UnitedHealth Group Incorporated — Healthcare Plans. Scored on the same transparent model behind the daily rankings.
★
UNH
UnitedHealth Group Incorporated · Healthcare Plans
FCF$19.7bA-
Rev+11.8%B
D/E0.69C+
P/E30.3xB
PEG1.26B
62.5Score
$402.19$361.0B
1Y Target$475.23Analyst consensus · 26 analysts
5Y Target$695.79Compound horizon
10Y Target$1,032Long-dated conviction
FCF$19.7bTTM · 03/26A-
FCF $19.7b — top-quartile, exceptional for any sector · TTM computed from 4 most-recent quarters (TTM · 03/26).
Rev+11.8%FY YoYB
Revenue +11.8% — at or above S&P median · Computed from last two annual revenue figures (FY YoY).
D/E0.69C+
D/E 0.69 — above the Healthcare debt median (≈75th pctile)
P/E30.3xB
P/E 30.3 — near the Healthcare median (≈60th pctile)
PEG1.26B
PEG 1.26 — acceptable premium for growth
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 62.5
Quality0.59
Growth0.87
Value0.48
Why this score
Raising its dividend
Entry · Margin of safety
52-week rangeNear 52-week high
13% off the 12-month high
vs DCF fair value29% belowest. fair value ~$570
What the price assumes: free cash flow compounding at ~0% a year for the next decade — vs the ~13% a year our model projects from current growth and analyst estimates.
Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.
Why now
Healthcare Plans · market cap $361.0b. 13% off the 52-week high of $461.62. Revenue growing +12%, comfortably above the S&P median. 26 sell-side analysts rate this a Buy with a mean 1-yr target of $475.23 (implying +18% upside).
Moat
ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 139% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. $361.0b market cap places it among the largest companies in the sector — distribution, R&D, and customer-acquisition costs amortize across a base peers can't replicate.
Risk
Trailing P/E 30x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. Net margin 3.1% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
Horizon
1-3 yr $475.23 (26-analyst consensus) — fundamentals + valuation re-rating. 5 yr $695.79 at ~12% CAGR — compounding case rests on the competitive position widening. 10 yr $1,032 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
UNH vs the Top Picks average
Pillar
UNH
Book avg
Diff
Quality
0.59
0.84
-0.26
Growth
0.87
0.92
-0.05
Value
0.48
0.75
-0.27
Averaged across the 30 names in today's Top Picks (mean score 82.9). A name can beat these averages and still be absent from the book — it also applies concentration limits.
Score history · UNH
Trend
+4.2 over 39 daily scores
From 58.3 (Jun 22) → 62.5 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · UNH
$
%
%
Shares to buy
4
Position size
$1,609
3.2% of portfolio
Stop price
$301.64
25% below $402.19
$ at risk if stopped
$402.19
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
UnitedHealth Group Incorporated (UNH): score, valuation & FAQ
UnitedHealth Group Incorporated (UNH) is a Healthcare Plans company that scores 62.5 out of 100 on the Bull Rankings quality-growth model — a middling 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-). On valuation, UNH sits about 29% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 0% annual free-cash-flow growth over the next decade.
Is UNH a good stock to buy?
Bull Rankings scores UNH 62.5 out of 100 on its quality-growth model, which is a middling reading. That is driven by FCF (A-). 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 62.5 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). UNH earns its highest marks on FCF (A-). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is UNH overvalued or undervalued?
Based on $402.19, UNH sits about 29% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 0% annual free-cash-flow growth over the next decade. It trades at a 30.3x× 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?
Trailing P/E 30x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. Net margin 3.1% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.