UnitedHealth Group Incorporated (UNH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
UnitedHealth Group Incorporated stock (UNH) is currently trading at $270.55. UnitedHealth Group Incorporated PE ratio is 20.83. UnitedHealth Group Incorporated PS ratio (Price-to-Sales) is 0.56. Analyst consensus price target for UNH is $361.21. WallStSmart rates UNH as Hold.
UnitedHealth Group Incorporated (UNH) stock price prediction for 2030: Base case $628.39. Bull case $785.48. Bear case $471.29. See full UNH 2030 price forecast and methodology on WallStSmart.
- UNH PE ratio analysis and historical PE chart
- UNH PS ratio (Price-to-Sales) history and trend
- UNH intrinsic value — DCF, Graham Number, EPV models
- UNH stock price prediction 2025 2026 2027 2028 2029 2030
- UNH fair value vs current price
- UNH insider transactions and insider buying
- Is UNH undervalued or overvalued?
- UnitedHealth Group Incorporated financial analysis — revenue, earnings, cash flow
- UNH Piotroski F-Score and Altman Z-Score
- UNH analyst price target and Smart Rating
UnitedHealth Group Incorporated
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UNH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · UnitedHealth Group Incorporated (UNH)
UNH trades 203% above its Graham fair value of $89.96, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
UnitedHealth Group Incorporated (UNH) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, price/sales. Concerns around operating margin and eps growth. Fundamentals are solid but monitor weak areas for improvement.
UnitedHealth Group Incorporated (UNH) Key Strengths (4)
Mega-cap company, among the largest in the world
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
84.24% of shares held by major funds and institutions
Supporting Valuation Data
UnitedHealth Group Incorporated (UNH) Areas to Watch (6)
Earnings declining -99.90%, profits shrinking
Near-zero operating margins, business under pressure
Very thin margins, barely profitable
Moderate profitability with room for improvement
Fairly priced relative to book value
Solid revenue growth at 12.30% per year
UnitedHealth Group Incorporated (UNH) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Market Cap, PEG Ratio, Price/Sales. Valuation metrics including PEG Ratio (0.98), Price/Sales (0.56) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Operating Margin, Profit Margin. Some valuation metrics including Price/Book (2.66) suggest expensive pricing. Growth concerns include Revenue Growth at 12.30%, EPS Growth at -99.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.50%, Operating Margin at 0.34%, Profit Margin at 2.69%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 12.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Market Cap, PEG Ratio) and negatives (EPS Growth, Operating Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UNH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UNH's Price-to-Sales ratio of 0.56x trades 21% below its historical average of 0.71x (33th percentile). The current valuation is 56% below its historical high of 1.26x set in Nov 2018, and 93% above its historical low of 0.29x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for UnitedHealth Group Incorporated (UNH) · HEALTHCARE › HEALTHCARE PLANS
The Big Picture
UnitedHealth Group Incorporated is a mature, profitable business with steady cash generation. Revenue reached 447.6B with 12% growth year-over-year. Profit margins are strong at 269.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1250.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 269.0% and operating margin of 34.0% demonstrate strong pricing power and operational efficiency.
Earnings fell 100% YoY while revenue grew 12%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Dividend sustainability with a current yield of 311.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor HEALTHCARE PLANS industry trends, competitive moves, and regulatory changes that could impact UnitedHealth Group Incorporated.
Bottom Line
UnitedHealth Group Incorporated is a well-established business delivering consistent profitability with 269.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About UnitedHealth Group Incorporated(UNH)
NYSE
HEALTHCARE
HEALTHCARE PLANS
USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.