UNH · Unitedhealth Group Inc
$403.91
-8.84 (-2.14%)
At close · Aug 6
Market Cap
$374.84B
Shares
908.14M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$412.75
Open$403.19
Day$397.80–416.36
52W$233.25–461.62
Avg vol 30d5.7M
Short int17.3M · 1.9% float · 3.5d
Short vol36%
Last earningsJul 16, 2026
DataJan 2020–Aug 2026
Filing10-Q · May 5
Up next
Next earnings call
Oct 13, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 5, 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
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Fair
Quant / Vol
Moderate
Market backdrop
VIX 15.2 · calm
Equity put/call 0.60
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+19%
above
Price vs 50-day avg
+0%
above
RSI (14)
47
neutral
MACD trend
Negative
52-week position
79%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+50%
trailing
YTD return
+27%
this year
Relative strength
+39%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $412 › 200d $345 — 50d above 200d
Institutional flow
Accumulating
1,919 of 3,044 funds reported for Jun 30 · net +4.4M sh shares · +289 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.91% of float · ▼ -5.8% MoM · 3.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
3,044 holders — near 3-yr low, contrarian setup
Squeeze score
49
elevated · 0–100
Fundamentals
Revenue growth
+12%
Y/Y
EPS growth
−15%
Y/Y
Free cash flow
$16.1B
Valuation
P/E 31.1
in line
Balance sheet
$54.0B
net debt
Quant / Vol
risk profile
Volatility
38%
annualized · 1-yr
Max drawdown
−29%
past year
ATR
2.9%
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
Initiated
at least $12,000
Optum Health Operating Earnings
· Full Year 2026
Initiated
at least $2,275
Optum Insight Operating Earnings
· Full Year 2026
Initiated
at least $4,925
Optum Operating Earnings
· Full Year 2026
Initiated
at least $13,450
Optum Rx Operating Earnings
· Full Year 2026
Initiated
at least $6,250
UnitedHealth Group Operating Earnings
· Full Year 2026
Initiated
at least $25,450
Medical Care Ratio
· Full Year 2026
Initiated
88.1%
Tax Rate
· Full Year 2026
Initiated
18.5%
Cash Flows from Operations
· Full Year 2026
Initiated
$24,000
Share Repurchase
· Full Year 2026
Initiated
at least $5,000
Net Earnings to UNH Shareholders
· Full Year 2026
Initiated
at least $16,750
Diluted Net Earnings per Share
· Full Year 2026
Initiated
$18.45 – $18.95
prior FY $13.23
midpoint +41.3% Y/Y
Adjusted Net Earnings per Share
· Full Year 2026
Initiated
$19.50 – $20.00
Guided vs delivered
· last 1 settled
Business disruption impacts related to the cyberattack
full year
guided $0.60 – $0.70
$15.51
Beat +2286.2%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+19%
Bullish
Price vs 50-day avg
+0%
Bullish
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
79%
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $412 › 200d $345 — 50d above 200d
Institutional flow
Accumulating
1,919 of 3,044 funds reported for Jun 30 · net +4.4M sh shares · +289 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.91% of float · ▼ -5.8% MoM · 3.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
3,044 holders — near 3-yr low, contrarian setup
Price context
position in its 52-week range
52-wk low $233
Now $413 · 79%
52-wk high $462
vs 200-day avg +19%
vs 50-day avg +0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted net earnings per share non-GAAP | $6.38 | second quarter 2026 | — |
| Debt-to-capital ratio | 41.2% | as of June 30, 2026 | -6.2% |
|
|
|||
| Medical care ratio | 86.7% | second quarter 2026 | — |
|
|
|||
| Operating cost ratio | 12.7% | second quarter 2026 | — |
|
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| 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 | — |
| Operating Margin | 6.6% | 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 change | 415,000 | full year 2025 | — |
| people served growth | 755,000 | full year 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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
|
$374.84B | +26.7% | +11.8% | 31.1 | 1.9% |
|
CVS
CVS HEALTH Corp
|
$123.06B | +24.1% | +10.9% | 25.4 | 1.5% |
|
ELV
Elevance Health, Inc.
|
$84.88B | +12.8% | +9.4% | 17.3 | 2.8% |
|
CI
Cigna Group
|
$72.73B | +1.1% | +11.2% | 11.4 | 2.3% |
|
HUM
Humana Inc
|
$44.09B | +43.1% | +10.1% | 39.2 | 3.5% |
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 | -1.9% | -3.0% | +50.0% | -0.4% | +26.7% |
| SPY | +5.5% | +3.3% | +11.3% | +3.1% | +12.9% |
| vs SPY | -7.4% | -6.3% | +38.7% | -3.5% | +13.8% |
Capital returns
Latest dividend
$2.32
/ share · ex Jun 15, 2026
Paid (TTM)
$8.95
/ share · 4 payouts
Dividend yield (TTM, derived)
2.17%
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.