Unitedhealth Group Inc

Unitedhealth Group Inc

UNH

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Market Cap$368.44B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Unitedhealth Group IncUnitedhealth Group Inc24.42.39%16%0.80.7

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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$476.15

Target Price by Analysts

17.1% upsideUnitedhealth Group Target Price DetailsTarget Price
$292.83

Current Fair Value

28% downside

Overvalued by 28% based on the discounted cash flow analysis.

Share Statistics

Market cap$368.44 Billion
Enterprise Value$410.30 Billion
Dividend Yield$9.06 (2.39%)
Earnings per Share$13.23
Beta0.62
Outstanding Shares905,997,000

Return

Return on Equity15.59%ROE
Return on Assets5.26%
Return on Invested Capital8.10%

Valuation & Multiples

P/E Ratio24.39P/E Ratio
PEG39.98PEG
Price to Sales0.82Price to Sales
Price to Book Ratio3.51Price to Book Ratio
Enterprise Value to Revenue0.91
Enterprise Value to EBIT18.98
Enterprise Value to Net Income25
Total Debt to Enterprise0.18
Debt to Equity0.7Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
October 13, 2026
EPS Estimate
$4.14
Average shareholder expectation
Revenue Estimate
$111.31 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 27, 2026
EPS Estimate
$4.09
Average shareholder expectation
Revenue Estimate
$111.31 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000▼ 86.32%
Total Calls-▼ 100.00%
Total Puts-▼ 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %0.19%▼ 88.33%
Total Invested$642.94M▼ 99.81%
Investors Holding169▼ 3394.00%

ESG Score

No data

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...