UNH- UnitedHealth Group Incorporated
Healthcare · Healthcare Plans
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 26 analysts
12-Month Price Target
$475.23
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $379.09
Graham Number
√(22.5 × EPS × Book Value)
$195.03
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$120.67
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
80% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
14.2%Return on equity - measures how efficiently capital is used
Positive profit margin
3.1%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+0.4%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+61.5%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
69.21×Low financial leverage reduces risk of distress
Current ratio above 1
0.78×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$2.0B/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.45%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 27, 2026
45
days
EPS (TTM)
$15.54
P/E (TTM)
24.4
Fwd P/E
16.9
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
2.45%
5Y Avg Annual
$7.0260
Last Payment
$2.3200
Ex-Date
06/15/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/15/2026 | 06/23/2026 | $2.3200 | 2.45% |
03/09/2026 | 03/17/2026 | $2.2100 | 2.33% |
12/08/2025 | 12/16/2025 | $2.2100 | 2.33% |
09/15/2025 | 09/23/2025 | $2.2100 | 2.33% |
06/16/2025 | 06/24/2025 | $2.2100 | 2.33% |
03/10/2025 | 03/18/2025 | $2.1000 | 2.22% |
12/09/2024 | 12/17/2024 | $2.1000 | 2.22% |
09/16/2024 | 09/24/2024 | $2.1000 | 2.22% |
Magic Number
Shares needed to self-fund your next purchase
$379.09
Price
$2.3200
Last div. (quarterly)
164
shares
Own 164 UNH shares ($62,170.76) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$62,170.76
New shares / year
+4 shares
Dividend Calculator
2.45% yieldEstimate UNH dividend income at the current rate.
Per year
$244.8
Per month
$20.4
≈ 26.4 shares at $9.28/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
UNH vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About UnitedHealth Group Incorporated
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. It operates through four segments: Optum Health, Optum Insight, Optum Rx; and UnitedHealthcare. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services with patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, public entities, life sciences companies and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community health care programs. and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
Sector
Healthcare
Industry
Healthcare Plans
Location
Eden Prairie, United States
Employees
390,000
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UnitedHealth Group Incorporated (UNH) stock trades at $379.09, down 2.37% on the day. With a market capitalization of $340.27 billion, UNH is a mega-cap healthcare stock. It trades at a price-to-earnings (P/E) ratio of 24.4, a forward P/E of 16.9 and earnings per share (EPS) of $15.54. Over the most recent period the company reported 0% year-over-year revenue growth and a net profit margin of 3.1%. Below you'll find UNH's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
UNH - Frequently Asked Questions
Is UnitedHealth Group Incorporated (UNH) a good stock to buy in 2026?
UnitedHealth Group Incorporated (UNH) shows risks such as high leverage (debt/equity of 69.2). Whether UNH is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is UNH's stock price today?
UnitedHealth Group Incorporated (UNH) trades at $379.09, down 2.37% on the session. Prices on this page update throughout the trading day.
Does UNH pay a dividend?
Yes. UnitedHealth Group Incorporated pays an annual dividend of $9.28 per share, a dividend yield of 2.45%. The most recent ex-dividend date was September 14, 2026. Its payout ratio is about 58% of earnings.
Is UNH overvalued?
With a P/E ratio of 24.4×, UNH trades at a roughly market-average valuation for the healthcare sector. Its PEG ratio is 1.07. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is UNH's market cap?
UnitedHealth Group Incorporated (UNH) has a market capitalization of $340.27 billion, classifying it as a mega-cap stock in the Healthcare sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.