UNH UnitedHealth Group

XNYS Up Alert

Health Care

· How we analyze

About the company

UnitedHealth Group is a US health insurer. Besides insurance through UnitedHealthcare, the group runs doctors’ practices, pharmacy benefit management and software for the healthcare sector through Optum. It operates mainly in the US. As of Oct 13, 2026

Fact sheet (from the annual report) Health insurance and health plans · Eden Prairie, USA

UnitedHealth Group is a healthcare company with the business platforms Optum and UnitedHealthcare. Optum, with its Optum Health, Optum Insight and Optum Rx divisions, serves patients, payers, providers, employers and government agencies. Optum Rx provides pharmacy services, including through mail-order and specialty pharmacies, and sells them directly and through brokers and consultants. Domestically, UnitedHealthcare Employer & Individual offers health plans for large, mid-sized and small employers, government agencies and individuals. UnitedHealthcare Medicare & Retirement serves seniors and other Medicare beneficiaries and sells through direct outreach, agents, employer groups and digital channels. UnitedHealthcare Community & State serves economically disadvantaged people through government programs such as Medicaid.

Automatically summarized from SEC annual report (10-K, filed Mar 2, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 15, 2026

Price performance at a glance

Last 30 trading days
  • Today −0.1%
  • 7 days −2.1%
  • 30 days +9.0%
  • 1 year +12.1%
Day range (last trading day)
−0.5%Price at 40% of the range+0.8%
52-week range
−37.6%Price at 75% of the range+12.5%
Distance from the all-time high
−34.9%

Our own calculation from the exchange’s daily candles, as of Oct 27, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.

Fundamentals · Analysis method

Growth, margin and debt compared with the sector – in detail in the fundamental analysis further down. The chart shows the candles without a buy zone.

Growth: greenMargin: yellowDebt: green

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Symbol on TradingView: NYSE:UNH

Fundamental analysis

UnitedHealth Group · Sector Health Care · amounts in USD

Information only – does not affect our buy zones, not investment advice. Source: SEC filings, As of Mar 2, 2026.

In short

  • Light green: Revenue grew over 5 years (+11.7% per year), at least as fast as the sector median.
  • Light red: Net income (total) shrank over 5 years (−4.8% per year); per share −3.8% per year.
  • Light yellow: Net margin 2.7%, below the sector median (12.9%).
  • Light green: Debt not higher than usual in the sector.
  • Light green: Profit in each of the last 10 fiscal years.
  • Light yellow: High payout ratio (66% of earnings).

Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.

RevenueNet income Net margin (below) in USD
  1. Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Revenue 184.8B USD · Net income 7.0B USD · Net margin 3.8%
  2. Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Revenue 201.2B USD · Net income 10.6B USD · Net margin 5.2%
  3. Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Revenue 226.2B USD · Net income 12.0B USD · Net margin 5.3%
  4. Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 242.2B USD · Net income 13.8B USD · Net margin 5.7%
  5. Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 257.1B USD · Net income 15.4B USD · Net margin 6.0%
  6. Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 287.6B USD · Net income 17.3B USD · Net margin 6.0%
  7. Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 324.2B USD · Net income 20.1B USD · Net margin 6.2%
  8. Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 371.6B USD · Net income 22.4B USD · Net margin 6.0%
  9. Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 400.3B USD · Net income 14.4B USD · Net margin 3.6%
  10. Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 447.6B USD · Net income 12.1B USD · Net margin 2.7%

Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 447.6B USD · Net income 12.1B USD · Net margin 2.7%

Key figures with traffic lights

Each light follows a simple, disclosed rule. The comparison is with the sector median of all 63 symbols in the Health Care sector on our list (current members of the S&P 500 and other lists).

Revenue growth

Light green: above sector

+11.7% per year, last 5 years

Sector Health Care: median +7.8% (60 symbols)

What does this mean? Revenue: over 5 years it grew by 11.7% per year on average – at least as fast as the median company in the sector (+7.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net income (total)

Light red: shrinking

−4.8% per year, last 5 years

Sector Health Care: median +7.5% (46 symbols)

per share: −3.8% per year (5 years, split-adjusted)

What does this mean? Total net income: over 5 years it fell by 4.8% per year on average. The median company in the sector reached +7.5% per year.

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net margin

Light yellow: below sector

2.7% last fiscal year

Sector Health Care: median 12.9% (63 symbols)

What does this mean? Of every 100 USD in revenue, 2.69 USD remained as profit – less than the median company in the sector (12.9%). Five years ago the margin was 6.0%.

Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.

Debt / equity

Light green: lower than sector

0.66 latest balance sheet

Sector Health Care: median 0.66 (40 symbols)

What does this mean? For every 1 USD of equity there is 0.66 USD of financial debt – no more than the median company in the sector (0.66). More debt amplifies good and bad years alike.

Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.

