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UnitedHealth Group Inc Stock Research

UNH

472.59USD+2.53(+0.54%)Market Closed

Market Summary

USD472.59+2.53
Market Closed
0.54%

UNH Stock Price

UNH RSI Chart

UNH Valuation

Market Cap

441.4B

Price/Earnings (Trailing)

21.94

Price/Sales (Trailing)

1.36

EV/EBITDA

13.13

Price/Free Cashflow

18.86

UNH Price/Sales (Trailing)

UNH Profitability

EBT Margin

8.13%

Return on Equity

24.7%

Return on Assets

8.19%

Free Cashflow Yield

5.3%

UNH Fundamentals

UNH Revenue

Revenue (TTM)

324.2B

Revenue Y/Y

12.26%

Revenue Q/Q

2.34%

UNH Earnings

Earnings (TTM)

20.1B

Earnings Y/Y

16.95%

Earnings Q/Q

-9.52%

Price Action

52 Week Range

445.33554.41
(Low)(High)

Last 7 days

-0.7%

Last 30 days

-0.2%

Last 90 days

-10.5%

Trailing 12 Months

-6.1%

UNH Financial Health

Current Ratio

0.77

UNH Investor Care

Dividend Yield

1.35%

Dividend/Share (TTM)

6.4

Buy Backs (1Y)

0.74%

Diluted EPS (TTM)

21.18

Peers (Alternatives to UnitedHealth Group)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
441.4B
324.2B
-0.20% -6.09%
21.94
1.36
12.71% 16.40%
91.1B
180.5B
-11.13% 8.36%
13.64
1.92
3.70% 24.58%
61.5B
92.9B
-2.15% 11.75%
21.9
0.66
11.81% -4.33%
34.8B
144.5B
-7.74% -24.92%
28.96
0.24
14.74% -10.76%
MID-CAP
5.2B
2.3B
3.17% 35.63%
86.23
2.28
2.85% -58.05%
5.0B
831.2M
-10.22% -12.94%
-84.58
5.98
12.11% -862.52%
3.5B
5.2B
-7.83% -20.48%
7.82
0.66
31.60% 35.63%
3.3B
704.5M
3.42% 12.97%
48.19
4.64
13.56% 10.15%
2.6B
6.4B
-0.93% -15.13%
13.37
0.41
-0.52% 17.01%
SMALL-CAP
1.7B
951.1M
-0.43% 14.44%
37.41
1.81
10.02% 1.99%
1.6B
-
0.59% 17.88%
18.77
3.24
- -
1.3B
1.4B
7.33% 11.89%
125.85
0.94
8.74% -56.93%
552.4M
2.8B
-7.81% -58.16%
-2.32
0.2
2.43% -140.13%

Financials for UnitedHealth Group

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue2.9%324,162315,118306,561297,550287,597
  S&GA Expenses3.8%47,78246,04545,10743,75742,579
Costs and Expenses2.7%295,727288,033281,226273,369263,627
EBITDA5.2%31,83530,27428,49227,314-
EBITDA Margin2.2%0.10*0.10*0.12*0.09*-
Earnings Before Taxes4.4%26,34325,23823,58222,48522,310
EBT Margin1.5%0.08*0.08*0.10*0.08*-
Interest Expenses13.3%2,0921,8471,7531,6961,660
Net Income3.6%20,12019,43018,25417,45017,285
Net Income Margin0.7%0.06*0.06*0.07*0.06*-
Free Cahsflow-25.3%23,40431,32620,45219,216-
Balance Sheet
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets1.1%245,705243,064230,172221,238212,206
  Current Assets-16.7%69,06982,93768,35669,02961,758
    Cash Equivalents-39.9%23,36538,84524,61225,48221,375
  Net PPE7.0%10,1289,4699,4219,1838,969
  Goodwill11.3%93,35283,90484,15977,54875,795
Liabilities-0.5%159,358160,143149,045143,591135,727
  Current Liabilities-11.6%89,237100,93588,69888,17078,292
    LT Debt, Current-3,620----
    LT Debt, Non Current20.0%54,51345,43845,79940,79642,383
Shareholder's Equity4.3%81,45078,06476,20576,12875,045
  Retained Earnings2.9%86,15683,72280,54078,78277,134
  Additional Paid-In Capital------
Accumulated Depreciation15.7%6,9305,992---
Shares Outstanding-0.1%934935935939941
Minority Interest7.6%3,6783,4183,3853,3623,285
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations-22.8%26,20633,95722,98821,65722,343
  Share Based Compensation4.6%925884878843800
Cashflow From Investing-129.8%-28,476-12,391-13,423-10,338-10,372
Cashflow From Financing211.4%4,226-3,793-4,774-5,938-7,455
  Dividend Payments13.5%5,9915,280---
  Buy Backs-0.7%7,0007,0507,1005,8505,000

Risks for UNH

What is the probability of a big loss on UNH?

