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Upturn AI SWOT - About
UNH 
UnitedHealth Group Incorporated (UNH)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: 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 $327.29
1 Year Target Price $327.29
| 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 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 245.88B USD | Price to earnings Ratio 11.75 | 1Y Target Price 327.29 |
Price to earnings Ratio 11.75 | 1Y Target Price 327.29 | ||
Volume (30-day avg) 27 | Beta 0.44 | 52 Weeks Range 234.60 - 621.24 | Updated Date 08/15/2025 |
52 Weeks Range 234.60 - 621.24 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.13% | Basic EPS (TTM) 23.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-29 | When Before Market | Estimate 4.45 | Actual 4.08 |
Profitability
Profit Margin 5.04% | Operating Margin (TTM) 4.61% |
Management Effectiveness
Return on Assets (TTM) 6.46% | Return on Equity (TTM) 21.65% |
Valuation
Trailing PE 11.75 | Forward PE 16.45 | Enterprise Value 293054332451 | Price to Sales(TTM) 0.58 |
Enterprise Value 293054332451 | Price to Sales(TTM) 0.58 | ||
Enterprise Value to Revenue 0.69 | Enterprise Value to EBITDA 8.39 | Shares Outstanding 905673984 | Shares Floating 903001888 |
Shares Outstanding 905673984 | Shares Floating 903001888 | ||
Percent Insiders 0.25 | Percent Institutions 87.64 |
Upturn AI SWOT
UnitedHealth Group Incorporated
Company Overview
History and Background
UnitedHealth Group Incorporated was founded in 1977 as Charter Med Incorporated. It evolved into a diversified healthcare company through organic growth and acquisitions, becoming a leading player in health benefits and healthcare services.
Core Business Areas
- UnitedHealthcare: Provides healthcare coverage, benefits, and services to individuals, employers, and Medicare and Medicaid beneficiaries.
- Optum: Offers technology-enabled health services, including pharmacy benefits management (OptumRx), healthcare delivery (OptumHealth), and data analytics (OptumInsight).
Leadership and Structure
Andrew Witty is the current CEO. The company operates with a decentralized structure, giving autonomy to its UnitedHealthcare and Optum businesses.
Top Products and Market Share
Key Offerings
- Employer & Individual Health Insurance Plans: Provides health insurance coverage to employees and individuals. UnitedHealthcare holds a significant market share in this segment. Competitors include Anthem (now Elevance Health), Cigna, and Aetna (CVS Health).
- Medicare & Retirement Plans: Offers Medicare Advantage, Medicare Supplement, and Part D prescription drug plans. UnitedHealthcare is a leading provider in the Medicare market. Competitors include Humana, CVS Health, and Kaiser Permanente.
- OptumRx: A pharmacy benefits management (PBM) service. OptumRx manages prescription drug benefits for employers, health plans, and government programs. The revenue generated from this product accounts for a significant portion of Optum's earnings. Competitors include CVS Health (Caremark) and Cigna (Evernorth/Express Scripts).
Market Dynamics
Industry Overview
The healthcare industry is experiencing increased demand, rising costs, regulatory changes, and technological advancements. Consolidation among providers and payers is also a key trend.
Positioning
UnitedHealth Group is a market leader with a vertically integrated model, combining health insurance with healthcare services and technology. It benefits from scale, brand recognition, and data analytics capabilities.
Total Addressable Market (TAM)
The U.S. healthcare expenditure is multi-trillion, with an expected total market value of more than $4.76 trillion in 2023. UnitedHealth Group is positioned well to capture a significant portion of this TAM through its broad range of services.
Upturn SWOT Analysis
Strengths
- Scale and market leadership
- Diversified business model
- Strong brand recognition
- Vertically integrated operations
- Advanced data analytics capabilities
Weaknesses
- Regulatory scrutiny
- High debt levels
- Potential for pricing pressure
- Dependence on government contracts
- Complexity of operations
Opportunities
- Growing demand for healthcare services
- Expansion into new markets
- Increased adoption of telehealth
- Development of innovative healthcare solutions
- Acquisition opportunities
Threats
- Healthcare reform
- Increased competition
- Cybersecurity risks
- Economic downturn
- Changes in government regulations
Competitors and Market Share
Key Competitors
- Elevance Health (ELV)
- CVS Health (CVS)
- Humana (HUM)
Competitive Landscape
UnitedHealth Group's advantages include its scale, diversified business model, and data analytics capabilities. Disadvantages include regulatory scrutiny and potential pricing pressure.
Major Acquisitions
Change Healthcare
- Year: 2022
- Acquisition Price (USD millions): 8000
- Strategic Rationale: This acquisition enhances OptumInsight's data analytics and technology capabilities, expanding its reach in healthcare technology.
Growth Trajectory and Initiatives
Historical Growth: UnitedHealth Group has demonstrated strong revenue and earnings growth over the past decade, driven by its diversified business model and strategic acquisitions.
Future Projections: Analysts project continued revenue and earnings growth for UnitedHealth Group, fueled by increasing demand for healthcare services and the company's expansion initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion of telehealth services, and strategic acquisitions to enhance its service offerings.
Summary
UnitedHealth Group is a market leader in the healthcare industry with a strong and diversified business model. It benefits from its scale, brand recognition, and advanced data analytics. Regulatory scrutiny remains a key risk, but the company is well-positioned for continued growth due to increasing demand for healthcare services and strategic initiatives to deliver improved value and outcomes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10K, 10Q), Investor Presentations, Earnings Call Transcripts, Market Research Reports, Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data and market conditions are subject to change. Consult with a qualified financial advisor 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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