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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3120
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$312.7B
Sir Andrew Philip Witty
UnitedHealth Group Incorporated operates as a diversified health care company in the United States. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities.
Headcount
400.0K
HQ Base
Minneapolis, Minnesota
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = UNH ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$UNH UNITEDHEALTH GROUP INC | 43 | 67 | 57 | 16 | 13.9x | 8.3x | 18.6% | 6.0% | 88.5% | 6.3% | 4.4% | 14.5% | 2.5% | 206.0x | $312.7B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
UNITEDHEALTH GROUP INC (UNH) receives a "Reduce" rating with a composite score of 43.0/100. It ranks #3120 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Fair valuation relative to peers
High profitability & efficiency — strong quality floor supports entry
High volatility — wider range of outcomes increases timing risk
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for UNH.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 67 | 90 | -23DRAG |
| MOMENTUM | 16 | 9 | +7ALPHA |
| VALUATION | 57 | 78 | -21DRAG |
| INVESTMENT | 38 | 71 | -33DRAG |
| STABILITY | 31 | 24 | +7ALPHA |
| SHORT INT | 62 | 76 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 6.5% vs WACC 7.7% (spread -1.2%)
GM 89% vs sector 78%, OM 6% vs sector 18%
Capital turnover 2.14x
Rev growth 14%, 10yr history
Interest coverage 4.3x, Net debt/EBITDA 9.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate UNITEDHEALTH GROUP INC (UNH) as a Reduce with a composite score of 43.0/100 at a current price of $273.55. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
UNITEDHEALTH GROUP INC holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 43.0/100 places it at rank #3120 in our full universe.
Narrow
High
Poor
Fair Value
Gross margins of 89% signal strong pricing power.
Returns on equity of 18.6% exceed cost of capital.
Stable competitive position in a defensive sector.
Leverage of 206% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Vulnerability to macroeconomic shocks and interest rate volatility.
UNITEDHEALTH GROUP INC represents a reduce based on multi-factor quantitative performance.
UNITEDHEALTH GROUP INC receives a Reduce rating from our analysis, with a composite score of 43.0/100 and 2 out of 5 stars, ranking #3120 out of 7,333 stocks. UNH's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
UNH earns a quality score of 67/100, indicating above-average business quality. The company reports a return on equity of 18.6% (sector avg: 9.0%), gross margins of 88.5% (sector avg: 77.7%), net margins of 4.4% (sector avg: 21.9%). Companies in this tier generally demonstrate consistent profitability and efficient capital deployment, though they may face some competitive pressure.
UNH's value score of 57/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 13.94x, an EV/EBITDA of 8.32x, a P/B ratio of 2.59x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
UNITEDHEALTH GROUP INC's investment score of 38/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 14.5% vs. a sector average of 10.7% and a return on assets of 6.0% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
UNITEDHEALTH GROUP INC is experiencing notably weak momentum with a score of just 16/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth stands at 14.5% year-over-year, while a beta of 0.27 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
UNH's stability score of 31/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 0.27 and a debt-to-equity ratio of 206.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
UNH carries a short interest score of 62/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 206.00x). At $312.7B market cap (mega-cap), UNITEDHEALTH GROUP INC offers reasonable institutional liquidity.
UNH pays a solid dividend yield of 2.5%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
UNITEDHEALTH GROUP INC is a mega-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3120 of 7,333 overall (57th percentile). Key comparisons include ROE of 18.6% exceeding the 9.0% sector median and operating margins of 6.3% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While UNH currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Momentum (16) would have the largest impact on the composite score.
EV/EBITDA 7% ABOVE SECTOR MEDIAN
ROE 106% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 14% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
Hinge Health, a mid-cap healthcare stock focused on virtual musculoskeletal therapy, is gaining traction with insurers as a cost-reduction solution amid rising U.S. healthcare costs. The company reported 46% revenue growth and 23% EPS growth, exceeding estimates, with a study showing 56% lower spinal fusion surgery rates among its users. However, the stock faces headwinds from high stock-based compensation and projected revenue growth deceleration to 25% in 2026.
The cuts aim to make the drugs more accessible to insured patients, particularly people with high-deductible health plans or co-insurance benefit designs.
UnitedHealth Group faced significant headwinds in 2025 including leadership changes, government probes, and rising healthcare costs. The company is focusing on recovery and execution in 2026. However, a new challenge emerged with the Trump administration's proposal to hold Medicare Advantage payment rates flat in 2027, which could impact profitability. Despite this, analysts note that Medicare is only part of UnitedHealth's business, and long-term prospects remain potentially bright.
The article analyzes three Berkshire Hathaway holdings: DaVita and Kraft Heinz are recommended as strong buys due to positive earnings surprises and undervaluation, while UnitedHealth Group should be avoided despite recent dips, as it trades at a premium valuation with a deteriorating growth story amid lower Medicare Advantage payment increases.