UNITEDHEALTH GROUP INC (UNH.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:UNH - US91324P1021 - Common Stock
280.5 EUR
+0.3 (+0.11%)
We assign a fundamental rating of 4 out of 10 to UNH. UNH was compared to 28 industry peers in the Health Care Providers & Services industry. UNH has an average financial health and profitability rating. UNH is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
UNH had positive earnings in the past year.
In the past year UNH had a positive cash flow from operations.
UNH had positive earnings in each of the past 5 years.
Each year in the past 5 years UNH had a positive operating cash flow.
1.2 Ratios
UNH has a better Return On Assets (5.58%) than 82.14% of its industry peers.
UNH's Return On Equity of 18.36% is amongst the best of the industry. UNH outperforms 92.86% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.55%, UNH is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for UNH is above the industry average of 6.91%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 18.36% | ||
| ROIC | 7.55% |
ROA(3y)7.06%
ROA(5y)7.43%
ROE(3y)22.21%
ROE(5y)22.85%
ROIC(3y)10.14%
ROIC(5y)10.16%
1.3 Margins
UNH's Profit Margin of 4.04% is fine compared to the rest of the industry. UNH outperforms 64.29% of its industry peers.
In the last couple of years the Profit Margin of UNH has declined.
UNH has a Operating Margin (6.06%) which is in line with its industry peers.
UNH's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.06% | ||
| PM (TTM) | 4.04% | ||
| GM | N/A |
OM growth 3Y-1.09%
OM growth 5Y-0.16%
PM growth 3Y-15.71%
PM growth 5Y-8.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), UNH is creating some value.
The number of shares outstanding for UNH has been reduced compared to 1 year ago.
UNH has less shares outstanding than it did 5 years ago.
UNH has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.90 indicates that UNH is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of UNH (2.90) is better than 71.43% of its industry peers.
The Debt to FCF ratio of UNH is 4.61, which is a neutral value as it means it would take UNH, 4.61 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UNH (4.61) is better than 82.14% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that UNH is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.76, UNH perfoms like the industry average, outperforming 53.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 4.61 | ||
| Altman-Z | 2.9 |
ROIC/WACC0.87
WACC8.68%
2.3 Liquidity
UNH has a Current Ratio of 0.95. This is a bad value and indicates that UNH is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.95, UNH perfoms like the industry average, outperforming 53.57% of the companies in the same industry.
A Quick Ratio of 0.95 indicates that UNH may have some problems paying its short term obligations.
UNH has a Quick ratio (0.95) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.95 | ||
| Quick Ratio | 0.95 |
3. Growth
3.1 Past
The earnings per share for UNH have decreased strongly by -22.96% in the last year.
UNH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.07% yearly.
The Revenue has grown by 10.48% in the past year. This is quite good.
The Revenue has been growing by 10.57% on average over the past years. This is quite good.
EPS 1Y (TTM)-22.96%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%-59.16%
Revenue 1Y (TTM)10.48%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.24%
3.2 Future
Based on estimates for the next years, UNH will show a small growth in Earnings Per Share. The EPS will grow by 2.72% on average per year.
Based on estimates for the next years, UNH will show a small growth in Revenue. The Revenue will grow by 6.13% on average per year.
EPS Next Y-40.98%
EPS Next 2Y-19.86%
EPS Next 3Y-8.89%
EPS Next 5Y2.72%
Revenue Next Year11.62%
Revenue Next 2Y6.47%
Revenue Next 3Y6.02%
Revenue Next 5Y6.13%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.71 indicates a correct valuation of UNH.
Compared to the rest of the industry, the Price/Earnings ratio of UNH indicates a somewhat cheap valuation: UNH is cheaper than 64.29% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.77. UNH is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 18.40 indicates a rather expensive valuation of UNH.
UNH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. UNH is more expensive than 67.86% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of UNH to the average of the S&P500 Index (23.35), we can say UNH is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.71 | ||
| Fwd PE | 18.4 |
4.2 Price Multiples
UNH's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. UNH is more expensive than 67.86% of the companies in the same industry.
UNH's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.2 | ||
| EV/EBITDA | 11.47 |
4.3 Compensation for Growth
UNH has a very decent profitability rating, which may justify a higher PE ratio.
