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UnitedHealth Group (UNHH34) Fair Value & Analysis

Healthcare · BR · Market cap R$1.9T

UG UnitedHealth Group UNHH34 · SA
PriceR$30.19
Fair ValueR$4.17
Upside-86.2%
Quality68/100
Evidence: High Range R$2.53 – R$5.22

Fair value as of: Jun 24, 2026

From 26 valuation models · updated 7 days ago

Share price +16.5% over the past month.

Price vs Fair Value (12 months)

R$30.19 R$17.61 Fair Value R$4.17 Jun 2025 Jul 2026

12‑month range R$17.61 – R$30.19 · fair‑value band R$2.53 – R$5.22 · the R$30.19 price screens above the R$4.17 fair value. As of Jun 24, 2026.

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Analysis

UnitedHealth Group (UNHH34) currently trades at R$30.19, while our model-based Fair Value estimate is R$4.17 — implying the stock looks roughly 86.2% overvalued today. We read business quality at 68/100 (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 R$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 R$54.0B. Fundamentals as of Jun 24, 2026

Key figures & financial health

Revenue (TTM) R$450B
Revenue growth (YoY) +2.0%
Net margin 2.7%
Return on equity 12.2%
Free cash flow R$16.1B FY2025
P/E ratio 30.7
More key figures
Operating margin 8.1%
EPS (TTM) R$0.9600
EPS growth (YoY) +0.7%
Net debt R$54.0B FY2025

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 R$448B in FY2025 versus R$285B in FY2021, a compound +11.9%/yr. Reported net income was R$12.1B in FY2025, compounding −8.6%/yr from FY2021.

Revenue +11.9%/yr
FY21 R$285B
FY22 R$324B
FY23 R$372B
FY24 R$400B
FY25 R$448B
Net income −8.6%/yr
FY21 R$17.3B
FY22 R$20.1B
FY23 R$22.4B
FY24 R$14.4B
FY25 R$12.1B

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Recent news

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).

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UNH UNH 7,169 MXN 292.06 MXN -96%
CVS Health Corporation CVS C$23.81 C$17.91 -25%
Elevance Health, Inc E1LV34 R$421.98 R$83.34 -80%
The Cigna Group CI $295.81 $500.99 +69%
Humana Inc HUM $349.80 $212.91 -39%
Centene Corporation CNC $65.34 $248.86 +281%

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Frequently asked questions

Is UnitedHealth Group (UNHH34) undervalued?
As of Jun 24, 2026, our model estimates a fair value of R$4.17 versus a price of R$30.19 — about −86% (overvalued). Model-based estimate, not financial advice.
What is the fair value of UNHH34?
Our model-based fair value for UnitedHealth Group is R$4.17 (as of Jun 24, 2026), built from audited fundamentals. The current price is R$30.19.
What is the quality score of UNHH34?
UnitedHealth Group has a Quality Score of 68/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of UnitedHealth Group (UNHH34)?
UnitedHealth Group reported trailing-twelve-month revenue of about R$450B (latest available figure, as of Jun 24, 2026).
What is the net profit margin of UNHH34?
The net profit margin of UnitedHealth Group is about 2.7%, meaning it keeps roughly 2.7% of revenue as net income. Based on the latest reported figures.

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.