UNITEDHEALTH GROUP INC UNH
UNITEDHEALTH GROUP INC (UNH) earns a Piotroski F-score of 6/9 (mixed financial health), with an Altman Z″ in the grey zone. It pays a dividend yielding 2.14% (safety: stretched). FY2025 revenue was $447.6B at a 2.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.58 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-21 | JP Morgan | Overweight (main) |
| 2026-07-21 | Mizuho | Outperform (main) |
| 2026-07-20 | Barclays | Overweight (main) |
| 2026-07-17 | Morgan Stanley | Overweight (main) |
| 2026-07-17 | Keybanc | Overweight (main) |
| 2026-07-17 | Oppenheimer | Outperform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · grey zone
| Component | Value |
|---|---|
| Working capital / assets | -0.079 |
| Retained earnings / assets | 0.309 |
| EBIT / assets | 0.061 |
| Equity / liabilities | 0.481 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UNH | UNITEDHEALTH GROUP INC | 6/9 | 1.41 | 30.6 | +11.8% |
| CI | Cigna Group | 7/9 | 1.4 | 12.6 | +11.2% |
| ELV | Elevance Health, Inc. | 6/9 | 3.13 | 15.2 | +12.5% |
| CNC | CENTENE CORP | 4/9 | 0.38 | — | +19.4% |
| HUM | HUMANA INC | 5/9 | 5.1 | 38.8 | +10.1% |
| MOH | MOLINA HEALTHCARE, INC. | 4/9 | 3.6 | 25.4 | +11.7% |
| OSCR | Oscar Health, Inc. | 4/9 | -2.18 | — | +27.5% |
All Finance, Insurance & Real Estate companies →
About UNITEDHEALTH GROUP INC
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. It operates through four segments: Optum Health, Optum Insight, Optum Rx; and UnitedHealthcare. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services with patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, public entities, life sciences companies and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community health care programs. and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
FAQ
Is UNH financially healthy?
UNITEDHEALTH GROUP INC's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the grey zone.
Does UNH pay a dividend, and is it safe?
Yes. UNITEDHEALTH GROUP INC pays a dividend yielding about 2.14% with a 65.7% payout ratio, rated “stretched” for safety.
How profitable is UNH?
In FY2025, UNITEDHEALTH GROUP INC had a net margin of 2.7% and a return on equity of 12.0%.
Is UNH overvalued or undervalued?
UNITEDHEALTH GROUP INC trades at about 30.7× trailing earnings — above its 10-year norm (10-year range 19.0×–35.0×, median 22.2×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for UNH?
The average Wall-Street price target for UNITEDHEALTH GROUP INC is $475.23, about 17.2% above the recent price, from 26 analysts (consensus: buy).
Is UNH a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UNITEDHEALTH GROUP INC: a Piotroski F-score of 6/9, an Altman Z″ in the grey zone, a P/E of about 30.6×, a dividend yield of 2.14%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.