UNH's earnings are expected to decrease with -8.89% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.2
EPS Next 2Y-19.86%
EPS Next 3Y-8.89%
5. Dividend
5.1 Amount
UNH does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:UNH (12/30/2025, 7:00:00 PM)
280.5
+0.3 (+0.11%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners83.6%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap254.09B
Revenue(TTM)435.16B
Net Income(TTM)17.59B
Analysts74.55
Price Target351.08 (25.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend6.95
Dividend Growth(5Y)14.73%
DP44.61%
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.22%
Min EPS beat(2)-9.92%
Max EPS beat(2)3.48%
EPS beat(4)2
Avg EPS beat(4)-2.08%
Min EPS beat(4)-9.92%
Max EPS beat(4)3.48%
EPS beat(8)6
Avg EPS beat(8)0.38%
EPS beat(12)10
Avg EPS beat(12)0.9%
EPS beat(16)14
Avg EPS beat(16)1.67%
Revenue beat(2)0
Avg Revenue beat(2)-0.91%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)-0.91%
Revenue beat(4)0
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)-0.91%
Revenue beat(8)2
Avg Revenue beat(8)-0.68%
Revenue beat(12)5
Avg Revenue beat(12)-0.31%
Revenue beat(16)7
Avg Revenue beat(16)-0.21%
PT rev (1m)2.3%
PT rev (3m)18.24%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)1.16%
EPS NY rev (1m)0.24%
EPS NY rev (3m)0.58%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.71 | ||
| Fwd PE | 18.4 | ||
| P/S | 0.69 | ||
| P/FCF | 17.2 | ||
| P/OCF | 14.26 | ||
| P/B | 3.12 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.47 |
EPS(TTM)17.86
EY6.37%
EPS(NY)15.24
Fwd EY5.43%
FCF(TTM)16.3
FCFY5.81%
OCF(TTM)19.67
OCFY7.01%
SpS408.29
BVpS89.87
TBVpS-35.03
PEG (NY)N/A
PEG (5Y)1.2
Graham Number190.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 18.36% | ||
| ROCE | 9.71% | ||
| ROIC | 7.55% | ||
| ROICexc | 8.39% | ||
| ROICexgc | 23.23% | ||
| OM | 6.06% | ||
| PM (TTM) | 4.04% | ||
| GM | N/A | ||
| FCFM | 3.99% |
ROA(3y)7.06%
ROA(5y)7.43%
ROE(3y)22.21%
ROE(5y)22.85%
ROIC(3y)10.14%
ROIC(5y)10.16%
ROICexc(3y)11.32%
ROICexc(5y)11.36%
ROICexgc(3y)32.46%
ROICexgc(5y)32.01%
ROCE(3y)13.1%
ROCE(5y)13.1%
ROICexgc growth 3Y-2.11%
ROICexgc growth 5Y-0.12%
ROICexc growth 3Y-2.38%
ROICexc growth 5Y-0.43%
OM growth 3Y-1.09%
OM growth 5Y-0.16%
PM growth 3Y-15.71%
PM growth 5Y-8.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover1.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 4.61 | ||
| Debt/EBITDA | 2.36 | ||
| Cap/Depr | 83.69% | ||
| Cap/Sales | 0.82% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 68.42% | ||
| Profit Quality | 98.8% | ||
| Current Ratio | 0.95 | ||
| Quick Ratio | 0.95 | ||
| Altman-Z | 2.9 |
F-Score9
WACC8.68%
ROIC/WACC0.87
Cap/Depr(3y)84.34%
Cap/Depr(5y)80.61%
Cap/Sales(3y)0.88%
Cap/Sales(5y)0.86%
Profit Quality(3y)124.43%
Profit Quality(5y)123.8%
High Growth Momentum
Growth
EPS 1Y (TTM)-22.96%
EPS 3Y13.67%
EPS 5Y13.07%
EPS Q2Q%-59.16%
EPS Next Y-40.98%
EPS Next 2Y-19.86%
EPS Next 3Y-8.89%
EPS Next 5Y2.72%
Revenue 1Y (TTM)10.48%
Revenue growth 3Y11.65%
Revenue growth 5Y10.57%
Sales Q2Q%12.24%
Revenue Next Year11.62%
Revenue Next 2Y6.47%
Revenue Next 3Y6.02%
Revenue Next 5Y6.13%
EBIT growth 1Y-18.15%
EBIT growth 3Y10.44%
EBIT growth 5Y10.4%
EBIT Next Year-24.8%
EBIT Next 3Y-3.54%
EBIT Next 5Y4.13%
FCF growth 1Y-34.26%
FCF growth 3Y0.99%
FCF growth 5Y4.56%
OCF growth 1Y-29.48%
OCF growth 3Y2.39%
OCF growth 5Y5.37%
UNITEDHEALTH GROUP INC / UNH.DE FAQ
Can you provide the ChartMill fundamental rating for UNITEDHEALTH GROUP INC?
ChartMill assigns a fundamental rating of 4 / 10 to UNH.DE.
What is the valuation status for UNH stock?
ChartMill assigns a valuation rating of 3 / 10 to UNITEDHEALTH GROUP INC (UNH.DE). This can be considered as Overvalued.
Can you provide the profitability details for UNITEDHEALTH GROUP INC?
UNITEDHEALTH GROUP INC (UNH.DE) has a profitability rating of 6 / 10.
What is the valuation of UNITEDHEALTH GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for UNITEDHEALTH GROUP INC (UNH.DE) is 15.71 and the Price/Book (PB) ratio is 3.12.
What is the financial health of UNITEDHEALTH GROUP INC (UNH.DE) stock?
The financial health rating of UNITEDHEALTH GROUP INC (UNH.DE) is 5 / 10.