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UNUNH

UnitedHealth Group Incorporated

$UNH·$376B·Medical - Healthcare Plans·Healthcare
$389.44-0.9%YTD+23.2%1Y+30.0%
Mentions · last 7 days
2026-08-21: 55 posts2026-08-22: 24 posts2026-08-23: 39 posts437-4%
Price updated 7m ago·X counts updated 8d ago
UNUNH
$UNHUnitedHealth Group Incorporated
$389.44-0.89%437 posts-4%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $UNH, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersCooling offAI verdict · as of 2026-08-30

Catching its breath after a run — could pick back up or fade from here.

The largest US health insurer has bounced 30% off the CMS-panic lows, and Tepper walked out the door right into the recovery.

UnitedHealth is the largest US health-insurance and healthcare-services holding company — the OptumRx pharmacy business, the OptumHealth clinics, and the flagship UnitedHealthcare insurer. It has recovered 30% off the CMS-proposal lows, and the crowd is now debating how much of the pain is behind it.

Where the setup sits:

  • Operating story is stabilizing: Q1 revenue grew a modest 2% year-on-year to $111.7B (margin recovering to 8% from near-zero the prior quarter), and medical-cost inflation plus the Medicare Advantage repricing are being absorbed — not resolved, but not accelerating down either.
  • Valuation is reasonable for a de-risked mega-cap: 30x trailing earnings on a depressed base, 0.8x sales, 18x EV/EBITDA and 5.4% FCF yield — optically elevated because trailing earnings are catching up; forward is closer to 15-16x.
  • Position is telling: at 67% of the 52-week range and 12% above the 200-day but 5% below the 50-day, a stock digesting a recovery — the tape treats the CMS panic as resolved.
  • Tepper exit is a real signal: Appaloosa sold every share in Q2 — a serious value-hunter walking away; the crowd's counter (Trump-portfolio buys, 100-DMA test) is less institutional in nature.

The October 27 print is what defends the recovery — clean medical-loss-ratio commentary and a stable Medicare Advantage guide keeps the multiple where it is; another quarter of MLR expansion or a fresh CMS surprise triggers a re-test of the 50-day and potentially the summer lows.

What to watch: October 27 earnings — the specific numbers are medical loss ratio trend (needs to stabilize below 87%) and Medicare Advantage guidance; a clean MLR + stable MA guide holds the multiple, another MLR jump re-tests the summer lows.

On the calendar: 2026-10-27 — Q3 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment22 posts analyzed · as of 2026-08-30

UnitedHealth's thread leans bullish on a clean support test. Posters flag a near-perfect 10% correction to the $390 area and the rising 100-DMA, an inside-bar close with $403 as the trigger, a daily RSI moving-average cross, and $239M in fresh VA contracts. Bulls point at Buffett's earlier buy and estimate fair value at $475-$600 with a 12-month path back to 52-week highs. Skepticism is limited to an Optum CEO's largest-ever open-market sale and one holder considering rotation into META and RDDT.

Read the AI verdict + X sentiment for $UNH

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Largest U.S. health insurer and diversified health services company through Optum covering pharmacy, analytics, and primary care.

Industry overviewAI analysisGenerated by AI from underlying data

Where Medical - Healthcare Plans sits in its cycle right now — and what that implies for $UNH.

Medical - Healthcare Plans · Healthcare

Medical loss ratio trends are the central earnings variable; Medicaid redeterminations and ACA enrollment shifts are rebalancing member mix. Prior authorization practices face regulatory pressure that could weigh on cost control levers.

What this means for $UNH

Partial — branded pharmaceutical revenue is exposed to patent cliff dynamics and GLP-1 category cannibalization; UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare ent.

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+17.6%YTD
+21.9%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
30.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
8.1%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
4.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.4%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.8Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
12.4%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
18.8%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 16, 2026$6.38$4.94+29.1%
Q1 2026Apr 21, 2026$7.23$6.46+11.9%
Q4 2025Jan 27, 2026$2.11$2.10+0.5%
Q3 2025Oct 28, 2025$2.92$2.80+4.3%
Next earningsTue, Oct 27·consensus EPS $4.09

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$111.7B+2.0%22.7%8.0%$6.90$8.1B
Q4 FY25$113.2B+12.3%16.3%0.3%$0.01$160.0M
Q3 FY25$113.2B+12.2%18.2%3.8%$2.59$5.1B
Q2 FY25$111.6B+12.9%17.9%4.6%$3.76$6.3B

Forward consensus

5-year forecast · up to 19 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$445.7B$439.2B – $450.6B$19.72$18.71 – $20.5018
FY27$459.2B$445.3B – $471.2B$22.42$20.07 – $24.7019
FY28$485.4B$465.8B – $508.9B$26.22$23.36 – $29.0619
FY29$506.2B$491.9B – $520.0B$30.58$29.46 – $31.6610
FY30$543.0B$527.7B – $557.8B$34.28$33.03 – $35.5016

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.67%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-4.8%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+12.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 906.1M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.3% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.635-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 21Conway Patrick HughCEO1.2K sh$456KSellAug 5Conway Patrick HughCEO500 sh$205KSellApr 23Conway Patrick HughCEO800 sh$284K
+ 52 other (48 awards · 4 inkinds) in window

See when $UNH insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KShareholder voteJun 58-K — Item 5.07: Shareholder vote
AI summary

UNH (UNH) disclosed the results of its annual meeting of shareholders in an 8-K filing under Item 5.07. Shareholders voted on an advisory say-on-pay resolution, ratification of the independent auditor, shareholder proposals. All management-sponsored proposals were approved by majority shareholder vote. Annual meeting results are a routine disclosure that confirms shareholder ratification of the board's composition and compensation practices.

8-KPress release / Reg FDMay 118-K — Item 7.01: Press release / Reg FD
AI summary

UNH filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-11. Relates to: Bank of America Securities Health Care Conference 2026 on Tuesday, May 12, 2026, beginning at 11:00. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

3New insider — initial holdingsMar 123
8-KPress release / Reg FDMar 98-K — Item 7.01: Press release / Reg FD
+ 11 other (3 13Gs · 3 proxys · 2 10-Qs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

BNP Paribas Decreases Stake in UnitedHealth Group Incorporated $UNHdefenseworld.net·3d agoWant to Be a Successful Investor? Avoid This 1 Mistake.fool.com·3d agoAusdal Financial Partners Inc. Sells 3,115 Shares of UnitedHealth Group Incorporated $UNHdefenseworld.net·4d agoBillionaire David Tepper Sold Every Single Share of UnitedHealth in Q2. Here's Whether He Made a Costly Mistake.fool.com·6d agoAsset One Wealth Management LLC Buys New Shares in UnitedHealth Group Incorporated $UNHdefenseworld.net·6d ago

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