31.9%


Probability that UnitedHealth Group stock will be more than 20% underwater in next one year

18.5%


Probability that UnitedHealth Group stock will be more than 30% underwater in next one year.

0%


Probability that UnitedHealth Group stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does UNH drawdown profile look like?

Y-axis is the maximum loss one would have experienced if UnitedHealth Group was unfortunately bought at previous high price.

Drawdowns

Returns for UNH

Cumulative Returns on UNH

24.5%


10-Year Cumulative Returns

22.1%


7-Year Cumulative Returns

18.9%


5-Year Cumulative Returns

25.5%


3-Year Cumulative Returns

What are the long-term rolling returns for UNH?

FIve years rolling returns for UnitedHealth Group.

Annualized Returns

Which funds bought or sold UNH recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-30
REFRAME WEALTH, LLC
new
-
217,374
217,374
0.08%
2023-03-30
LUTS & GREENLEIGH GROUP, INC
new
-
584,777
584,777
0.74%
2023-03-28
Acrisure Capital Management, LLC
new
-
350,449
350,449
0.39%
2023-03-28
Werba Rubin Papier Wealth Management
new
-
205,485
205,485
0.09%
2023-03-28
Prostatis Group LLC
unchanged
-
13,575
286,297
0.17%
2023-03-24
Longbow Finance SA
new
-
23,176,800
23,176,800
3.12%
2023-03-23
MetLife Investment Management, LLC
reduced
-2.00
4,115,630
147,366,000
1.18%
2023-03-22
Pictet North America Advisors SA
reduced
-4.56
65,648
35,339,100
6.08%
2023-03-22
Campion Asset Management
unchanged
-
47,437
991,437
0.97%
2023-03-17
American Portfolios Advisors
added
18.78
2,222,960
15,459,000
0.66%

1–10 of 48

Latest Funds Activity

Are funds buying UNH calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own UNH
No. of Funds

UnitedHealth Group News

Best Stocks

Institutional Investors Show Interest in UnitedHealth Group ....

Best Stocks,
7 hours ago

Investor's Business Daily

Proactive Investors UK

Seeking Alpha

Zacks Investment Research

Nasdaq

Dow Movers: UNH, DIS.

Nasdaq,
37 hours ago

Schedule 13G FIlings of UnitedHealth Group

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 09, 2023
vanguard group inc
9.00%
84,052,380
SC 13G/A
Feb 09, 2023
fmr llc
-
0
SC 13G/A
Feb 03, 2023
blackrock inc.
8.0%
74,418,906
SC 13G/A
Feb 10, 2022
vanguard group inc
8.44%
79,483,862
SC 13G/A
Feb 09, 2022
fmr llc
-
0
SC 13G/A
Feb 01, 2022
blackrock inc.
7.4%
69,275,884
SC 13G/A
Feb 16, 2021
capital world investors
3.7%
35,185,176
SC 13G/A
Feb 10, 2021
vanguard group inc
8.34%
79,092,547
SC 13G/A
Feb 08, 2021
fmr llc
-
0
SC 13G/A
Feb 01, 2021
blackrock inc.
7.5%
71,592,885
SC 13G/A

UNH Fair Value

UnitedHealth Group fair value in different scenarios

The table shows the Fair Value estimates for UnitedHealth Group for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
Fair ValueVery PessimisticPessimisticBase CaseOptimisticVery Optimistic
Very Low Inflation

345.86

-26.82%

428.66

-9.30%

581.58

23.06%

751.27

58.97%

886.42

87.57%
Current Inflation

316.31

-33.07%

386.18

-18.28%

513.45

8.65%

654.15

38.42%

765.82

62.05%
Very High Inflation

280.11

-40.73%

335.19

-29.07%

433.69

-8.23%

542.29

14.75%

628.11

32.91%

Historical UnitedHealth Group Fair Value Estimates


Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price

Recent SEC filings of UnitedHealth Group

View All Filings
Date Filed Form Type Document
Mar 28, 2023
8-K
Current Report
Mar 24, 2023
424B5
Prospectus Filed
Mar 24, 2023
FWP
Prospectus Filed
Mar 23, 2023
4
Insider Trading
Mar 23, 2023
424B5
Prospectus Filed
Mar 23, 2023
4
Insider Trading
Mar 23, 2023
4
Insider Trading
Mar 23, 2023
4
Insider Trading
Mar 23, 2023
4
Insider Trading
Mar 23, 2023
4
Insider Trading

