UnitedHealth Group
UNH
$408.74
+0.41%
UnitedHealth Group is a diversified healthcare company operating through two primary platforms: UnitedHealthcare, which provides health insurance and benefits to approximately 51 million members globally, and Optum, which offers healthcare services, pharmacy benefits, and data analytics. As one of the largest private health insurers in the U.S., UnitedHealth holds a dominant market position, leveraging its integrated model to deliver care and reduce costs. The current investor narrative centers on the company's operational recovery, with shares rebounding over 80% from their 52-week low, driven by better-than-expected Medicare reimbursement rates and improved Q1 earnings. However, an unresolved Department of Justice investigation into its Medicare billing practices and regulatory scrutiny over prior authorizations continue to create uncertainty, making the stock a focal point for debate on whether the worst is behind it.…
UNH
UnitedHealth Group
$408.74
Related headlines
UNH 12-Month Price Forecast
Wall Street consensus
Most Wall Street analysts maintain a constructive view on UnitedHealth Group's 12-month outlook, with a consensus price target around $475.23 and implied upside of +16.3% versus the current price.
Average Target
$475.23
0 analysts
Implied Upside
+16.3%
vs. current price
Analyst Count
—
covering this stock
Price Range
$313 - $529
Analyst target range
The target price range spans from a low of $313.00 to a high of $529.00, representing a wide spread of approximately 69% from low to high, which signals elevated uncertainty about the company's future performance. The high target of $529 implies a forward PE of roughly 23.6x based on estimated EPS of $34.29, suggesting expectations of robust earnings growth and multiple expansion as the company recovers from its operational challenges. Conversely, the low target of $313 implies a forward PE of about 9.1x, pricing in significant margin compression, regulatory penalties, or a recessionary impact on membership. The wide dispersion reflects the ongoing DOJ investigation and policy risk, but the consensus leans bullish, with the average target well above the current price, indicating analysts see more upside than downside.
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UNH Technical Analysis
UnitedHealth's stock has exhibited a strong recovery trend over the past year, with a 1-year price change of +64.36%, significantly outperforming the S&P 500's +21.46% gain. The current price of $403.97 sits at 87.5% of its 52-week range (between $239.50 low and $461.62 high), indicating the stock is trading near the upper end of its range, reflecting robust momentum and investor confidence. This positioning suggests the market is rewarding the company's operational improvements, though it also raises concerns about potential overextension given the rapid ascent from the lows.
Beta
0.63
0.63x market volatility
Max Drawdown
-30.0%
Largest decline past year
52-Week Range
$252-$462
Price range past year
Annual Return
+62.9%
Cumulative gain past year
| Period | UNH Return | S&P 500 |
|---|---|---|
| 1m | -3.7% | +2.4% |
| 3m | +3.1% | +4.7% |
| 6m | +46.5% | +11.7% |
| 1y | +62.9% | +21.3% |
| ytd | +21.5% | +13.4% |
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UNH Fundamental Analysis
UnitedHealth's revenue trajectory remains solid, with Q1 2026 revenue of $111.72 billion, up 1.96% year-over-year from $109.58 billion in Q1 2025. While growth has decelerated from the 5.9% YoY increase seen in Q1 2025, the company continues to expand its top line, driven by growth in its Optum segment and UnitedHealthcare's government programs. The multi-quarter trend shows revenue stabilizing around $111-113 billion, indicating a mature but resilient business model. The company's scale and diversified revenue streams provide a defensive moat, though growth is increasingly dependent on government policy and Medicare Advantage rates.
Quarterly Revenue
$111.7B
2026-03
Revenue YoY Growth
+2.0%
YoY Comparison
Gross Margin
22.7%
Latest Quarter
Free Cash Flow
$19.7B
Last 12 Months
Revenue & Net Income Trends (2 Years)
Revenue Breakdown
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Valuation Analysis: Is UNH Overvalued?
Given UnitedHealth's positive net income, the price-to-earnings (PE) ratio is the most appropriate valuation metric. The trailing PE stands at 24.95x, while the forward PE is 18.01x, implying the market expects significant earnings growth. The gap between trailing and forward PE suggests analysts anticipate a recovery in earnings from the depressed levels seen in late 2025, when Q4 net income was just $10 million due to one-time charges. This forward multiple is below the 5-year historical average PE of approximately 22x, indicating the stock may be undervalued relative to its own history if earnings growth materializes as expected.
PE
25.0x
Latest Quarter
vs. Historical
Mid-Range
5-Year PE Range 19x~29x
vs. Industry Avg
N/A
Industry PE ~N/A*
EV/EBITDA
15.4x
Enterprise Value Multiple
