UnitedHealth Group Incorporated
$433.09+2.3%YTD+27.9%1Y+44.8%
Mentions · last 7 days
6,587+11%
Price updated 14m ago·X counts updated 19h ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $UNH, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
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
No material change from last week — Oscar Health's AI-driven clinical platform is gaining member growth while the UNH Medicaid fraud litigation adds regulatory risk to legacy insurers.
What this means for $UNH
Partial — health insurer and diversified health services company through Optum covering pharmacy, analytics, and primary care; the AI-driven clinical platform growth vs. government payer headwind is a secondary rather than primary near-term earnings catalyst.
Top industry ETF
$IHFiShares U.S. Healthcare Providers ETF
+17.4%YTD
+26.7%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$4.87+31.0%
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 $3.73
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
FYRevenueRangeEPSRangeAnalysts
FY26$443.6B$438.9B – $450.5B$18.42$18.35 – $18.8018
FY27$457.3B$444.8B – $472.4B$20.99$19.68 – $21.9519
FY28$484.4B$484.1B – $484.7B$25.01$22.80 – $28.3416
FY29$514.2B$503.4B – $527.5B$30.55$29.71 – $31.5815
FY30$549.2B$537.7B – $563.5B$34.38$33.45 – $35.5515
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.2.0×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.83%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.+5.4%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.+24.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatHigh float · 905.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.5% 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.
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
8-KPress release / Reg FDMay 118-K — Item 7.01: Press release / Reg FD
AI summary
8-KPress release / Reg FDMar 98-K — Item 7.01: Press release / Reg FD
8-KOfficer or director changeMar 28-K — Item 5.02: Officer or director change
8-KOfficer or director changeFeb 258-K — Item 5.02: Officer or director change
+ 11 other (3 earnings 8-Ks · 3 proxys · 2 13Gs · 1 11-K) in window
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
UnitedHealth's AI Bet Paid Off. Now It Is Selling the PlaybookUnitedHealth Group Q2: The Real Test Begins Now (Downgrade)UnitedHealth Stock Hits 2026 High on Strong Earnings, Rosy OutlookUNH Rallies on Earnings, Question Marks in Health Insurers RemainUnitedHealth Hits 15‑Month High: Congressional Trades That Suddenly Look Brilliant
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