US · UNH
UnitedHealth Group Incorporated
- Sector
- Healthcare · Medical - Healthcare Plans
- Headquarters
- Eden Prairie, MN 55343
- Website
- unitedhealthgroup.com
Price · as of 2025-12-31
$368.78
Market cap 265.66B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $212.22 | -42.45% |
| Intrinsic Value(DCF) | $716.94 | +94.41% |
| Graham-Dodd Method(GD) | $45.75 | -87.6% |
| Graham Formula(GF) | $257.25 | -30.24% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $44.75 | $72.17 | $41.23 | $18.94 | $76.76 |
| 2012 | $43.68 | $58.96 | $28.39 | $14.82 | $88.01 |
| 2013 | $63.83 | $65.86 | $28.97 | $12.75 | $103.22 |
| 2014 | $96.61 | $84.10 | $29.52 | $7.39 | $83.50 |
| 2015 | $106.58 | $89.16 | $249.49 | $0.00 | $168.62 |
| 2016 | $147.33 | $102.31 | $1,209.95 | $0.00 | $184.01 |
| 2017 | $198.35 | $144.35 | $1,661.07 | $6.71 | $181.24 |
| 2018 | $211.60 | $165.49 | $1,603.61 | $3.03 | $248.82 |
| 2019 | $257.42 | $198.33 | $916.76 | $2.28 | $215.75 |
| 2020 | $328.16 | $252.00 | $100.21 | $2.55 | $228.94 |
| 2021 | $451.34 | $319.28 | $124.39 | $3.38 | $355.92 |
| 2022 | $435.78 | $348.11 | $374.64 | $0.00 | $438.89 |
| 2023 | $457.95 | $376.35 | $1,222.28 | $0.00 | $532.89 |
| 2024 | $481.62 | $369.90 | $620.30 | $0.00 | $241.76 |
| 2025 | $294.93 | $212.22 | $687.35 | $45.75 | $257.25 |
AI valuation
Our deep-learning model estimates UnitedHealth Group Incorporated's (UNH) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $212.22
- Current price
- $368.78
- AI upside
- -42.45%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$716.94
+94.41% upside
Graham-Dodd
$45.75
-87.6% upside
Graham Formula
$257.25
-30.24% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UNH | UnitedHealth Group Incorp… | $368.78 | 265.66B | -42% | +94% | -88% | -30% | 20.96 | 2.68 | 0.60 | 13.82 | — | 2.68 | 18.53% | 4.24% | 2.69% | 13.29% | 11.37% | 4.21% | 0.78 | 4.74 | 0.79 | 0.45 | 2.18 | -1470.00% | 1181.00% | -2236.00% | 5.99% | 0.17 | 11.06% | 2.95% | 61.80% | 5.51% | 16.80 | 19.82 | 0.71 | 2.33 |
| ABT | Abbott Laboratories | $116.32 | 202.45B | -26% | -58% | — | -57% | 30.56 | 3.82 | 4.50 | 17.79 | — | 8.83 | 55.51% | 18.16% | 14.72% | 13.07% | 10.95% | 7.76% | 0.29 | 23.60 | 1.58 | 1.02 | 0.57 | -5131.00% | 567.00% | 1644.00% | 3.71% | 0.58 | 13.06% | 2.06% | 63.10% | 3.07% | 25.53 | 27.79 | 4.64 | 5.28 |
| AZN | AstraZeneca PLC | $208.45 | 646.31B | -44% | -57% | -100% | -74% | 61.77 | 12.98 | 10.75 | 33.06 | 32.62 | -60.60 | 81.90% | 23.40% | 17.46% | 22.86% | 16.43% | 9.38% | 0.61 | 8.11 | 0.94 | 0.68 | 1.21 | 18938.00% | 863.00% | 6172.00% | 1.86% | 0.48 | 17.05% | 0.80% | 49.70% | 1.02% | 47.70 | 55.72 | 11.16 | 6.83 |
