UNH · UnitedHealth Group Inc
Price
Snapshot
50 fields · last close| Market Cap | $365.0B |
| P/E | 23.39 |
| Float | 905.9M |
| Beta | 0.54 |
| Volatility | 13.5% |
| Exchange | NYSE |
| Sector | Health Care |
| Cap tier | Mega cap |
| Macro sensitivity | Low |
| Clavix score | 80.5 |
| Price | 400.82 |
| Change | −0.15% |
| Prev Close | 401.43 |
| Open | 401.24 |
| Day Low | 400.00 |
| Day High | 414.12 |
| Avg Vol | 6 |
| Avg $ Vol | $2.64B |
| 52W High | 461.62 |
| 52W Low | 255.97 |
| 52W Pos | 70.4% |
| From High | −13.17% |
| From Low | +56.59% |
| Max DD 1Y | −29.58% |
| Spread | 0.10% |
| Liquidity | Deep |
| SMA 20 | +6.22% |
| SMA 50 | +3.48% |
| SMA 200 | +11.73% |
| RSI (14) | 68.0 |
| Vol 30D | 24.6% |
| Vol 90D | 23.7% |
| 1Y Range | 256–462 |
| Daily bars | 535 |
| Perf Week | +9.63% |
| Perf Month | +8.37% |
| Perf Quarter | −4.56% |
| Perf Half Y | +28.53% |
| Perf Year | +12.99% |
| Perf YTD | +19.15% |
| Prev Day | −0.15% |
| Clavix | B+ |
| Debt / Eq | 0.83 |
| Curr Ratio | 0.79 |
| Int Cover | 6.1× |
| FCF Margin | 3.6% |
| Rev Growth | +11.8% |
| Profit | Profitable |
| Leverage | Moderate |
| Sector rank | 14 / 49 |
What UNH does
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.
Clavix risk grade
regraded every trading dayUNH grades B+, 80.5 of 100. Steadiest on Macro Resilience (69), most exposed on News Sentiment (25, weak). 3 of the 4 weighted dimensions sit above the Health Care median. Ranks 14 of 49 in Health Care by Clavix score.
How rough the ride is
| UNH | Health Care median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 0.54 | 0.84 |
| Volatilityannualized | 13.5% | 21.1% |
| Max drawdown, past yearworst peak-to-trough fall | −29.6% | — |
| Typical daily movemedian absolute daily change | 1.09% | — |
| Days beyond ±3%of the last 252 sessions | 18 (7%) | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| UNH | Health Care median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 0.54 | 0.84 |
| Macro sensitivityrate, dollar and credit exposure bucket | Low | Moderate 53% of 49 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Health Care names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| UNH | |
|---|---|
| 1 week | +9.6% |
| 1 month | +8.4% |
| Year to date | +19.1% |
| 1 year | +13.0% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| UNH | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30 since 30 Sep |
| Average score0 most bearish, 100 most bullish | 55 |
| Bullish · bearisharticles above 60 · below 40 | 15 · 8 |
| Directionarticles whose tone is improving vs worsening | 15 ↑ 8 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 49 Health Care names Clavix covers; the tick is the sector median.
Growth
| UNH | |
|---|---|
| Revenue growthyear over year | +11.8% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Health Care median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openUnitedHealth is focusing on special needs plans (Medicare plans tailored to people with specific chronic illnesses, those eligible for both Medicare and Medicaid, or people in institutional care) alongside expanded Medicare coverage and better profit margins, which the article says could support targeted growth in 2027 even though cost pressures remain.
UnitedHealth Group raised its full-year 2026 adjusted earnings-per-share guidance to at least $20.50 in its third-quarter report. The article notes that Wall Street estimates may now look too low, but profit margins remain well below historical averages, which could cap further gains over the next couple of years.
UnitedHealth Group beat analyst expectations on both revenue and profit for the third straight quarter, but investors gave the results a lukewarm reaction similar to the response after its Q2 2026 report.
UnitedHealth's third-quarter profit rose 61% to $4.69 per share, excluding one-off items, and the company lifted its 2026 profit outlook to at least $20.50 per share. The share of premium dollars spent on medical care fell to 88.4%, improving by 1.5 percentage points, though about 0.7 points of that gain came from releasing old claim reserves. Nine-month operating cash flow hit $25.1 billion.
UnitedHealth has lost members and fallen about 10% over three months, even after a quarter where it beat earnings estimates and raised its guidance and the stock still closed lower. A major bank has raised its price target for UNH, implying roughly 40% upside from here.
Nearest peers by size
Health Care| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| ABT | Abbott Laboratories | B+ | $181.1B | 33.41 | 0.55 | Compare |
| ISRG | Intuitive Surgical Inc | B- | $151.2B | 47.42 | 1.46 | Compare |
| MDT | Medtronic PLC | A- | $122.1B | 23.15 | 0.59 | Compare |
| CVS | CVS Health Corp | A- | $118.4B | 23.91 | 0.59 | Compare |
| MCK | McKesson Corp | B+ | $116.4B | 25.30 | 0.31 | Compare |
| SYK | Stryker Corp | B | $112.5B | 29.93 | 0.79 | Compare |
| HCA | HCA Healthcare Inc | B+ | $101.4B | 14.83 | 1.12 | Compare |
| ELV | Elevance Health Inc | B+ | $92.91B | 18.78 | 0.64 | Compare |
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