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UNH 
UnitedHealth Group Incorporated (UNH)
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Upturn Advisory Summary
01/09/2026: UNH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
27 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $393.85
1 Year Target Price $393.85
| 14 | Strong Buy |
| 6 | Buy |
| 5 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.83% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 311.59B USD | Price to earnings Ratio 17.93 | 1Y Target Price 393.85 |
Price to earnings Ratio 17.93 | 1Y Target Price 393.85 | ||
Volume (30-day avg) 27 | Beta 0.42 | 52 Weeks Range 231.57 - 594.32 | Updated Date 01/10/2026 |
52 Weeks Range 231.57 - 594.32 | Updated Date 01/10/2026 | ||
Dividends yield (FY) 2.49% | Basic EPS (TTM) 19.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.04% | Operating Margin (TTM) 3.81% |
Management Effectiveness
Return on Assets (TTM) 5.36% | Return on Equity (TTM) 17.48% |
Valuation
Trailing PE 17.93 | Forward PE 19.61 | Enterprise Value 363712125347 | Price to Sales(TTM) 0.72 |
Enterprise Value 363712125347 | Price to Sales(TTM) 0.72 | ||
Enterprise Value to Revenue 0.84 | Enterprise Value to EBITDA 11.92 | Shares Outstanding 905838620 | Shares Floating 898148050 |
Shares Outstanding 905838620 | Shares Floating 898148050 | ||
Percent Insiders 0.81 | Percent Institutions 83.77 |
Upturn AI SWOT
UnitedHealth Group Incorporated
Company Overview
History and Background
UnitedHealth Group Incorporated (UNH) was founded in 1977 by Richard T. Burke as Charter Med Incorporated. It underwent a name change to United HealthCare Corporation in 1990 and later to UnitedHealth Group in 2001. The company has grown through a series of strategic acquisitions and organic growth, evolving from a regional health insurer to a diversified healthcare and well-being company with a significant presence in both insurance and health services.
Core Business Areas
- UnitedHealthcare: This segment offers a comprehensive range of health benefit plans and services to individuals, employers, and Medicare and Medicaid beneficiaries. Products include medical, dental, vision, and pharmacy benefits.
- Optum: Optum is the technology and data-enabled health services arm of UnitedHealth Group. It comprises Optum Health (direct care delivery), Optum Insight (data analytics and performance solutions), and Optum Rx (pharmacy benefits management).
Leadership and Structure
UnitedHealth Group is led by a corporate executive team, with Andrew Witty serving as the Chief Executive Officer. The company is structured into its two primary segments: UnitedHealthcare and Optum, each with its own leadership responsible for operations and strategy within their respective domains.
Top Products and Market Share
Key Offerings
- Health Insurance Plans (UnitedHealthcare): UnitedHealthcare offers a wide array of health insurance products for individuals, small businesses, large employers, and government programs (Medicare, Medicaid). Market share in the health insurance market is substantial, though fragmented. Competitors include Elevance Health (formerly Anthem), CVS Health (Aetna), Centene Corporation, and Humana.
- Pharmacy Benefits Management (Optum Rx): Optum Rx provides a full spectrum of pharmacy care services, including prescription drug benefit management, mail-order pharmacy, and specialty pharmacy. It is a major player in the PBM market, facing competition from Express Scripts (Cigna), CVS Caremark, and independent PBMs.
- Health Services and Analytics (Optum Health & Optum Insight): This includes care delivery through physician groups and ambulatory centers (Optum Health) and data analytics, technology, and consulting services for providers and payers (Optum Insight). Competitors vary widely depending on the specific service, ranging from other large health systems to specialized tech and consulting firms.
Market Dynamics
Industry Overview
The healthcare industry in the US is characterized by rapid innovation, increasing demand driven by an aging population and chronic disease prevalence, and significant regulatory oversight. The insurance sector is consolidating, while the health services sector is experiencing growth driven by technology and value-based care models.
