Unitedhealth Group Inc
UNH - Insider Information
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+ FollowMarket Cap$369.21B
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Earnings Call Q3 2026
October 13, 2026 - AI Summary
2026 results + 2027 confidence; guidance tightened
- Q3’26: Revenue ~$113B; Adjusted EPS $4.69 (vs $2.92 a year ago); Consolidated medical care ratio 88.4% (vs 89.9%).
- The company reaffirmed an “adjusted EPS at least $20.50” for full-year 2026, with the updated view reflecting Q3 performance plus expected end-of-year investment.
- Management reiterated confidence to sustain 13%–16% long-term growth and suggested current analyst consensus for 2027 may understate opportunity; they framed the lower end of the range as a “more reasonable starting point.”
AI + modernization driving operating improvements (including prior authorization reforms)
- AI adoption: AI chart summarization for >40% of employed clinicians, cutting chart review time by 33%; appeal cycle times down 26% (expected to accelerate in 2027).
- Medicare AEP 2026 reform: AI-powered plan recommendation using care history + local plan options.
- Prior authorization overhaul expected to be fully implemented: reducing total prior authorizations by 30%, including a two-thirds reduction for members under age 18—positioned as early evidence of simplifying processes for better clinician/patient experience.
Medicare Advantage: strong access + quality focus; margin outlook improving
- Access and product positioning: >94% of eligible seniors have access to a UnitedHealthcare Medicare plan; ~90% have access to a plan with a $0 premium option.
- Product mix emphasis for 2027: High-value HMO, C-SNP, D-SNP, and chronic special needs (chronic special needs coverage targeted for nearly 50M eligible individuals).
- Stars/quality: initial Star ratings for payment year 2028 reflect investment; expectation to approach ~75% of members in 4+ Star plans vs industry ~70%.
- Margin (most investor-relevant update): Medicare Advantage margins now expected near the top end of a stated 2%–4% range for 2026 (attributed to cost management, durable product actions, and quality/AI/modernization investments).
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$298.57
27.1% downside
Current Fair Value
27.1% downsideOvervalued by 27.1% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $369.21 Billion |
|---|---|
| Enterprise Value | $417.70 Billion |
| Annual dividend | $9.06 |
| Dividend yield | 2.23% |
| Earnings per Share | $13.23 |
| Beta | 0.62 |
| Outstanding Shares | 902,008,000 |
Return
| Return on Equity | 17.34% |
|---|---|
| Return on Assets | 5.77% |
| Return on Invested Capital | 12.05% |
Valuation & Multiples
| P/E Ratio | 23.23 |
|---|---|
| PEG | 30.95 |
| Price to Sales | 0.82 |
| Price to Book Ratio | 3.5 |
| Enterprise Value to Revenue | 0.93 |
| Enterprise Value to EBIT | 17.6 |
| Enterprise Value to Net Income | 23 |
| Total Debt to Enterprise | 0.18 |
| Debt to Equity | 0.71 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 27, 2026
EPS Estimate
$4.09
Consensus analyst estimateRevenue Estimate
$111.31 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 20, 2027
EPS Estimate
$2.28
Consensus analyst estimateRevenue Estimate
$112.26 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 11.20, the ratio is above 1, so institutions hold more puts than calls. That is a more cautious stance.
| Put/Call Ratio | 11.1982▲ 1033.50% |
|---|---|
| Total Calls | 89,979▼ 99.76% |
| Total Puts | 1,007,600▼ 96.92% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 3.65%▼ 84.91% |
|---|---|
| Total Invested | $12.12B▼ 96.37% |
| Investors Holding | 1,407▼ 2162.00% |
About Unitedhealth Group Inc
390,000 employees
CEO: David Wichmann
UnitedHealth Group Incorporated, founded in 1977 and based in Minnetonka, Minnesota, operates as a comprehensive healthcare enterprise across the United States. Its multifaceted operations are divided into four primary segments: UnitedHe...