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TickerTalks›$UNH
UNUNH

UnitedHealth Group Incorporated

Buzzing onWhy it's trendingX chatter spiked vs its recent normBacked by solid revenue growthPrice and volume picking up
$UNH·$338B·Medical - Healthcare Plans·Healthcare
$401.43-1.3%YTD+14.2%1Y+12.5%
Price updated 7h ago·X counts updated 5d ago
UNUNH
$UNHUnitedHealth Group Incorporated
$401.43-1.29%972 posts2.1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $UNH on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

972X posts · last 7 days
Sep 29Oct 11
Chatter Meter
2.1×
QuietNormal · 1×Loud

How loud $UNH's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's running louder than usual, louder than 97% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-15

UnitedHealth's bullish-engulfing session with heavy dark-pool activity draws long-adds and 175% weekly-call wins, with posters flagging a 200DMA test as inevitable. Long-term bulls project an ATH revisit within two years.

Read what X is saying about $UNH

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $UNH — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-10-03

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

The largest US health insurer coiling into the Oct 13 print — recent EPS beats have been huge and the dark-pool positioning is loaded.

UnitedHealth is the largest US health insurer plus Optum — the vertical healthcare giant that touches ~160M American lives through insurance, PBM, and healthcare-services businesses. The stock has had a reset year on cost-trend fears, now coiling into Oct 13 earnings.

  • The beats have been enormous recently: last four EPS surprises at +29%, +12%, +0.5%, +4% — the cost-trend scare that drove the 2024-25 re-rating is being resolved on the P&L one quarter at a time.
  • Growth is still mid-single-digit: Q1 2026 revenue of $111.7B at +2% YoY, with 2026 consensus at $446B and 2028 at $485B — this is a quality compounder trading at 30x trailing, which is high only until the Oct 13 print.
  • The dark-pool and the gamma pin are the tell: X cites heavy dark-pool activity on the bullish-engulfing session plus 175% weekly-call wins — institutions are positioning into this print, which usually means the setup is pre-wired.

An Oct 13 beat with medical-cost ratio contained and Medicare Advantage 2027 enrollment commentary stable re-rates it toward recent highs; a cost-trend disappointment and the entire managed-care group re-rates lower.

Agrees with X sentimentX cites the bullish-engulfing session, dark-pool activity, and the 200DMA test as inevitable — directionally aligned with the recent beat cadence. The crowd under-weights the ongoing DOJ scrutiny of Optum and the 2027 Medicare Advantage reimbursement cycle, both of which can resurface anytime.

What to watch: Oct 13 Q3 earnings — medical-cost ratio holding, Medicare Advantage 2027 enrollment commentary, and 2026 guide refresh. A clean MCR print re-rates toward the 2024 highs; a cost-trend upside surprise and the entire managed-care group resets.

On the calendar: 2026-10-13 — Q3 2026 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

Medicaid redeterminations (post-COVID eligibility reviews) have reduced Medicaid enrollment ~15M from peak, improving commercial insurance mix at managed care organizations; Medicare Advantage star ratings and benchmark rate adjustments are the primary 2026 earnings variable. MLR creep from utilization recovery and GLP-1 pharmacy costs are the key margin headwinds.

What this means for $UNH

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

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+19.1%YTD
+16.8%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
Q3 2026Oct 13, 2026$4.69$4.14+13.3%
Q2 2026Jul 16, 2026$6.38$4.91+29.9%
Q1 2026Apr 21, 2026$7.23$6.58+9.9%
Q4 2025Jan 27, 2026$2.11$2.10+0.5%
Next earningsTue, Jan 26·consensus EPS $2.27

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$440.6B – $449.6B$19.76$19.45 – $19.9416
FY27$458.6B$451.3B – $468.7B$22.45$21.11 – $23.9019
FY28$485.4B$465.8B – $508.9B$26.22$23.36 – $29.0619
FY29$506.2B$493.1B – $519.5B$30.58$29.55 – $31.629
FY30$543.0B$529.0B – $557.2B$34.28$33.14 – $35.4615

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.1.4×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.71%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.+3.6%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.+11.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 895.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.9% 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.β0.615-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
+ 51 other (46 awards · 5 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-KPress release / Reg FDSep 88-K — Item 7.01: Press release / Reg FD
AI summary

UnitedHealth Group senior leaders are scheduled to present at the Wells Fargo 21st Annual Healthcare Conference on September 9, 2026 at 8:00 AM ET, covering strategy, market positions, recent results, and end-market expectations. A live audio webcast is available via UnitedHealth's investor relations website. This is a routine Reg FD investor conference disclosure for the managed care and healthcare services giant.

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.

+ 10 other (3 proxys · 2 10-Qs · 2 13Gs · 2 earnings 8-Ks) in window

Recent news

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

From Verizon to UnitedHealth, Corporate America Is Balking at ‘Tokenized' Stockswsj.com·14h agoUnitedHealth's Q3 Margins Improve, But Membership Falls: Time to Buy?zacks.com·14h agoAssenagon Asset Management S.A. Sells 452,536 Shares of UnitedHealth Group Incorporated $UNHdefenseworld.net·22h agoTD Cowen Reaffirms “Hold” Rating for UnitedHealth Group (NYSE:UNH)defenseworld.net·1d agoUnitedHealth Fell 51.32%, Then Rose 40.64%. DIA's Exposure Followed Both Moves by Design247wallst.com·1d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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