UnitedHealth Group (UNH) Fair Value & Analysis
Healthcare · US · Market cap $360B
UnitedHealth Group
UNH · US
Fair value as of: Jun 24, 2026
From 24 valuation models · updated 8 days ago
Share price +12.6% over the past month.
Price vs Fair Value (12 months)
12‑month range $224.07 – $411.68 · fair‑value band $204.42 – $365.07 · the $409.25 price screens above the $292.06 fair value. As of Jun 24, 2026.
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UnitedHealth Group (UNH) currently trades at $409.25, while our model-based Fair Value estimate is $292.06 — implying the stock looks roughly 28.6% overvalued today. We read business quality at 70/100 (solid quality), in the Healthcare sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, UnitedHealth Group generated revenue of $450B at a net margin of 2.7%. Revenue grew 2.0% year over year. It earns a return on equity of 12.2%. Net debt stands at $54.0B. Fundamentals as of Jun 24, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 24, 2026. TTM = trailing twelve months.
About the company
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. It operates through four segments: Optum Health, Optum Insight, Optum Rx; and UnitedHealthcare. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services with patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, public entities, life sciences companies and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
UnitedHealth Group reported revenue of $448B in FY2025 versus $288B in FY2021, a compound +11.7%/yr. Reported net income was $12.1B in FY2025, compounding −8.6%/yr from FY2021.
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Recent news
- Q1 Earnings Highs And Lows: UnitedHealth (NYSE:UNH) Vs The Rest Of The Health Insurance Providers Stocks
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- Can Centene's Integrated Healthcare Model Support Earnings Growth?
External third-party headlines (Yahoo Finance, Reuters and others) — not an editorial selection, not financial advice.
Similar stocks
6 more Healthcare Plans stocks, each showing price versus our Fair Value estimate (as of Jun 24, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| CVS Health Corporation CVS | C$23.81 | C$11.31 | -52% |
| Elevance Health, Inc E1LV34 | R$421.98 | R$83.34 | -80% |
| The Cigna Group CI | $280.68 | $500.99 | +78% |
| Humana Inc HUM | $360.72 | $112.13 | -69% |
| Molina Healthcare, Inc MOH | $190.86 | $179.40 | -6% |
| Oscar Health, Inc OSCR | $28.54 | $57.08 | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.