UnitedHealth Group IncorporatedOpportunity Rank #158(UNH) Intrinsic Value & DCF Analysis (2026)
Current Price
$269.54
Last updated: Mar 24, 2026
Price vs Intrinsic Value
Fundamental Score
Weighted across 6 signals
Narrative Score
No change vs previous
The intrinsic value of UnitedHealth Group Incorporated (UNH) is estimated at $497.73 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $269.54, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 5.23% long-term growth rate and an 8.00% discount rate (calculated: 7.10%), reflecting expected future free cash flow and cost of capital.
The intrinsic value of UnitedHealth Group Incorporated (UNH) is estimated at $497.73 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $269.54, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a 5.23% long-term growth rate and an 8.00% discount rate (calculated: 7.10%), reflecting expected future free cash flow and cost of capital.Valuation Details
Capital Efficiency
The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.
Fundamental Details
Narrative Details
Investment Coach
- Monitor whether valuation discount remains above 10%.
- Track ROIC vs WACC spread for sustained improvement.
- Follow narrative trend for meaningful shifts in the score direction.
Free Cash Flow (in millions)
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.