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    UnitedHealth Group Incorporated (UNH)

    Official site

    HEALTHCARE • HEALTHCARE PLANS • NYSE

    $406.66
    +11.04 (+2.79%)

    Market Cap: $355.11B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    95%(38/40)
    Avg Surprise
    +5.61%
    Streak
    5 Q

    Upcoming Estimates

    Period ending Dec 31, 2026
    EPS Consensus$4.26
    Range$3.90 - $4.50
    25 analysts
    Revenue Consensus
    $115.1B
    Range$107.5B - $120.7B
    19 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$4.26---
    Sep 26
    Reported Oct 13
    		$4.69$4.12+13.84%Beat+60.6%
    Jun 26
    Reported Jul 16
    		$6.38$4.94+29.15%Beat+56.4%
    Mar 26
    Reported Apr 21
    		$7.23$6.60+9.55%Beat+0.4%
    Dec 25
    Reported Jan 27
    		$2.11$2.11+0.00%Beat-69.0%
    Sep 25
    Reported Oct 28
    		$2.92$2.81+3.91%Beat-59.2%
    Jun 25
    Reported Jul 29
    		$4.08$4.45-8.31%Miss-40.0%
    Mar 25
    Reported Apr 17
    		$7.20$7.29-1.23%Miss+4.2%
    Dec 24
    Reported Jan 16
    		$6.81$6.74+1.04%Beat+10.6%
    Sep 24
    Reported Oct 15
    		$7.15$7.03+1.71%Beat+9.0%
    Jun 24
    Reported Jul 16
    		$6.80$6.63+2.56%Beat+10.7%
    Mar 24
    Reported Apr 16
    		$6.91$6.62+4.38%Beat+10.4%
    Dec 23
    Reported Jan 12
    		$6.16$5.99+2.84%Beat+15.4%
    Sep 23
    Reported Oct 13
    		$6.56$6.35+3.31%Beat+13.3%
    Jun 23
    Reported Jul 14
    		$6.14$5.98+2.68%Beat+10.2%
    Mar 23
    Reported Apr 14
    		$6.26$6.08+2.96%Beat+14.0%
    Dec 22
    Reported Jan 13
    		$5.34$5.17+3.29%Beat+19.2%
    Sep 22
    Reported Oct 14
    		$5.79$5.44+6.43%Beat+28.1%
    Jun 22
    Reported Jul 15
    		$5.57$5.21+6.91%Beat+18.5%
    Mar 22
    Reported Apr 14
    		$5.49$5.35+2.62%Beat+3.4%
    Dec 21
    Reported Jan 19
    		$4.48$4.31+3.94%Beat+77.8%
    Sep 21
    Reported Oct 14
    		$4.52$4.42+2.26%Beat+28.8%
    Jun 21
    Reported Jul 15
    		$4.70$4.46+5.38%Beat-34.0%
    Mar 21
    Reported Apr 15
    		$5.31$4.38+21.23%Beat+42.7%
    Dec 20
    Reported Jan 20
    		$2.52$2.41+4.56%Beat-35.4%
    Sep 20
    Reported Oct 14
    		$3.51$3.08+13.96%Beat-9.5%
    Jun 20
    Reported Jul 15
    		$7.12$5.24+35.88%Beat+97.8%
    Mar 20
    Reported Apr 15
    		$3.72$3.65+1.92%Beat-0.3%
    Dec 19
    Reported Jan 15
    		$3.90$3.78+3.17%Beat+18.9%
    Sep 19
    Reported Oct 15
    		$3.88$3.76+3.19%Beat+13.8%
    Jun 19
    Reported Jul 18
    		$3.60$3.46+4.05%Beat+14.6%
    Mar 19
    Reported Apr 16
    		$3.73$3.60+3.61%Beat+22.7%
    Dec 18
    Reported Jan 15
    		$3.28$3.22+1.86%Beat+26.6%
    Sep 18
    Reported Oct 16
    		$3.41$3.30+3.33%Beat+28.2%
    Jun 18
    Reported Jul 17
    		$3.14$3.04+3.29%Beat+27.6%
    Mar 18
    Reported Apr 17
    		$3.04$2.91+4.47%Beat+28.3%
    Dec 17
    Reported Jan 16
    		$2.59$2.52+2.78%Beat+22.7%
    Sep 17
    Reported Oct 17
    		$2.66$2.57+3.50%Beat-
    Jun 17
    Reported Jul 18
    		$2.46$2.38+3.36%Beat-
    Mar 17
    Reported Apr 18
    		$2.37$2.17+9.22%Beat-
    Dec 16
    Reported Jan 17
    		$2.11$2.07+1.93%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.28%
    Forward Annual Dividend$9.28
    Payout Ratio30.25%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+10.90%
    5Y CAGR+12.57%
    UNH dividend history and ex-dividend datesRun UNH in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio19.92EV/EBITDA16.06x
    Price/FCF15.53xFCF Yield6.44%
    Profitability
    Profit Margin3.53%Operating Margin5.82%
    ROE15.80%ROIC10.62%
    Financial Health
    Debt/Equity0.74xInterest Coverage5.48x
    Current Ratio0.78xQuick Ratio0.78x
    Trading Statistics
    Beta0.61Avg Volume5.84M
    52-Week High$458.7952-Week Low$252.96

