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UNH

UnitedHealth Group Incorporated NYQ · UNH

$426.09 +2.71 (+0.64%)
Neutral · +0.60σ Grade C
Mkt cap $387.0B
P/E 32.1
Day $425.10 – $437.47
52wk $255.97 – $461.62
Avg vol 7.3M
Beta 0.63
Div yld 2.18%
Next earnings 2026-07-16

Quick read

Plain English

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.

UNH last traded at $426.09, up 0.6% on the day; that's in the upper part of its 52-week range ($255.97–$461.62). Right now it's trading close to its recent average, with no strong stretch in either direction.

The next scheduled earnings report (2026-07-16) is the biggest known catalyst on the calendar, and day to day, watch whether it holds above or slips below its recent average.

A plain-English snapshot built from the data on this page — not investment advice. Always do your own research.

Today's read

Grading desk →

KC1 upper, +0.59 ATR from EMA21 — doji

Long C
score 25 · tech 25 / 80 · support 0 / 20
above KC1 lower, +0.59 ATR from EMA21 · doji
  • · Doji — indecision, watch for reversal
  • · Volume 1.6x avg (no candle alignment)
  • · Aligned with breakout up (strong tailwind)
How this grade was earned
total 25 pts
Cycle position 6
Candle signal 6
Volume 3
Market fit 10

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

Short C
score 26 · tech 26 / 80 · support 0 / 20
KC1 upper, +0.59 ATR from EMA21 · doji
  • · KC1 upper stretch — light pop
  • · Doji — indecision, watch for reversal
  • · Volume surge 1.6x avg
How this grade was earned
total 26 pts
Cycle position 14
Candle signal 6
Volume 6

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

132-Day Trend Zones

Full chart →
21 EMA +1 ATR +2 ATR −2 ATR
O H L C

Under the hood

On the latest daily bar, momentum sits mid-range (RSI 58), the trend is strong (ADX 39), and trading is unusually heavy at 1.6× normal volume. On the business side, revenue is growing 2% year over year and the business keeps about 4 cents of every sales dollar as free cash.

Latest-bar indicator readings behind the grade — display-only, they don't move the letter.

Momentum · RSI
58
0–100 · <30 oversold
Trend strength · ADX
39
>25 = strong trend
Volume vs avg
1.61×
1× = average
Stretch from avg
+0.6 ATR
− below · + above
Zone touches
0
tests of this zone
Suggested hold
3–30
bars (≈ days)
Fundamentals at a glance

Company fundamentals for context — display-only, they don't move the grade.

Revenue growth
+2.0%
year over year
Free-cash-flow margin
4.0%
cash kept per $ of sales
Debt / equity
0.74
lower = less leveraged
P/E ratio
32.1
price ÷ yearly profit

Valuation & accounting

Valuation desk →

Our cash-flow model pegs fair value near $235.20 (fair range $232–$1479); today's price sits 81% above that estimate. The model's verdict is “Overvalued” and accounting quality screens as Weak. Model estimates only — do your own due diligence.

Intrinsic (DCF)
$235.20
Fair-value range
$232.21 – $1478.51
Margin of safety
-81%
Verdict
Overvalued
Accounting quality Weak
  • ✓ Positive retained earnings
  • ⚠ Debt exceeds cash
  • ⚠ Quick ratio 0.47 (fragile)
  • ⚠ Debt/equity 2.21 (fragile)

Price implies ~11% growth (vs trailing rev yoy). Model estimate — do your own due diligence.

Key statistics

All statistics →

UNH is a $387.0 billion company, priced at 32× last year's earnings, and it moves more calmly than the market (beta 0.6).

Mkt cap $387.0B
P/E ttm 32.1
Fwd P/E 19.2
Beta 0.63
Day range $425.10 – $437.47
52w range $255.97 – $461.62
Avg vol 7.3M
RSI(2) 69.7
ROE 14.2%
Net mgn 3.1%
FCF mgn 5.1%
Debt/Eq 0.69
Div yld 2.18%
Sector Healthcare
Industry Healthcare Plans
Next earn 2026-07-16
52-week range · today's price
$255.97$461.62

More on UNH

Options idea

See more →
CALL $430 2026-08-21
$14.38
PUT $420 2026-08-21
$11.60

Earnings

See more →
Last reported
2026-07-16
EPS (act / est)
6.38 / 4.92
Surprise
+29.8%
Next report
2026-10-27

About

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 system…