UNH

Strong BuyFull HouseFLAG

UnitedHealth Group Incorporated · Healthcare · United States · $352.7B · Avg Vol: $1.8B/d

Full House: Strong business, sensible price, market agrees. The rare full house.

90
StockRank
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Quality
59
Value
56
Momentum
74
P/E (TTM)
24.2x
peers 23.5x
ROE
14.2%
peers 2.7%
D/E
0.7x
peers 0.2x
Dividend %
2.4%
trailing yield
AI CONVICTION THESIS

UnitedHealth Group has strong momentum at M75 with a buyback on file, but value at V44 is below the calibrated floor and quality Q59 is offset, so stage one fails.

The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.

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)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue324.2B371.6B400.3B447.6B11.4%450.5B446.5B459.4B1.3%
EPS21.5424.2215.7413.31-14.8%15.5716.1318.2617.1%
Shares934.0M924.0M915.0M905.8M-3.0%897.6M
Debt57.6B62.5B76.9B78.4B10.8%73.3B
Equity77.8B88.8B92.7B94.1B6.6%
Op CF26.2B29.1B24.2B19.7B-9.1%27.0B
Inv CF-28.5B-15.6B-20.5B-8.7B
Fin CF4.2B-11.5B-3.5B-11.6B
Loading 1Y...
PRICE (1Y)-7.4%
375384392400409Aug 7Aug 28Sep 18
SMA 50SMA 200

Close
$376.90
RSI (14)
38.8
52W High
$458.79
From 52W High
0.8%

SCORE BREAKDOWN

Quality
59
ROIC
9.5%69.6
ROE
14.2%80.4
GP/Assets
28.7%61.6
Op. Margin
7.1%57.1
FCF/Assets
6.4%75.6
Piotroski
668.6
Int. Cover
4.7x51.0
D/E Ratio
0.69x21.3
Current Ratio
0.78x5.3
Value
56
P/E (TTM)
24.2x48.9
EV/EBITDA
14.5x48.7
P/FCF
17.9x66.1
P/B
3.5x39.7
P/S
0.8x88.1
Div Yield
2.4%57.7
Momentum
74
52W High %
82%72.5
RS 6M
20%78.1
SMA 50/200
1.15x83.2
EPS Rev 4W
+0.8%72.2
EPS Rev 12W
+8.0%83.8
EPS Improve
+45%51.6
Q Growth
61%77.6

FUNDAMENTALS

Market Cap
$352.7B
P/E (Forward)
16.7x
Gross Margin
19.7%

SECTOR PEERS

Closest peers in Healthcare, ranked by industry match, size, and score similarity. Cross-listings of UNH are excluded.

TickerCompanyMkt CapStockRankSignal
UNHUnitedHealth Group Incorporated(you)$352.7B90Strong Buy
CVSCVS Health Corporation$119.0B93Strong Buy
ELVElevance Health, Inc.$85.5B90Strong Buy
CIThe Cigna Group$73.7B92Strong Buy
HUMHumana Inc.$46.3B89Strong Buy
CNCCentene Corporation$32.0B93Strong Buy
OSCROscar Health, Inc.$9.4B98Strong Buy
SAUD3.SABradsaúde S.A.$7.9B98Strong Buy
MOHMolina Healthcare, Inc.$10.4B71Buy
ROP.SWRoche Holding AG$353.1B88Strong Buy

Peer medians: ROE 2.7% · P/E 23.5x · Gross margin 52.5%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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UnitedHealth Group Incorporated (UNH): Stock Score Summary

UnitedHealth Group Incorporated (UNH) has a MoatMap StockRank of 90/100 based on Quality (59/100), Value (56/100), and Momentum (74/100) factor scores. The current signal is STRONG BUY. UnitedHealth Group has strong momentum at M75 with a buyback on file, but value at V44 is below the calibrated floor and quality Q59 is offset, so stage one fails.

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.

Key Financial Metrics

Price$376.90
Market Cap$352.7B
P/E (TTM)24.21
P/E (Forward)16.67
Price/Book3.46
Return on Equity14.2%
Return on Invested Capital9.5%
Debt/Equity0.69x
Gross Margin19.7%
Operating Margin7.1%
Revenue Growth0.4%
Dividend Yield2.4%
Free Cash Flow$19.7B

UnitedHealth Group Incorporated operates in the Healthcare Plans industry, part of the Healthcare sector (United States).

Frequently Asked Questions

What is UnitedHealth Group Incorporated’s (UNH) StockRank?
MoatMap’s StockRank for UnitedHealth Group Incorporated (UNH) is 90/100, with a Strong Buy signal. It is a composite of Quality (59), Value (56), and Momentum (74) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does UnitedHealth Group Incorporated have an economic moat?
UnitedHealth Group Incorporated (UNH) has a Quality factor score of 59/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is UnitedHealth Group Incorporated a buy, hold, or sell?
MoatMap’s current signal for UnitedHealth Group Incorporated (UNH) is Strong Buy, based on a StockRank of 90/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is UnitedHealth Group Incorporated in?
UnitedHealth Group Incorporated (UNH) operates in the Healthcare sector, specifically the Healthcare Plans industry (United States).