UNH
UNITEDHEALTH GROUP INCORPORATEDData updated: 2026-04-15 · Current price: $393.85
Composite Score: 53
HOLD
Score: 53 / 100
Valuation is within reasonable range — hold and wait for a better entry point
Profitability
50
Growth
43
Valuation
33
Moat
25
Stability
77
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
12.0%
Quality threshold: > 15%
Gross Margin
88.7%
Quality threshold: > 40%
Rev. Growth (5yr)
11.7%
Quality threshold: > 5%
5-Year ROE: 12.0% → 14.7% → 23.7% → 24.7% → 23.0%|5-Year Gross Margin: 88.7% → 88.3% → 89.6% → 89.6% → 89.2%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
2.08
Quality threshold: < 0.5
FCF (5yr avg)
27.5B $
Quality threshold: > 0
Current Ratio
1.49x
Quality threshold: > 1.5
FCF Trend (B USD)
$23.3B2022
$27.7B2023
$32.5B2024
$29.0B2025
$24.8B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$8.4B
Net Income + D&A - CapEx
Current Price
$393.85
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
Complete Your Analysis
"Price is what you pay. Value is what you get."
— Warren Buffett