UnitedHealth Group Incorporated (UNH)
NYSE · Health Care · market cap 345.38B
Share price
$375.21
At the last nightly close
Intrinsic value
$418.24
Range $418.24 – $521.32 — the conservative figure is the low end.
Margin of safety
+11.5%
($418.24 − $375.21) ÷ $375.21
EV / EBIT
22.8
On the median operating profit of 15 fiscal years through 2025.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.
The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-09-03.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 447.57B | 18.96B | 12.06B | 13.31 | 16.07B |
| 2024-FY | 400.28B | 32.29B | 14.40B | 15.74 | 20.70B |
| 2023-FY | 371.62B | 32.36B | 22.38B | 24.22 | 25.68B |
| 2022-FY | 324.16B | 28.43B | 20.12B | 21.54 | 23.40B |
| 2021-FY | 287.60B | 23.97B | 17.29B | 18.08 | 19.89B |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- Catalysts That Could Propel UnitedHealth Stock to the Moon | Trefistrefis.com
- UNH Stock Catalyst Calendar: Earnings Dates, Events & ...catacal.com
- These Catalysts Could Lift UnitedHealth Stock Higher | UNH Stock Analysisyoutube.com
- UnitedHealth Could Reprice Soon: The Catalyst Is Here (NYSE:UNH) | Seeking Alphaseekingalpha.com
- UnitedHealth Group (UNH) Earnings: Latest Report, Earnings ...public.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on UNH.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.