Is UNH a good stock to buy?
UnitedHealth Group Incorporated · end-of-day data as of Nov 13, 2026
- PT$460.74 +13.1%
- ConsensusBuy · 26
- P/E vs sector-27.8%
- FCF yield+6.3%
- Trendbullish
- MAs3 of 4
- Sector▲ +15.9%
- Earnings in68d
- P/E23.3x
- RSI55
- Support-3.4%
- Resistance+1.2%
- Off 52w high-11.7%
- Volume0.7x
- Bollingerlower half
- P/E vs own-0.1%
- 52w range$256–$462
- ATR+2.7%
- Off ATH-35.4%
- Insiders-$456K
- News
- MACD-0.93
Updates with the 15-min delayed price. Not a forecast or investment advice.
Is UnitedHealth a good stock to buy?
UnitedHealth is strong on 3 of the 5 questions about the business. The price is about usual: 23.3 times its earnings, near its 3-year median of 23.6 (Nov 13, 2026). pretickt does not say whether to buy or sell.
- Demand growing
- Advantage hard to copy
- Economics profitable
- Execution mixed
- Fragility sturdy
- Price about usual
UNH sales growth revenue growth
+11%a year, for the last 3 yearsUnitedHealth's sales grew 11% a year for 3 years, to $448B in fiscal 2025.
UNH analysts' forecast revenue estimates
0%the sales they expect next fiscal year, on the lastAnalysts expect UnitedHealth's sales to grow 0% to $448B in fiscal 2026 (17 analysts).
UNH competitors
pretickt analysis+3%its sales in 12 months, on a year before
UnitedHealth's sales grew 3% in the 12 months to Sep 30, 2026, slower than Humana (+22%), Cigna (+7%), CVS Health (+7%) and Elevance Health (+4%).
UNH sales by business revenue by segment
79%of its sales from PremiumsPremiums brought UnitedHealth 79% of its sales in fiscal 2025; Products 12%.
UNH return on capital ROIC
pretickt analysis16%earned before tax on the money invested in itUnitedHealth earned 16% before tax on the capital invested in it in the 12 months to Sep 30, 2026; Cigna 14%, Elevance Health 11%, CVS Health 10% and Humana 8%.
UNH margin on each sale gross margin
23%left after making the productUnitedHealth kept 23% of each sale after making the product in the 12 months to Sep 30, 2026; its competitors' median is 14%.
UNH margin after costs profit margin
5%of sales left after running the businessUnitedHealth's operating margin was 5% in the 12 months to Sep 30, 2026, against 9% in fiscal 2022.
UNH cash generated free cash flow
$22.83Bcash left after investing, last 12 monthsUnitedHealth generated $22.83B of free cash flow in the 12 months to Sep 30, 2026, more than its reported profit.
UNH earnings vs estimates
6 of 8quarters above the analysts' estimateUnitedHealth beat the analysts' profit estimate in 6 of its last 8 quarters, the latest on Oct 13, 2026.
UNH insider selling
-$945Ksold, net, by its executives in 12 monthsUnitedHealth's executives and directors sold a net $945K of shares in the 12 months to Nov 13, 2026; none bought.
UNH number of employees
-3%fewer people in a yearUnitedHealth had 390,000 employees at the end of fiscal 2025, 3% fewer than a year before.
UNH CEO pay
$60.94Mfor fiscal 2025, 98% of it in stock and optionsUnitedHealth paid its CEO $60.94M for fiscal 2025, 98% of it in stock and options.
UNH financial health Altman Z-score
3.1Altman Z-score, safe above 3UnitedHealth's Altman Z-score is 3.1 (Nov 13, 2026), above 3, where the safe zone starts.
UNH quality checks Piotroski score
7 of 9checks passedUnitedHealth passes 7 of the 9 Piotroski checks in the 12 months to Sep 30, 2026; it misses on return on assets and the current ratio.
UNH biggest customers
44%of sales from its biggest customerCMS made 44% of UnitedHealth's sales in fiscal 2025.
UNH in past recessions
pretickt analysis+5%its sales in the worst oneUnitedHealth's sales grew through each of the last 2 US recessions (2008–09 and 2020).
UNH price vs profit P/E ratio
23.3×a year's earningsUnitedHealth's P/E ratio is 23.3 (Nov 13, 2026), near its 3-year median of 23.6.
UNH price vs competitors
pretickt analysis23.3×a year's earnings, against its competitorsInvestors pay 23.3 times UnitedHealth's earnings (Nov 13, 2026), more than for Elevance Health (18.3), Cigna (13.1) and CVS Health (10.4), less than for Humana (43.8).
UNH analysts' target price target
+13%to their average targetAnalysts' average price target for UnitedHealth is $461, 13% above the Nov 13, 2026 close of $407.46.
UNH growth priced in fair value
pretickt analysis+4%a year, for ten years, to be worth the priceAt $407.46 a share, UnitedHealth's free cash flow must grow about 4% a year for ten years to be worth the price (Nov 13, 2026).
What is UnitedHealth's P/E ratio?
UnitedHealth's P/E ratio is 23.3 (Nov 13, 2026), near its 3-year median of 23.6. Investors pay 23.3 times UnitedHealth's earnings (Nov 13, 2026), more than for Elevance Health (18.3), Cigna (13.1) and CVS Health (10.4), less than for Humana (43.8).
Who are UnitedHealth's biggest competitors?
pretickt compares UnitedHealth with CVS Health, Elevance Health, Cigna and Humana. UnitedHealth's sales grew 3% in the 12 months to Sep 30, 2026, slower than Humana (+22%), Cigna (+7%), CVS Health (+7%) and Elevance Health (+4%).
Is UnitedHealth profitable?
UnitedHealth's operating margin was 5% in the 12 months to Sep 30, 2026, against 9% in fiscal 2022. UnitedHealth generated $22.83B of free cash flow in the 12 months to Sep 30, 2026, more than its reported profit.
Are insiders selling UnitedHealth stock?
UnitedHealth's executives and directors sold a net $945K of shares in the 12 months to Nov 13, 2026; none bought.
How does UnitedHealth make money?
Premiums brought UnitedHealth 79% of its sales in fiscal 2025; Products 12%.
Who owns UnitedHealth stock?
3,569 institutions hold 89% of UnitedHealth's shares (Jun 30, 2026); Vanguard, BlackRock and State Street added shares that quarter.
How many employees does UnitedHealth have?
UnitedHealth had 390,000 employees at the end of fiscal 2025, 3% fewer than a year before.
Who are UnitedHealth's biggest customers?
CMS made 44% of UnitedHealth's sales in fiscal 2025.
From the companies' statements (FMP), their filings read by pretickt, the analysts and the insiders, as of Nov 13, 2026. Each card says what a fact means for its question, never what to do with the stock: for information only, not investment advice.