UNITEDHEALTH GROUP INC (UNH) Factsheet
UNITEDHEALTH GROUP INC (UNH) Stock Analysis
Analysis from 10-Q filed 2025-10-28. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 4.4%. D/E 0.7x. Source: 10-Q filed 2025-10-28.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 4.4% | Cash flow pressure |
| Debt/Equity | 0.7x | Moderate leverage |
FCF margin 4.4% — Bottom 50%.
Explore UNITEDHEALTH GROUP INC: Earnings History | Filings | ROIC Analysis
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for UNH: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: UNITEDHEALTH GROUP INC earns N/A ROIC
ROIC TTM N/A, sector median 20.8%. Source: 10-Q filed 2025-10-28.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 20.8% |
| Return on Equity (ROE) | 12.1% | Adequate | Moderate equity returns |
Cash Flow: UNITEDHEALTH GROUP INC generates $19.7B FCF at 4.4% margin, positive NaN/8 quarters
FCF TTM $19.7B. FCF margin 4.4%, Bottom 50%. OCF/Net income 1.9x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-28.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 4.4% | Warning | Thin cash margins |
| Free Cash Flow (TTM) | $19.7B | Good | Positive cash generation |
| OCF/Net Income | 1.9x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: UNITEDHEALTH GROUP INC at 0.7x leverage
Debt/Equity 0.7x. Total debt $77.9B, cash & investments $31.2B. Source: 10-Q filed 2025-10-28.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.7x | Adequate | Moderate leverage |
| Net Cash Position | $-46.7B | Warning | Net debt position |
Valuation: UNITEDHEALTH GROUP INC trades at 20.4x earnings
P/E 20.4x. EV/Sales 0.7x. FCF yield 8.0%. Dividend yield 3.3%. Source: 10-Q filed 2025-10-28.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| P/E Ratio | 20.4x | Adequate | Premium valuation |
| EV/Sales | 0.7x | Excellent | Attractive revenue multiple |
| FCF Yield | 8.0% | Excellent | Attractive cash return |
| Dividend Yield | 3.3% | Adequate | Meaningful income |
Capital Allocation: UNITEDHEALTH GROUP INC returns 4.3% shareholder yield
Total shareholder yield 4.3% (div 3.3% + buyback 1.0%). Capital returned $10.6B TTM. Source: 10-Q filed 2025-10-28.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 4.3% | Good | Dividend + buyback yield combined |
| Buyback Yield | 1.0% | Adequate | Minimal buyback activity |
| Total Capital Returned (TTM) | $10.6B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 4.4% | Bottom 50% | 0.2x below |
| Return on Equity (ROE) | 12.1% | Top 50% | 1.1x above |
| P/E Ratio | 20.4x | N/A | - |
Financial Scorecard
| Metric | UNH | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 4.4% | Warning | Bottom 50% of sector (median: 20.9%) |
| Debt to Equity Ratio | 75.0% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 20.4x | Adequate | Fair value |
| Free Cash Flow Yield | 8.0% | Excellent | High cash return |
Frequently Asked Questions
Q: What is UNITEDHEALTH GROUP INC's Return on Invested Capital (ROIC)?
UNITEDHEALTH GROUP INC (UNH) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 20.8%. Source: 10-Q filed 2025-10-28.
Q: What is UNITEDHEALTH GROUP INC's Free Cash Flow Margin?
UNITEDHEALTH GROUP INC (UNH) has a free cash flow margin of 4.4%, generating $19.7 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-28.
Q: What is UNITEDHEALTH GROUP INC's P/E ratio and how does it compare to peers?
UNITEDHEALTH GROUP INC (UNH) trades at a P/E ratio of 20.4x, which is above the sector median of N/A. EV/Sales 0.7x. FCF yield 8.0%. Source: 10-Q filed 2025-10-28.
Q: Does UNITEDHEALTH GROUP INC pay a dividend?
UNITEDHEALTH GROUP INC (UNH) currently pays a dividend yield of 3.3%. Total shareholder yield (dividend + buybacks) 4.3%. Source: 10-Q filed 2025-10-28.
Q: How much debt does UNITEDHEALTH GROUP INC have?
UNITEDHEALTH GROUP INC (UNH) has a debt-to-equity ratio of 0.7x with total debt of $77.9 billion. Net debt $46.7 billion. Source: 10-Q filed 2025-10-28.
Q: What is UNITEDHEALTH GROUP INC's revenue and earnings growth?
UNITEDHEALTH GROUP INC (UNH) grew revenue by 9.7% year-over-year. EPS -44.5% YoY. Source: 10-Q filed 2025-10-28.
Q: Is UNITEDHEALTH GROUP INC buying back stock?
UNITEDHEALTH GROUP INC (UNH) repurchased $2.5 billion of stock over the trailing twelve months. This represents a buyback yield of 1.0%. Source: 10-Q filed 2025-10-28.
Q: How does UNITEDHEALTH GROUP INC compare to competitors in Financials?
Compared to other companies in Financials, UNITEDHEALTH GROUP INC (UNH) shows: ROIC N/A, sector median 20.8% (NaNx). FCF margin 4.4%, sector median 20.9% (Bottom 50%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with UNITEDHEALTH GROUP INC?
Quantitative warning flags for UNITEDHEALTH GROUP INC (UNH): 1) FCF margin 4.4% (below 5%). Source: 10-Q filed 2025-10-28.
Data Source: Data sourced from 10-Q filed 2025-10-28. TTM metrics as of Q1 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.