Payout ratio

Light yellow: high

66% Dividend / earnings per share

Sector Health Care: median 28% (31 symbols)

What does this mean? Of every 1 USD of earnings per share, 0.66 USD went to shareholders as a dividend. Little buffer remains for weaker years. Median company in the sector: 28%.

Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.

Profitable years

Light green: profit every year

10 of 10 fiscal years with a profit

What does this mean? In 10 of the last 10 fiscal years the bottom line showed a profit. There were no losses in this period.

Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).

Last fiscal year and 13F

Information, not a trading signal · Source: SEC EDGAR
Revenue (FY)
447.6B USD
Revenue vs. prior year
+11.8%
Net income (FY)
12.1B USD
Net income vs. prior year
−16.3%
EPS (FY)
13.23 USD
13F funds with a position
3 of 9
Funds vs. prior quarter
−1
Shares held vs. prior quarter
+6.3%
Fiscal year to Dec 31, 2025 · 10-K filed Mar 2, 2026 · Balance sheet Jun 30, 2026 (filed Aug 10, 2026) · Price-based figures (P/E, P/S, dividend yield, market cap) only when logged in. · Values as first reported; debt = reported financial debt (US GAAP: long-term). 13F: reporting date Jun 30, 2026, 9 tracked funds have filed (latest Aug 14, 2026), filed with up to 45 days of delay. Stock positions only; comparison with Mar 31, 2026 only across funds that filed for both quarters.
All figures as a table
Fiscal years (amounts in USD, per share in USD)
YearEndRevenueNet income MarginEarnings per shareDividend per sharePayout
2025Dec 31, 2025 447.6B12.1B 2.7% 13.23 8.73 66%
2024Dec 31, 2024 400.3B14.4B 3.6% 15.51 8.18 53%
2023Dec 31, 2023 371.6B22.4B 6.0% 23.86 7.29 31%
2022Dec 31, 2022 324.2B20.1B 6.2% 21.18 6.40 30%
2021Dec 31, 2021 287.6B17.3B 6.0% 18.08 5.60 31%
2020Dec 31, 2020 257.1B15.4B 6.0% 16.03 4.83 30%
2019Dec 31, 2019 242.2B13.8B 5.7% 14.33 4.14 29%
2018Dec 31, 2018 226.2B12.0B 5.3% 12.19 3.45 28%
2017Dec 31, 2017 201.2B10.6B 5.2% 10.72 2.88 27%
2016Dec 31, 2016 184.8B7.0B 3.8% 7.25 2.38 33%
Quarters (amounts in USD, per share in USD)
QuarterEndRevenueNet income MarginEarnings per shareDividend per sharePayout
Q2/26Jun 30, 2026 112.0B5.5B 4.9% 6.04 2.32 38%
Q1/26Mar 31, 2026 111.7B6.3B 5.6% 6.90 2.21 32%
Q4/25*Dec 31, 2025 113.2B10.0M 0.0% – 2.21 –
Q3/25Sep 30, 2025 113.2B2.3B 2.1% 2.59 2.21 85%
Q2/25Jun 30, 2025 111.6B3.4B 3.1% 3.74 2.21 59%
Q1/25Mar 31, 2025 109.6B6.3B 5.7% 6.85 2.10 31%
Q4/24*Dec 31, 2024 100.8B5.5B 5.5% – 2.10 –
Q3/24Sep 30, 2024 100.8B6.1B 6.0% 6.51 2.10 32%
Q2/24Jun 30, 2024 98.9B4.2B 4.3% 4.54 2.10 46%
Q1/24Mar 31, 2024 99.8B−1.4B −1.4% −1.53 1.88 –
Q4/23*Dec 31, 2023 94.4B5.5B 5.8% – 1.88 –
Q3/23Sep 30, 2023 92.4B5.8B 6.3% 6.24 1.88 30%

* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.

How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.

Insiders

All insider transactions
Insider purchases and sales on the market over 3, 6 and 12 months
PeriodPurchasesSalesNet
3 months $00 people $660.9K1 person −$660.9K
6 months $00 people $660.9K1 person −$660.9K
12 months $00 people $944.9K1 person −$944.9K

Latest transactions

  • Aug 21, 2026 Conway Patrick Hugh Chief executive (CEO) Open-market sale 1,169 shares · $455.9K · SEC
  • Aug 5, 2026 Conway Patrick Hugh Chief executive (CEO) Open-market sale 500 shares · $205.0K · SEC
  • Apr 23, 2026 Conway Patrick Hugh Chief executive (CEO) Open-market sale 800 shares · $284.0K · SEC

Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.

Trend score +40

Price vs. EMA 50+15
Price vs. EMA 200+15
EMA 50 vs. EMA 200+20
ADX (trend strength)+15
Highs and lows-10
Relative strength-15

Volatility and trend strength

ADX 14 (trend strength)35.3
Rel. strength 60 d−2.2%

ATR and moving averages as price values only when logged in.

More stocks from Health Care

All symbols in this sector

News

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