UNH

$268.55

Public overview and default valuation.

Log in to track this stock.

Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, 6.27% trendline growth.
Want to create your own valuation? Create a free account.
$1,794.46

With 20% Margin of Safety (MoS):

$1,435.57
434.56% upside
Capital Efficiency
Average Quarterly ROIC
2.67%
Cost of Capital (estimated)10%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
70
BullishWeighted across 6 signals
DCF Discount
434.6% discount to price
100
FCF Yield
18.3% trailing FCF yield
100
ROIC vs WACC
ROIC 2.7% vs WACC 10.0% (0.3x)
13
Net Debt / FCF
1.1x net debt to FCF
56
Buybacks
Share count shrinking
80
FCF CAGR (5Y)
13.0% 5Y FCF CAGR
90
Strengths: DCF Discount, FCF Yield. Concerns: ROIC vs WACC.
Narrative Score
29
Broken
Weighted across 6 recent drivers · Last 30 days+3 vs previousVs 6-Month Baseline: Below Avg (29th pct)
Trend: Deteriorating downConfidence: 100%Updated: 3h ago
Sources: 212 (News 200 · Analyst 12)
Drivers
128 news sentiment-1.3
3 margin pressure-0.4
4 earnings beat+0.4
2 restructuring-0.3
2 downgrade headlines-0.2
61 regulatory scrutiny-0.2
Other Metrics
P/E17.2
Profit Margin3.2%
Owner Earnings$24.88b
One Dollar Premise56.00%
Debt/Equity2.14
Current Ratio0.83
PEG-0.923
Free Cash Flow (in millions)
20062007200820092010201120122013201420152016201720182019202020212022202320242025
$7,254$6,748$5,029$6,364$7,151$7,986$8,225$8,152$9,498$11,296$11,500$15,619$17,776$20,534$24,225$24,797$29,008$32,454$27,703$44,582
How Intrinziq Estimates Fair Value

Intrinziq estimates UnitedHealth Group Incorporated's intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

UnitedHealth Group IncorporatedHealthcare

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals directly through care delivery systems, employers, payers, and government entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.