc. | $9.6B | 99 | Strong Buy |
| SAUD3.SA | Bradsaúde S.A. | $9.7B | 99 | Strong Buy |
| RO.SW | Roche Holding AG | $384.2B | 88 | Strong Buy |
| NOVN.SW | Novartis AG | $295.2B | 86 | Strong Buy |
Peer medians: ROE 2.7% · P/E 23.0x · Gross margin 53.8%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.