Quality Scorecard Stable
Stable-stage checklist (proxy metrics from yfinance). 11 of 11 criteria scored. Not financial advice.
Buy-Now Score
Comparative rank: 40% Quality + 30% Trajectory + 30% Valuation — higher = better buy now. Not financial advice.
Valuation
DCF: 10% start growth → 2.5%, 7.8% discount (band $258.97–$492.47). Analyst: 26 analysts. MarketGist fair = 80% analyst + 20% DCF. Not financial advice.
Key Trends (6-yr)
Company Overview
Basic Information
Company Details
Business Description
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. It operates through four segments: Optum Health, Optum Insight, Optum Rx; and UnitedHealthcare. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services with 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, public entities, 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. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community 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. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
Key Metrics
Price & Valuation
Profitability
Financial Health
Trading & Analyst Info
52-Week Range
Analyst Recommendations
Price graph
Price vs Rates, Inflation & Volume (long-term)
Fundamental Trends
Quarterly Verdict
Heuristic from the Quality Scorecard + quarter-over-quarter trends. Not financial advice.
Financial Statements
Income Statement (Annual)
| Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Tax Effect Of Unusual Items | $-34.19M | $-2.00B | $0.00 | $0.00 | N/A |
| Tax Rate For Calcs | $0.13 | $0.24 | $0.20 | $0.22 | N/A |
| Normalized EBITDA | $23.32B | $36.39B | $36.33B | $31.84B | N/A |
| Total Unusual Items | $-265.00M | $-8.31B | $0.00 | $0.00 | N/A |
| Total Unusual Items Excluding Goodwill | $-265.00M | $-8.31B | $0.00 | $0.00 | N/A |
| Net Income From Continuing Operation Net Minority Interest | $12.06B | $14.40B | $22.38B | $20.12B | N/A |
| Reconciled Depreciation | $4.36B | $4.10B | $3.97B | $3.40B | N/A |
| Reconciled Cost Of Revenue | $364.65B | $310.88B | $280.66B | $244.54B | N/A |
| EBITDA | $23.06B | $28.08B | $36.33B | $31.84B | N/A |
| EBIT | $18.70B | $23.98B | $32.36B | $28.43B | N/A |
| Net Interest Income | $-4.00B | $-3.91B | $-3.25B | $-2.09B | N/A |
| Interest Expense | $4.00B | $3.91B | $3.25B | $2.09B | N/A |
| Normalized Income | $12.29B | $20.71B | $22.38B | $20.12B | N/A |
| Net Income From Continuing And Discontinued Operation | $12.06B | $14.40B | $22.38B | $20.12B | N/A |
| Total Expenses | $428.60B | $367.99B | $339.26B | $295.73B | N/A |
Showing 15 of 43 rows
Balance Sheet (Annual)
| Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Ordinary Shares Number | $905.84M | $915.00M | $924.00M | $934.00M | N/A |
| Share Issued | $905.84M | $915.00M | $924.00M | $934.00M | N/A |
| Net Debt | $54.02B | $51.59B | $37.11B | $34.26B | N/A |
| Total Debt | $78.39B | $76.90B | $62.54B | $57.62B | N/A |
| Tangible Book Value | $-36.86B | $-37.34B | $-30.17B | $-29.98B | N/A |
| Invested Capital | $172.50B | $169.56B | $151.29B | $135.40B | N/A |
| Working Capital | $-24.32B | $-17.99B | $-20.62B | $-20.17B | N/A |
| Net Tangible Assets | $-36.86B | $-37.34B | $-30.17B | $-29.98B | N/A |
| Common Stock Equity | $94.11B | $92.66B | $88.76B | $77.77B | N/A |
| Total Capitalization | $166.43B | $165.02B | $147.02B | $132.28B | N/A |
| Total Equity Gross Minority Interest | $101.70B | $102.59B | $98.92B | $86.35B | N/A |
| Minority Interest | $7.59B | $9.93B | $10.16B | $8.57B | N/A |
| Stockholders Equity | $94.11B | $92.66B | $88.76B | $77.77B | N/A |
| Gains Losses Not Affecting Retained Earnings | $-2.06B | $-3.39B | $-7.03B | $-8.39B | N/A |
| Other Equity Adjustments | $-2.06B | $-3.39B | $-7.03B | $-8.39B | N/A |
Showing 15 of 61 rows
Cash Flow Statement (Annual)
| Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $16.07B | $20.70B | $25.68B | $23.40B | N/A |
| Repurchase Of Capital Stock | $-5.54B | $-9.00B | $-8.00B | $-7.00B | N/A |
| Repayment Of Debt | $-3.05B | $-3.00B | $-2.12B | $-3.02B | N/A |
| Issuance Of Debt | $2.97B | $17.81B | $6.39B | $14.82B | N/A |
| Issuance Of Capital Stock | $827.00M | $1.85B | $1.35B | $1.25B | N/A |
| Capital Expenditure | $-3.62B | $-3.50B | $-3.39B | $-2.80B | N/A |
| Interest Paid Supplemental Data | $4.03B | $3.59B | $3.04B | $1.95B | N/A |
| Income Tax Paid Supplemental Data | $3.71B | $4.62B | $6.08B | $5.22B | N/A |
| End Cash Position | $24.36B | $25.31B | $25.43B | $23.36B | N/A |
| Other Cash Adjustment Outside Changein Cash | $-355.00M | $-219.00M | $0.00 | $0.00 | N/A |
| Beginning Cash Position | $25.31B | $25.43B | $23.36B | $21.38B | N/A |
| Effect Of Exchange Rate Changes | $40.00M | $-61.00M | $97.00M | $34.00M | N/A |
| Changes In Cash | $-632.00M | $165.00M | $1.97B | $1.96B | N/A |
| Financing Cash Flow | $-11.64B | $-3.51B | $-11.53B | $4.23B | N/A |
| Cash Flow From Continuing Financing Activities | $-11.64B | $-3.51B | $-11.53B | $4.23B | N/A |
Showing 15 of 56 rows