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$381.16
    SMA 20$377.35
    SMA 50$386.11
    SMA 200$356.14
    EMA 10$384.52
    EMA 20$381.69
    EMA 50$385.61
    EMA 200$373.64

    MACD

    Line: 1.18Signal: -2.74Hist: 3.92

    ADX

    ADX: 28.3+DI: 32.7-DI: 11.3

    Aroon & PSAR

    Aroon Up100.0
    Aroon Down60.0
    PSAR$375.07

    Bollinger Bands

    Upper Band$395.67
    Lower Band$359.02
    %B Position971%(Upper)
    Band Width1.30

    RSI (14-Day)

    Neutral
    68.2

    Momentum Oscillators

    Stoch %K71.6
    Stoch %D64.4
    Williams %R-14.5
    ROC (10d)11.4%
    Momentum41.46
    CCI (20d)364.2
    MFI (14d)71.9

    Volatility Measures

    ATR (14d)$11.80(2.9%)
    StdDev (20d)9.16
    Hist Vol25.5%(Moderate)

    Volume Flow

    VWAP$406.93
    OBV-207.7M
    AD Line-3.3B
    CMF (20d)0.057

    Volume Metrics

    Avg Vol (20d)6.0M
    Vol Ratio1.7x(High)
    VWMA (20d)$379.30

    Pivot Points

    R3$414.76
    R2$405.60
    R1$400.61
    Pivot Point$391.45
    S1$386.46
    S2$377.30
    S3$372.31

    Advanced Oscillators

    TSI3.40
    Ultimate Osc48.9
    KST-12.85

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$112.03B$111.72B$113.22B$113.16B$111.62B$109.58B$100.81B$100.82B$98.86B$99.80B$94.43B$92.36B
    Cost of Revenue$88.73B$86.31B$94.72B$92.52B$91.60B$85.80B$79.50B$77.79B$76.80B$76.79B$72.42B$68.97B
    Gross Profit$23.30B$25.41B$18.49B$20.64B$20.01B$23.77B$21.31B$23.03B$22.06B$23.00B$22.00B$23.39B
    Operating Expenses$15.31B$16.42B$18.11B$16.32B$14.86B$14.65B$13.54B$14.32B$14.18B$15.07B$14.31B$14.86B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$14.27B$15.39B$17.00B$15.22B$13.78B$13.59B$12.49B$13.28B$13.16B$14.08B$13.34B$13.86B
    Operating Income$7.99B$8.99B$380.00M$4.32B$5.15B$9.12B$7.77B$8.71B$7.88B$7.93B$7.69B$8.53B
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$962.00M$955.00M$974.00M$1.00B$1.03B$998.00M$1.00B$1.07B$985.00M$844.00M$830.00M$834.00M
    Income Before Tax$6.97B$7.96B$-720,000,000$3.23B$4.08B$8.11B$6.79B$7.61B$5.67B$1.00M$6.86B$7.69B
    Income Tax Expense$1.30B$1.48B$-938,000,000$686.00M$510.00M$1.63B$1.01B$1.36B$1.24B$1.22B$1.18B$1.65B
    Net Income$5.67B$6.48B$218.00M$2.54B$3.57B$6.47B$5.78B$6.26B$4.42B$-1,221,000,000$5.67B$6.04B
    EBITDA$8.97B$9.95B$1.37B$5.33B$6.19B$10.16B$8.84B$9.73B$7.67B$1.84B$8.66B$9.53B
    EBIT$7.93B$8.92B$254.00M$4.23B$5.11B$9.10B$7.79B$8.69B$6.65B$845.00M$7.69B$8.53B
    * Some calculated fields are derived from available data when not provided by source

