UNH vs the Top Picks average
| Pillar | UNH | Book avg | Diff |
|---|---|---|---|
| Quality | 62 | 83 | -21 |
| Growth | 84 | 89 | -5 |
| Value | 55 | 76 | -21 |
Average of today's Top 30 (mean score 82.6); size and sector limits also decide the book.
One point per daily run; read From → To for the actual range.
UNH at a glance
Same audited fundamentals as the score, unless a card says otherwise.
Analyst estimate revisions
| 30-day change | +0.8% |
|---|---|
| 90-day change | +7.8% |
| Forward EPS estimate | $22.61 |
Over the last 90 days, what analysts expect UNH to earn is materially higher (+7.8%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →
Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.
UnitedHealth Group Incorporated (UNH): score, valuation & FAQ
UnitedHealth Group Incorporated (UNH) is a Healthcare Plans company that scores 65.9 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are FCF (A), P/E (B+) and PEG (B+). On valuation, UNH sits about 43% below our discounted-cash-flow fair value (a margin of safety) — the current price implies free cash flow shrinking about 5% next year, then recovering toward 4% a year by year ten.
Is UNH a good stock to buy?
Bull Rankings scores UNH 65.9 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by FCF (A), P/E (B+) and PEG (B+). A score is a quantitative screen of UnitedHealth Group Incorporated's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does UNH score 65.9 on Bull Rankings?
The score leans on growth at 83.9 out of 100, with value the weakest pillar at 54.6 — the three combine geometrically, so a weak one cannot be papered over by a strong one. UNH earns its highest marks on FCF (A), P/E (B+) and PEG (B+). Each signal is graded against sector-aware thresholds rather than one absolute bar, so UNH is measured against Healthcare Plans peers, not against the market as a whole.
Is UNH overvalued or undervalued?
Based on $379.30, UNH sits about 43% below our discounted-cash-flow fair value (a margin of safety) — the current price implies free cash flow shrinking about 5% next year, then recovering toward 4% a year by year ten. It trades at a 23.9x P/E (graded B+). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in UNH?
Net margin 3.1% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
New to these metrics? See the guides and the methodology.