| CI | Cigna Corporation | $289.82 | 77.42B | -21% | +327% | -97% | +46% | 12.30 | 1.85 | 0.28 | 8.71 | 14.84 | -2.43 | 9.45% | 3.32% | 2.17% | 15.20% | 11.53% | 4.01% | 0.75 | 6.61 | 0.85 | 0.65 | 2.05 | 8292.00% | 1126.00% | -634.00% | 10.85% | 0.17 | 12.88% | 2.08% | 25.60% | 7.58% | 11.08 | 12.06 | 0.37 | 2.69 |
| CVS | CVS Health Corporation | $79.90 | 101.65B | -34% | -49% | — | -73% | 58.52 | 1.38 | 0.26 | 18.90 | — | -2.89 | 13.77% | 2.58% | 0.44% | 2.35% | 5.50% | 0.69% | 1.24 | 3.33 | 0.84 | 0.57 | 8.63 | -6202.00% | 785.00% | 2341.00% | 7.55% | 0.12 | 5.11% | 3.28% | 192.10% | 3.28% | 17.95 | 23.88 | 0.46 | 2.27 |
| ELV | Elevance Health Inc. | $320.00 | 70.63B | -31% | -45% | -71% | +61% | 11.52 | 1.49 | 0.33 | 9.21 | — | 15.04 | 25.56% | 4.07% | 2.84% | 13.29% | 10.26% | 4.75% | 0.76 | 5.79 | 1.24 | 1.24 | 2.46 | -218.00% | 1262.00% | -3027.00% | 4.87% | 0.21 | 4.76% | 2.34% | 27.00% | 7.36% | 10.97 | 28.03 | 0.45 | 2.82 |
| HUM | Humana Inc. | $190.54 | 22.92B | -18% | +504% | -67% | -8% | 18.99 | 1.28 | 0.17 | 5.17 | — | 2.83 | 14.54% | 1.12% | 0.92% | 6.98% | 6.79% | 2.49% | 0.70 | 2.30 | 2.00 | 1.42 | 2.81 | -140.00% | 1006.00% | -8432.00% | 1.66% | 0.06 | 2.12% | 1.91% | 36.20% | 5.92% | 10.34 | 40.07 | 0.12 | 4.42 |
| MRK | Merck & Co., Inc. | $123.78 | 306.03B | +5% | -27% | -61% | -44% | 16.68 | 5.79 | 4.68 | 13.42 | 208.16 | 70.05 | 81.50% | 41.19% | 28.08% | 36.91% | 29.12% | 17.40% | 0.96 | — | 1.54 | 0.96 | 1.42 | 801.00% | 131.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 12.71 | — | 5.24 | 5.12 |
| NVO | Novo Nordisk A/S | $37.45 | 166.46B | +59% | +7% | — | -3% | 10.46 | 5.52 | 3.60 | 8.17 | 591.70 | 16.74 | 80.34% | 43.69% | 33.14% | 60.70% | 39.34% | 20.31% | 0.67 | 19.92 | 0.80 | 0.48 | 0.73 | 177.00% | 234.00% | -5838.00% | 2.71% | 0.55 | 11.19% | 4.65% | 48.60% | 4.77% | 9.05 | 40.54 | 3.95 | 3.59 |
| NVS | Novartis AG | $168.62 | 325.95B | -29% | -50% | — | -40% | 23.02 | 7.01 | 5.90 | 15.18 | 102.37 | -36.57 | 75.02% | 31.15% | 25.64% | 31.17% | 21.84% | 12.91% | 0.80 | 14.38 | 1.12 | 0.83 | 1.11 | 2249.00% | 597.00% | 2811.00% | 5.47% | 0.71 | 26.49% | 2.43% | 55.90% | 5.29% | 20.44 | 19.73 | 6.37 | 4.35 |
| TMO | Thermo Fisher Scientific … | $521.11 | 195.79B | -36% | -60% | -86% | -59% | 28.45 | 3.58 | 4.29 | 19.23 | 388.69 | -16.23 | 37.66% | 18.20% | 15.12% | 13.05% | 9.40% | 6.47% | 0.74 | 5.71 | 1.89 | 1.25 | 2.58 | 732.00% | 391.00% | -1340.00% | 3.29% | 0.51 | 7.89% | 0.33% | 9.50% | 1.90% | 27.19 | 35.04 | 4.95 | 2.81 |
About UnitedHealth Group Incorporated
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.
- CEO
- Stephen J. Hemsley
- Employees
- 400K
- Beta
- 0.41
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($716.94 ÷ $368.78) − 1 = +94.41% (DCF, example).