UnitedHealth Group Incorporated (UNH)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $bn | 257 | 288 | 324 | 372 | 400 | 448 | 450 | 446 |
| Operating profit | $bn | 19 | 22 | ||||||
| Net profit | $bn | 15 | 17 | 20 | 22 | 14 | 12 | 14 | 18 |
| EPS reported | $ | 13.23 | 15.55 | ||||||
| Operating cashflow per share | $ | 21.65 | 29.82 | ||||||
| Capex per share | $ | 3.98 | 3.75 | ||||||
| FCF per share | $ | 17.66 | 26.07 | ||||||
| Free cash flow | $bn | 16 | 24 | ||||||
| Net debt | $bn | 50 | 42 | ||||||
| Book value equity | $bn | 94 | 98 | ||||||
| Book value per share | $ | 103.4 | 108.7 | ||||||
| Number of shares | m | 910 | 906 | ||||||
| DPS (TTM paid) | $ | 8.73 | 9.06 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 24.95 | 24.22 | ||||||
| P/B LTM | x | 3.19 | 3.05 | ||||||
| P/S LTM | x | 0.67 | 0.67 | ||||||
| P/FCF LTM | x | 18.69 | 12.72 | ||||||
| EV/EBITDA LTM | x | 15.37 | 13.76 | ||||||
| EV/Sales LTM | x | 0.79 | 0.92 | ||||||
| Earnings Yield LTM | % | +4.01% | +4.13% | ||||||
| FCF Yield | % | +5.35% | +7.86% | ||||||
| Quality | |||||||||
| ROE | % | +12.81% | +14.40% | ||||||
| ROIC | % | +8.23% | +6.84% | ||||||
| Operating margin | % | +4.24% | +4.82% | ||||||
| Gross margin | % | +18.53% | +22.49% | ||||||
| FCF/Sales | % | +3.59% | +5.25% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -14.70% | +0.26% | ||||||
| Sales Growth YoY | % | +11.81% | +12.45% | ||||||
| Net Income Growth YoY | % | -16.31% | -1.96% | ||||||
| FCF Growth | % | -22.36% | +14.06% | ||||||
| Operating Profit Growth | % | -41.26% | -32.86% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.64% | +2.19% | ||||||
| Dividend Growth | % | +6.72% | +10.76% | ||||||
| Payout Ratio | % | +65.75% | +57.24% | ||||||
| FCF/Debt | x | 0.21 | 0.32 | ||||||
| Net Debt/EBITDA | x | 2.34 | 1.62 | ||||||
| EBIT/Net interest | x | 4.74 | 5.57 | ||||||
| Net debt/market cap | % | +26.09% | +19.74% | ||||||
| Net debt/Equity | x | 0.53 | 0.43 | ||||||
| Gross debt/equity | x | 0.83 | 0.74 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individual consumers. It also delivers specialized health coverage and wellness programs tailored for individuals aged 50 and older, addressing their needs for preventive and acute care, chronic disease management, and other age-specific health issues. This division further encompasses Medicaid plans, children's health insurance, dental benefits, and various hospital and clinical services. Optum Health focuses on delivering direct healthcare solutions and management services. It facilitates access to networks of specialist care providers, offers health management programs, direct care delivery, consumer engagement initiatives, and financial services. Its diverse clientele includes individuals (served directly through care systems), employers, insurance payers, and government organizations. Optum Insight specializes in providing technology, information, and consulting services to the healthcare industry. Its offerings include software and data products, advisory consulting arrangements, and outsourced managed services. Clients span hospital systems, physicians, health plans, governmental bodies, life sciences companies, and other relevant organizations. Finally, Optum Rx handles the company's pharmaceutical care services. This segment manages retail pharmacy networks, provides home prescription delivery, and offers specialty and compounding pharmacy capabilities. Leveraging its purchasing power and clinical expertise, Optum Rx also develops advanced programs related to step therapy, formulary management, medication adherence, and integrated disease and drug therapy management. UnitedHealth Group Incorporated, founded in 1977, has its corporate headquarters located in Minnetonka, Minnesota.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
UnitedHealth Group Incorporated (UNH)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individual consumers. It also delivers specialized health coverage and wellness programs tailored for individuals aged 50 and older, addressing their needs for preventive and acute care, chronic disease management, and other age-specific health issues. This division further encompasses Medicaid plans, children's health insurance, dental benefits, and various hospital and clinical services. Optum Health focuses on delivering direct healthcare solutions and management services. It facilitates access to networks of specialist care providers, offers health management programs, direct care delivery, consumer engagement initiatives, and financial services. Its diverse clientele includes individuals (served directly through care systems), employers, insurance payers, and government organizations. Optum Insight specializes in providing technology, information, and consulting services to the healthcare industry. Its offerings include software and data products, advisory consulting arrangements, and outsourced managed services. Clients span hospital systems, physicians, health plans, governmental bodies, life sciences companies, and other relevant organizations. Finally, Optum Rx handles the company's pharmaceutical care services. This segment manages retail pharmacy networks, provides home prescription delivery, and offers specialty and compounding pharmacy capabilities. Leveraging its purchasing power and clinical expertise, Optum Rx also develops advanced programs related to step therapy, formulary management, medication adherence, and integrated disease and drug therapy management. UnitedHealth Group Incorporated, founded in 1977, has its corporate headquarters located in Minnetonka, Minnesota.
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