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    Government Contracts

    Gov Obligations (TTM)
    $26.61B
    Gov Obligations / Revenue
    5.9%
    Obligations YoY
    1.0%
    Active Awards
    246
    New Awards (TTM)
    126
    Avg Remaining Term
    6.5 mo

    Top agency: Department of Veterans Affairs at 99.5% of trailing twelve month obligations across 7 agencies

    Recent Awards

    Award IDAgencyObligatedStart
    36C10G26K0209Department of Veterans AffairsDepartment of Veterans Affairs$1.10BOct 1, 2025
    36C10G26K0278Department of Veterans AffairsDepartment of Veterans Affairs$988.20MMar 1, 2026
    36C10G26K0291Department of Veterans AffairsDepartment of Veterans Affairs$962.19MJun 1, 2026
    36C10G26K0289Department of Veterans AffairsDepartment of Veterans Affairs$918.98MApr 1, 2026
    36C10G26K0290Department of Veterans AffairsDepartment of Veterans Affairs$918.47MMay 1, 2026
    36C10G26K0211Department of Veterans AffairsDepartment of Veterans Affairs$894.52MDec 1, 2025
    36C10G26K0276Department of Veterans AffairsDepartment of Veterans Affairs$858.31MJan 1, 2026
    36C10G26K0277Department of Veterans AffairsDepartment of Veterans Affairs$848.78MFeb 1, 2026
    36C10G26K0210Department of Veterans AffairsDepartment of Veterans Affairs$782.10MNov 1, 2025
    36C10G26K0206Department of Veterans AffairsDepartment of Veterans Affairs$772.55MOct 1, 2025

    Federal contract obligations are bookings recorded by the awarding agency, not recognized revenue. They can exceed 100% of revenue and can be negative when contracts are de-obligated. Source: USAspending.gov prime awards, data through Jul 31, 2026.

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    UNH Valuation and Fair Value

    P/E
    19.9x
    Forward P/E
    16.6x
    EV/EBITDA
    16.1x
    P/FCF
    15.5x
    PEG
    1.0x
    P/B
    3.7x
    See GNG's fair value

    UNH Profitability: Margins, ROIC and FCF

    Gross margin
    19.5%
    Operating margin
    5.8%
    Net margin
    3.5%
    ROIC
    10.6%
    ROE
    15.8%
    FCF margin
    5.2%
    FCF yield
    6.4%

    UNH Competitors

    CompanyTicker
    Merck & Company IncMRK
    Novartis AG ADRNVS
    AbbVie IncABBV
    AstraZeneca PLCAZN
    Johnson & JohnsonJNJ
    Thermo Fisher Scientific IncTMO
    Eli Lilly and CompanyLLY
    Amgen IncAMGN

    Sector: Healthcare

    UNH Analyst Ratings

    Consensus
    Buy
    Analysts
    26
    Strong Buy
    7
    Buy
    15
    Hold
    4
    Sell
    0
    Strong Sell
    0

    UNH Bull Case vs Bear Case

    Bull case

    • 84.6% of UNH's analyst ratings are Buy or Strong Buy.

    Bear case

    • UNH's quarterly revenue changed -0.4% year over year.

    UNH Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    6.0%
    EPS estimate (fiscal period ending Dec 31, 2026)
    $4.26

    UNH Dividend

    Forward yield
    2.3%
    Payout ratio
    30.2%
    3Y DPS growth
    10.9%
    5Y DPS growth
    12.6%
    Pay months
    Mar, Jun, Sep, Dec
    UNH dividend history

    Frequently Asked Questions About UNH

    What is UNH's current dividend yield?

    UnitedHealth Group Incorporated (UNH) has a forward dividend yield of 2.28%.

    Does UNH pay dividends?

    Yes, UnitedHealth Group Incorporated pays dividends with a forward dividend yield of 2.28%.

    What is UNH's P/E ratio?

    UnitedHealth Group Incorporated has a price-to-earnings (P/E) ratio of 19.92.

    What is UNH's market cap?

    UnitedHealth Group Incorporated (UNH) has a market capitalization of $355.11B with a current stock price of $406.66.

    Related stocks

    Sector: Healthcare

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