UNITEDHEALTH GROUP INC (UNH) Factsheet
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UNITEDHEALTH GROUP INC (UNH) Stock Analysis
Analysis from 10-Q filed 2026-08-10. Data as of Q2 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 5.2%. D/E 0.7x. Source: 10-Q filed 2026-08-10.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 5.2% | Healthy cash flow |
| Debt/Equity | 0.7x | Moderate leverage |
FCF margin 5.2% — Bottom 10%.
Explore UNITEDHEALTH GROUP INC: Earnings History | Filings
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 -19.5%. Source: 10-Q filed 2026-08-10.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of -19.5% |
| Return on Equity (ROE) | 14.0% | Adequate | Moderate equity returns |
Cash Flow: UNITEDHEALTH GROUP INC generates $23.6B FCF at 5.2% margin, positive NaN/8 quarters
FCF TTM $23.6B. FCF margin 5.2%, Bottom 10%. OCF/Net income 1.9x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-08-10.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 5.2% | Adequate | Healthy cash generation |
| Free Cash Flow (TTM) | $23.6B | 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, 5.6x interest coverage
Debt/Equity 0.7x. Total debt $73.3B, cash & investments $31.5B. Interest coverage 5.6x. Source: 10-Q filed 2026-08-10.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.7x | Adequate | Moderate leverage |
| Net Cash Position | $-41.9B | Warning | Net debt position |
| Interest Coverage | 5.6x | Good | Comfortable debt service |
Valuation: UNITEDHEALTH GROUP INC trades at 24.2x earnings
P/E 24.2x. EV/Sales 0.9x. FCF yield 6.9%. Dividend yield 2.4%. Source: 10-Q filed 2026-08-10.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| P/E Ratio | 24.2x | Adequate | Premium valuation |
| EV/Sales | 0.9x | Excellent | Attractive revenue multiple |
| FCF Yield | 6.9% | Good | Attractive cash return |
| Dividend Yield | 2.4% | Adequate | Growth focus over income |
Capital Allocation: UNITEDHEALTH GROUP INC returns 2.8% shareholder yield
Total shareholder yield 2.8% (div 2.4% + buyback 0.5%). Share count +0.0% YoY. Capital returned $9.7B TTM. Source: 10-Q filed 2026-08-10.
| Metric | UNH | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 2.8% | Adequate | Dividend + buyback yield combined |
| Buyback Yield | 0.5% | Adequate | Minimal buyback activity |
| Share Count Change (YoY) | 0.0% | Adequate | Net dilution from issuance/SBC |
| Total Capital Returned (TTM) | $9.7B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 5.2% | Bottom 10% | 0.2x below |
| Return on Equity (ROE) | 14.0% | Top 50% | 1.3x above |
| P/E Ratio | 24.2x | N/A | - |
Financial Scorecard
| Metric | UNH | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 5.2% | Adequate | Bottom 10% of sector (median: 27.4%) |
| Debt to Equity Ratio | 70.2% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 24.2x | Adequate | Fair value |
| Free Cash Flow Yield | 6.9% | Good | Solid cash yield |
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 -19.5%. Source: 10-Q filed 2026-08-10.
Q: What is UNITEDHEALTH GROUP INC's Free Cash Flow Margin?
UNITEDHEALTH GROUP INC (UNH) has a free cash flow margin of 5.2%, generating $23.6 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2026-08-10.
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 24.2x, which is above the sector median of N/A. EV/Sales 0.9x. FCF yield 6.9%. Source: 10-Q filed 2026-08-10.
Q: Does UNITEDHEALTH GROUP INC pay a dividend?
UNITEDHEALTH GROUP INC (UNH) currently pays a dividend yield of 2.4%. Total shareholder yield (dividend + buybacks) 2.8%. Source: 10-Q filed 2026-08-10.
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 $73.3 billion. Interest coverage 5.6x. Net debt $41.9 billion. Source: 10-Q filed 2026-08-10.
Q: What is UNITEDHEALTH GROUP INC's revenue and earnings growth?
UNITEDHEALTH GROUP INC (UNH) grew revenue by 6.5% year-over-year. EPS -32.7% YoY. Source: 10-Q filed 2026-08-10.
Q: Is UNITEDHEALTH GROUP INC buying back stock?
UNITEDHEALTH GROUP INC (UNH) repurchased $1.6 billion of stock over the trailing twelve months. This represents a buyback yield of 0.5%. Share count +0.0% YoY. Source: 10-Q filed 2026-08-10.
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 -19.5% (N/Ax). FCF margin 5.2%, sector median 27.4% (Bottom 10%). 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?
No quantitative warning flags fired for UNITEDHEALTH GROUP INC (UNH) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2026-08-10.
Data Source: Data sourced from 10-Q filed 2026-08-10. TTM metrics as of Q2 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.