Latest Insider Trading transactions for UNH

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-03-21
Gil Kristen
acquired
-
-
1.00
-
2023-03-21
MCNABB FREDERICK WILLIAM III
acquired
-
-
19.00
-
2023-03-21
McSweeney Erin
acquired
-
-
24.144
evp chief people officer
2023-03-21
McMahon Dirk C
acquired
-
-
62.496
pres. & coo, uhg & ceo, uhc
2023-03-21
ROOS THOMAS E
acquired
-
-
18.073
chief accounting officer
2023-03-21
GARCIA PAUL R
acquired
-
-
2.00
-
2023-03-21
Noseworthy John H
acquired
-
-
14.00
-
2023-03-21
FLYNN TIMOTHY PATRICK
acquired
-
-
25.00
-
2023-03-21
Bondy Rupert M
acquired
-
-
15.833
evp & chief legal officer
2023-03-21
WITTY ANDREW
acquired
-
-
82.823
ceo, uhg

1–10 of 50

Sir Andrew Philip Witty
65535
UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals directly through care delivery systems, employers, payers, and government entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.

UNH Income Statement

2022-12-31
Consolidated Statements of Operations - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Revenues:   
Premiums$ 257,157$ 226,233$ 201,478
Investment and other income2,0302,3241,502
Total revenues324,162287,597257,141
Operating costs:   
Medical costs210,842186,911159,396
Operating costs47,78242,57941,704
Cost of products sold33,70331,03430,745
Depreciation and amortization3,4003,1032,891
Total operating costs295,727263,627234,736
Earnings from operations28,43523,97022,405
Interest expense(2,092)(1,660)(1,663)
Earnings before income taxes26,34322,31020,742
Provision for income taxes(5,704)(4,578)(4,973)
Net earnings20,63917,73215,769
Earnings attributable to noncontrolling interests(519)(447)(366)
Net earnings attributable to UnitedHealth Group common shareholders$ 20,120$ 17,285$ 15,403
Earnings per share attributable to UnitedHealth Group common shareholders:   
Basic$ 21.47$ 18.33$ 16.23
Diluted$ 21.18$ 18.08$ 16.03
Basic weighted-average number of common shares outstanding937943949
Dilutive effect of common share equivalents131312
Diluted weighted-average number of common shares outstanding950956961
Anti-dilutive shares excluded from the calculation of dilutive effect of common share equivalents318
Products   
Revenue from Products and Services$ 37,424$ 34,437$ 34,145
Services   
Revenue from Products and Services$ 27,551$ 24,603$ 20,016

UNH Balance Sheet

2022-12-31
Consolidated Balance Sheets - USD ($)
shares in Millions, $ in Millions
Dec. 31, 2022
Dec. 31, 2021
Current assets:  
Cash and cash equivalents$ 23,365$ 21,375
Short-term investments4,5462,532
Accounts receivable, net of allowances of $877 and $95417,68114,216
Other current receivables, net of allowances of $1,433 and $99312,76913,866
Assets under management4,0874,449
Prepaid expenses and other current assets6,6215,320
Total current assets69,06961,758
Long-term investments43,72843,114
Property, equipment and capitalized software, net of accumulated depreciation and amortization of $6,930 and $5,99210,1288,969
Goodwill93,35275,795
Other intangible assets, net of accumulated amortization of $6,137 and $5,63614,40110,044
Other assets15,02712,526
Total assets245,705212,206
Current liabilities:  
Medical costs payable29,05624,483
Accounts payable and accrued liabilities27,71524,643
Short-term borrowings and current maturities of long-term debt3,1103,620
Unearned revenues3,0752,571
Other current liabilities26,28122,975
Total current liabilities89,23778,292
Long-term debt, less current maturities54,51342,383
Deferred income taxes2,7693,265
Other liabilities12,83911,787
Total liabilities159,358135,727
Commitments and contingencies (Note 12)
Redeemable noncontrolling interests4,8971,434
Equity:  
Preferred stock, $0.001 par value - 10 shares authorized; no shares issued or outstanding00
Common stock, $0.01 par value - 3,000 shares authorized; 934 and 941 issued and outstanding910
Retained earnings86,15677,134
Accumulated other comprehensive loss(8,393)(5,384)
Nonredeemable noncontrolling interests3,6783,285
Total equity81,45075,045
Total liabilities, redeemable noncontrolling interests and equity$ 245,705$ 212,206
Preferred stock, par value$ 0.001$ 0.001
Preferred stock, shares authorized1010
Preferred stock, shares issued00
Preferred stock, shares outstanding00
Common stock, par value$ 0.01$ 0.01
Common stock, shares authorized3,0003,000
Common stock, shares issued934941
Common Stock, Shares, Outstanding934941