UNH · Unitedhealth Group Inc
$396.59
-2.17 (-0.54%)
At close · Aug 25
Market Cap
$357.92B
Shares
897.59M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$396.59
Open$397.80
Day$395.62–399.03
52W close$259.02–436.35
Avg vol 30d5.0M
Short int15.5M · 1.7% float · 3.8d
Short vol48%
Last earningsJul 16, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Oct 13, 2026
Est · unconfirmed
· in 7 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 15.5 · calm
Equity put/call 0.57
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+14%
above
Price vs 50-day avg
−4%
below
RSI (14)
44
neutral
MACD trend
Negative
52-week position
78%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−8%
trailing
6-month return
+36%
trailing
YTD return
+20%
this year
Relative strength
+24%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $413 › 200d $349 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +520 funds added
Insider flow
Distributing
Net -$660.9K over 90 days · 100% sells
Short interest
Rising
1.72% of float · ▲ +2.5% MoM · 3.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
3,359 holders — mid 3-yr range
Squeeze score
46
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
2.4%
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
2026 Full Year
Medical Care Ratio
Initiated
88.1%
Tax Rate
Initiated
18.5%
Adjusted Net Earnings per Share
Initiated
$19.50 – $20.00
UnitedHealthcare Operating Earnings
Initiated
at least $12,000
UnitedHealth Group Operating Earnings
Initiated
at least $25,450
Optum Operating Earnings
Initiated
at least $13,450
Projected Year Ended December 31, 2026
Diluted Earnings Per Share
Initiated
$18.45 – $18.95
prior FY $13.23
midpoint +41.3% Y/Y
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
+14%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
78%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $413 › 200d $349 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +520 funds added
Insider flow
Distributing
Net -$660.9K over 90 days · 100% sells
Short interest
Rising
1.72% of float · ▲ +2.5% MoM · 3.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
3,359 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $259
Now $397 · 78%
Range high $436
vs 200-day avg +14%
vs 50-day avg -4%
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 earnings from operations non-GAAP | $16.94B | Six Months Ended June 30, 2026 | — |
| Adjusted earnings per share attributable to UnitedHealth Group common shareholders non-GAAP | $13.61 | Six Months Ended June 30, 2026 | — |
| Adjusted net earnings attributable to UnitedHealth Group common shareholders non-GAAP | $12.37B | Six Months Ended June 30, 2026 | — |
| Adjusted operating margin non-GAAP | 7.6% | Six Months Ended June 30, 2026 | — |
| adjusted scripts non-GAAP | 387M | second quarter 2026 | — |
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| Commercial: Fee-based | 22.27M | June 30, 2026 | — |
| Commercial: Risk-based | 7.66M | June 30, 2026 | — |
| Days claims payable | 47 | second quarter 2026 | — |
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| Days sales outstanding | 17.7 | second quarter 2026 | — |
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| Debt-to-capital ratio | 41.2% | as of June 30, 2026 | — |
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| Diluted weighted-average common shares outstanding | 908 | Six Months Ended June 30, 2026 | — |
| Medicaid | 6.78M | June 30, 2026 | — |
| medical care ratio | 86.7% | second quarter 2026 | — |
| Medicare Advantage | 7.57M | June 30, 2026 | — |
| Medicare Part D stand-alone | 2.71M | June 30, 2026 | — |
| Medicare Supplement (Standardized) | 4.26M | June 30, 2026 | — |
| operating cost ratio | 12.7% | second quarter 2026 | — |
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| Operating margin (Optum Health) | 5.1% | second quarter 2026 | — |
| Operating margin (UnitedHealthcare) | 4.6% | second quarter 2026 | — |
| people served | 48.5M | second quarter 2026 | — |
| people served change (Community & State) | 380,000 | second quarter 2026 | — |
| people served change (Employer & Individual) | 145,000 | second quarter 2026 | — |
| people served change (Medicare Advantage seniors) | 965,000 | second quarter 2026 | — |
| people served change (Optum Health value-based-care patients) | 700,000 | second quarter 2026 | — |
| people served change (UnitedHealthcare) | 525,000 | second quarter 2026 | — |
| South American businesses held for sale | 1.15M | June 30, 2026 | — |
| Total Commercial | 29.92M | June 30, 2026 | — |
| Total Community and Senior | 18.61M | June 30, 2026 | — |
| Total UnitedHealthcare - Medical | 48.53M | June 30, 2026 | — |
| Adjusted Earnings Margin non-GAAP | 5.1% | First Quarter 2026 | — |
| adjusted net earnings non-GAAP | $7.23 | first quarter 2026 | — |
| Adjusted revenues non-GAAP | $111.65B | Three Months Ended March 31, 2026 | — |
| Optum Health Consumers Served | 93M | Q1 FY2026 | — |
| UnitedHealthcare Community & State people served change | 220,000 | first quarter 2026 | — |
| UnitedHealthcare Customer Profile | 49.05M | March 31, 2026 | — |
| UnitedHealthcare Medicare Advantage seniors served change | 965,000 | first quarter 2026 | — |
| UnitedHealthcare people served change | 415,000 | 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 | — |
| consumers served | 49.8M | 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
|
$357.92B | +20.1% | +11.8% | — | 1.7% |
|
CVS
CVS HEALTH Corp
|
$118.82B | +17.1% | +7.8% | 24.5 | 1.3% |
|
ELV
Elevance Health, Inc.
|
$86.50B | +13.8% | +12.5% | 17.7 | 2.5% |
|
CI
Cigna Group
|
$73.81B | +1.5% | +11.2% | 11.6 | 2.0% |
|
HUM
Humana Inc
|
$45.49B | +52.2% | +10.1% | 40.4 | 2.8% |
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 | +0.7% | -7.5% | +35.8% | -4.3% | +20.1% |
| SPY | -0.2% | +3.4% | +11.8% | +2.5% | +12.3% |
| vs SPY | +0.9% | -10.9% | +24.1% | -6.8% | +7.8% |
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)
2.26%
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.