UNH · Unitedhealth Group Inc
$388.61
-5.32 (-1.35%)
At close · Aug 19
Market Cap
$353.59B
Shares
897.59M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$388.61
Open$394.57
Day$386.33–396.80
52W close$259.02–436.35
Avg vol 30d5.0M
Short int15.1M · 1.7% float · 2.5d
Short vol34%
Last earningsJul 16, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Oct 13, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Fair
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+12%
above
Price vs 50-day avg
−6%
below
RSI (14)
35
neutral
MACD trend
Negative
52-week position
73%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−10%
trailing
6-month return
+36%
trailing
YTD return
+18%
this year
Relative strength
+24%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $415 › 200d $347 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +520 funds added
Insider flow
Distributing
Net -$205.0K over 90 days · 100% sells
Short interest
Falling
1.68% of float · ▼ -13.0% MoM · 2.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
3,354 holders — mid 3-yr range
Squeeze score
44
elevated · 0–100
Fundamentals
Revenue growth
+12%
Y/Y
EPS growth
−15%
Y/Y
Free cash flow
$16.1B
Balance sheet
$54.0B
net debt
Quant / Vol
risk profile
Volatility
36%
annualized · 1-yr
Max drawdown
−30%
past year
ATR
2.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 16, 2026
UnitedHealthcare Operating Earnings
· Full Year 2026
at least $12,000
Optum Health Operating Earnings
· Full Year 2026
at least $2,275
Optum Insight Operating Earnings
· Full Year 2026
at least $4,925
Optum Rx Operating Earnings
· Full Year 2026
at least $6,250
Optum Operating Earnings
· Full Year 2026
at least $13,450
Medical Care Ratio
· Full Year 2026
88.1%
UnitedHealth Group Operating Earnings
· Full Year 2026
at least $25,450
Tax Rate
· Full Year 2026
18.5%
Cash Flows from Operations
· Full Year 2026
$24,000
Share Repurchase
· Full Year 2026
at least $5,000
Net Earnings to UNH Shareholders
· Full Year 2026
at least $16,750
Diluted Net Earnings per Share
· Full Year 2026
$18.45 – $18.95
Adjusted Net Earnings per Share
· Full Year 2026
$19.50 – $20.00
Prior guidance
period ended
· from the 8-K filed Oct 28, 2025
Net earnings per share
· Full Year 2025
at least $14.90
Adjusted net earnings per share
· Full Year 2025
at least $16.25
Guided vs delivered
· last 1 settled
Net earnings per share
Full Year 2025
guided at least $14.90
$13.23
Miss −11.2%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+12%
Bullish
Price vs 50-day avg
−6%
Bearish
RSI (14)
35
Neutral
MACD trend
Negative
Bearish
52-week position
73%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $415 › 200d $347 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +520 funds added
Insider flow
Distributing
Net -$205.0K over 90 days · 100% sells
Short interest
Falling
1.68% of float · ▼ -13.0% MoM · 2.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
3,354 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $259
Now $389 · 73%
Range high $436
vs 200-day avg +12%
vs 50-day avg -6%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Operating margin | 7.1% | Three Months Ended June 30, 2026 filing | — |
|
|
|||
| Optum Rx adjusted scripts fulfilled non-GAAP | 387M | the second quarter of 2026 filing | — |
| people served change | 1.6M | second quarter 2026 filing | — |
| Adjusted net earnings per share non-GAAP | $6.38 | second quarter 2026 | — |
| Debt-to-capital ratio | 41.2% | as of June 30, 2026 | — |
| Medical care ratio | 86.7% | second quarter 2026 | — |
|
|
|||
| Operating cost ratio | 12.7% | second quarter 2026 | — |
|
|
|||
| Optum consumers served | 120M | second quarter 2026 | — |
| UnitedHealthcare consumers served | 48.5M | second quarter 2026 | — |
| consumers served | 49.1M | first quarter 2026 | — |
| Days claims payable | 48.6 | first quarter 2026 | — |
| Days sales outstanding | 21.6 | first quarter 2026 | — |
| Optum Health adjusted operating earnings non-GAAP | $1.3B | first quarter 2026 | — |
| Optum operating margin | 5.2% | first quarter 2026 | — |
| adjusted medical care ratio non-GAAP | 88.9% | full year 2025 | — |
| adjusted operating cost ratio non-GAAP | 12.9% | full year 2025 | — |
| adjusted scripts non-GAAP | 1.66B | full year 2025 | — |
| people served growth | 755,000 | full year 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Healthcare Plans — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UNH
this stock
Unitedhealth Group Inc
|
$353.59B | +17.7% | +11.8% | — | 1.7% |
|
CVS
CVS HEALTH Corp
|
$119.95B | +18.0% | +7.8% | 24.8 | 1.5% |
|
ELV
Elevance Health, Inc.
|
$87.01B | +13.7% | +12.5% | 17.8 | 2.6% |
|
CI
Cigna Group
|
$74.37B | +0.8% | +11.2% | 11.7 | 1.8% |
|
HUM
Humana Inc
|
$45.39B | +47.6% | +10.1% | 40.3 | 3.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UNH | -4.2% | -9.9% | +35.6% | -6.2% | +17.7% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -3.8% | -12.8% | +24.0% | -9.2% | +4.9% |
Capital returns
Latest dividend
$2.32
/ share · ex Jun 15, 2026
Declared · upcoming
$2.32
/ share · ex Sep 14, 2026
Paid (TTM)
$8.95
/ share · 4 payouts
Dividend yield (TTM, derived)
2.30%
Buyback program
· as of Dec 31, 2025
Authorized
shares 35.00M
Spent (derived)
shares 14.00M
Remaining
shares 21.00M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.