Positioning
UnitedHealth Group is a leading diversified healthcare company with a dominant position in health insurance and a rapidly growing presence in health services through its Optum segment. Its scale, integrated model, and technological capabilities provide significant competitive advantages.
Total Addressable Market (TAM)
The total addressable market for healthcare services and insurance in the U.S. is in the trillions of dollars. UnitedHealth Group addresses a significant portion of this TAM through its broad product and service offerings, aiming to capture a larger share by providing end-to-end solutions for individuals and employers.
Upturn SWOT Analysis
Strengths
- Diversified business model (insurance and services)
- Strong brand recognition and customer loyalty
- Extensive scale and market penetration
- Advanced technological capabilities (Optum)
- Integrated care delivery and pharmacy management
Weaknesses
- Susceptibility to regulatory changes and government policy shifts
- Potential for increased competition in specific service areas
- Complexity of managing diverse operations
- Dependence on government programs (Medicare/Medicaid)
Opportunities
- Expansion into emerging health technologies (AI, telehealth)
- Growth in value-based care models
- Further integration of Optum's services
- International market expansion
- Addressing the needs of an aging population
Threats
- Intensifying competition from new market entrants and established players
- Healthcare cost inflation
- Cybersecurity threats and data breaches
- Changes in reimbursement models
- Economic downturns affecting employer-sponsored insurance
Competitors and Market Share
Key Competitors
- Elevance Health Inc. (ELV)
- CVS Health Corporation (CVS)
- Centene Corporation (CNC)
- Humana Inc. (HUM)
Competitive Landscape
UnitedHealth Group benefits from its diversified revenue streams, scale, and its highly integrated Optum segment, which offers distinct advantages over competitors primarily focused on insurance. However, it faces intense competition across all its business lines.
Major Acquisitions
Amedisys Inc.
- Year: 2023
- Acquisition Price (USD millions): 3300
- Strategic Rationale: To expand Optum's home health and care delivery capabilities, complementing existing services and addressing the growing demand for in-home care.
Change Healthcare Inc.
- Year: 2022
- Acquisition Price (USD millions): 13000
- Strategic Rationale: To enhance Optum Insight's data and analytics capabilities, streamline healthcare administrative processes, and improve interoperability within the healthcare system.
Growth Trajectory and Initiatives
Historical Growth: UnitedHealth Group has demonstrated consistent historical growth, driven by its expansion in both insurance enrollment and its Optum services segment. The company has a proven track record of successfully integrating acquisitions and outperforming industry averages.
Future Projections: Analysts project continued strong revenue and earnings growth for UnitedHealth Group, supported by the sustained demand for its diverse healthcare offerings and ongoing strategic investments in technology and care delivery.
Recent Initiatives: Recent initiatives include further integration of Optum's capabilities to provide more comprehensive care solutions, expansion of its virtual care offerings, and strategic acquisitions to bolster its presence in specific health service markets.
Summary
UnitedHealth Group is a formidable leader in the healthcare industry, excelling in both insurance and health services through its well-integrated Optum segment. Its diversified model, scale, and technological investments drive strong financial performance and growth. While facing ongoing regulatory scrutiny and competition, the company's strategic focus on value-based care and innovation positions it well for continued success, though it must remain vigilant against evolving market dynamics and healthcare cost pressures.
Similar Stocks
Sources and Disclaimers
Data Sources:
- UnitedHealth Group Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Market Research Reports
Disclaimers:
This JSON output is generated for informational purposes only and should not be considered financial advice. All data is based on publicly available information and may be subject to change. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About UnitedHealth Group Incorporated
Exchange NYSE | Headquaters Eden Prairie, MN, United States | ||
IPO Launch date 1984-10-26 | CEO & Non-Independent Non-Executive Chairman Mr. Stephen J. Hemsley | ||
Sector Healthcare | Industry Healthcare Plans | Full time employees 400000 | |
Full time employees 400000 | |||
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. The company operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage, and health and well-being services to individuals age 50 and older; Medicaid plans, children's health insurance and health care programs; and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
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