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Upturn AI SWOT - About
UNH 
UnitedHealth Group Incorporated (UNH)
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Upturn Advisory Summary
07/11/2025: UNH (1-star) is currently NOT-A-BUY. Pass it for now.
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 $385.25
1 Year Target Price $385.25
| 14 | Strong Buy |
| 6 | Buy |
| 5 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -32.34% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/11/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 275.86B USD | Price to earnings Ratio 12.72 | 1Y Target Price 385.25 |
Price to earnings Ratio 12.72 | 1Y Target Price 385.25 | ||
Volume (30-day avg) 27 | Beta 0.45 | 52 Weeks Range 247.13 - 621.24 | Updated Date 07/12/2025 |
52 Weeks Range 247.13 - 621.24 | Updated Date 07/12/2025 | ||
Dividends yield (FY) 2.83% | Basic EPS (TTM) 23.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.39% | Operating Margin (TTM) 8.32% |
Management Effectiveness
Return on Assets (TTM) 7.04% | Return on Equity (TTM) 22.7% |
Valuation
Trailing PE 12.72 | Forward PE 13.37 | Enterprise Value 322841408108 | Price to Sales(TTM) 0.67 |
Enterprise Value 322841408108 | Price to Sales(TTM) 0.67 | ||
Enterprise Value to Revenue 0.79 | Enterprise Value to EBITDA 8.87 | Shares Outstanding 907139968 | Shares Floating 904509734 |
Shares Outstanding 907139968 | Shares Floating 904509734 | ||
Percent Insiders 0.25 | Percent Institutions 91.23 |
Upturn AI SWOT
UnitedHealth Group Incorporated
Company Overview
History and Background
UnitedHealth Group Incorporated was founded in 1977 as Charter Med Incorporated. It evolved from a single health plan to a diversified health care company through strategic acquisitions and organic growth. It's become a major player in managed care and health services.
Core Business Areas
- UnitedHealthcare: Provides health care coverage and benefits services to individuals, employers, and Medicare and Medicaid beneficiaries.
- Optum: Offers technology-enabled health services, including pharmacy benefit management (OptumRx), health care delivery (Optum Health), and data analytics/consulting (Optum Insight).
Leadership and Structure
Andrew Witty is the current CEO. The organizational structure is comprised of distinct business segments (UnitedHealthcare and Optum) operating under a centralized corporate umbrella.
Top Products and Market Share
Key Offerings
- Employer & Individual Health Insurance: Provides health insurance plans to employers and individuals. Competitors include Anthem (ELV), Cigna (CI), and Aetna (CVS). No specific market share data is readily available.
- Medicare & Retirement Plans: Offers Medicare Advantage and Part D plans. Competitors include Humana (HUM) and CVS Health (CVS) through Aetna. UnitedHealthcare has a leading market share in Medicare Advantage.
- Revenue: Revenues from Medicare and Retirement plans were about 47% of the total revenue in 2023.
- OptumRx: A pharmacy benefit management (PBM) service. Competitors include CVS Caremark (CVS) and Express Scripts (CI). OptumRx handles a significant number of prescriptions annually and generates substantial revenue.
- Revenue: OptumRx revenues contributed approximately 29% to the total revenues in 2023.
Market Dynamics
Industry Overview
The health insurance and managed care industry is experiencing growth driven by an aging population, increasing healthcare costs, and technological advancements. Consolidation is also prevalent.
Positioning
UnitedHealth Group is a market leader with a diversified business model, scale advantages, and a focus on innovation. Its vertically integrated model through Optum provides a competitive edge.
Total Addressable Market (TAM)
The US healthcare expenditure is around $4.5 trillion annually, with a large portion being the TAM. UnitedHealth Group Incorporated is positioned to capture significant portions of this TAM via its different segments.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Leading market position
- Strong brand recognition
- Vertically integrated model (Optum)
- Innovation in healthcare technology
Weaknesses
- Exposure to regulatory changes
- Complexity of operations
- Public perception of health insurers
- Dependence on government programs
Opportunities
- Expanding into new markets and geographies
- Leveraging technology for cost reduction
- Growing demand for value-based care
- Increasing telehealth adoption
Threats
- Rising healthcare costs
- Increased competition
- Adverse regulatory actions
- Economic downturns
Competitors and Market Share
Key Competitors
- CVS (CVS)
- Elevance Health (ELV)
- Humana (HUM)
- Cigna (CI)
Competitive Landscape
UnitedHealth Group has a competitive advantage due to its scale, diversification, and Optum's services. Competition is fierce, requiring constant innovation and efficiency.
Major Acquisitions
Change Healthcare
- Year: 2022
- Acquisition Price (USD millions): 13000
- Strategic Rationale: Expanded OptumInsight's data analytics and technology capabilities.
Growth Trajectory and Initiatives
Historical Growth: UnitedHealth Group has achieved consistent revenue and earnings growth through organic initiatives and acquisitions.
Future Projections: Analysts project continued revenue and earnings growth driven by expansion in existing markets and new business opportunities. Revenue growth around 9% per year and EPS growth around 13% per year is expected.
Recent Initiatives: Recent strategic initiatives include expanding Optum's services, investing in technology, and focusing on value-based care arrangements.
Summary
UnitedHealth Group is a strong and diversified healthcare company with a leading market position. Its Optum segment provides a significant competitive advantage, driving growth and innovation. Potential risks include regulatory changes and rising healthcare costs, but overall, UnitedHealth Group is well-positioned for continued success. It has had multiple acquisitions to keep relevant and maintain the competitive advantage.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10K, 10Q), Investor Presentations, Analyst Reports, Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Actual results may vary.
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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