UnitedHealth Group UNH
UnitedHealth Group is a diversified healthcare company operating as a medical insurer (UnitedHealthcare) and a healthcare services and data analytics provider (Optum). UnitedHealth shows a defensive profile with a 7.18% FCF yield and 90.97% cash conversion, although revenue growth is flat (0.40%) and operating margin (7.13%) is tight. Valuation is reasonable (forward P/E 16.66) and the balance sheet is manageable (ND/EBITDA 1.57), with the main risk on the regulatory front for Medicare Advantage.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
UnitedHealth Group is a diversified healthcare company operating as a medical insurer (UnitedHealthcare) and a healthcare services and data analytics provider (Optum). UnitedHealth shows a defensive profile with a 7.18% FCF yield and 90.97% cash conversion, although revenue growth is flat (0.40%) and operating margin (7.13%) is tight. Valuation is reasonable (forward P/E 16.66) and the balance sheet is manageable (ND/EBITDA 1.57), with the main risk on the regulatory front for Medicare Advantage.
Score by category
| Category | Score |
|---|---|
| Financial health | 5.0 |
| Quality / Moat | 6.4 |
| Valuation | 6.2 |
| Growth | 6.9 |
| Dividend | 7.0 |
| Momentum | 5.5 |
| Risk & Context | 7.4 |
OVERALL SCORE: 6.3/10
Context and risks
Structural regulatory risk in the US health sector: political pressure on Medicare Advantage pricing and possible tightening of regulations on insurers. The country of domicile (US) has moderate governance risk.
News considered in the analysis
- UnitedHealthcare Is Dropping Prior Authorization for Roughly 1,700 Medical Procedures in October. Only About 120 Apply to Medicare Advantage, Where It Denied 17% of Standard Requests — Reduce fricción administrativa y mejora la experiencia del paciente, pero el impacto financiero es limitado ya que solo ~120 procedimientos afectan a Medicare Advantage.
- UnitedHealth Stock Is Up 14% in 2026. Time to Sell or Load Up? — Artículo de opinión sin información nueva sobre fundamentales.
- 3 U.S. Dividend Stocks Offering Defensive Income as Fed Rate Pressure Persists — Listículo genérico sin información específica sobre UNH.
- 67-Year-Old Costs Himself $1,315 A Year In Taxes Using A Treasury Fund To Add $1,000 A Month In Income To His Social Security And Pension. If He’d Used SCHD Instead His Tax Bill Would Be Reduced By Over 60% — Contenido publicitario no relacionado con la empresa.
- Is CorVel (CRVL) Wiring Itself Into the Heart of Insurance Claims? — Noticia sobre un competidor menor sin impacto directo en UNH.
Verdict: Hold; the combination of reasonable valuation, solid cash generation, and contained regulatory risk does not justify an aggressive buy or a sell.
Main risk: The main risk is regulatory and political pressure on Medicare Advantage pricing and potential intervention in health insurer margins in the US.
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