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UNITEDHEALTH GROUP INC (UNH) USD

At a glance: strengths & risks
✓Revenue growing (+12%)✗Profit falling (-16%)✗Margins compressing (9%→5%)

Sector: Health care

US_UNH

Price chart

423.56 USDDay -1.80%

Key metrics

Net debt (table and EV/EBITDA): |short-term borrowings| + |long-term borrowings| + |other financial liabilities| when extracted + |non-controlling interest| when extracted − |cash and equivalents|; amounts in millions of the reporting currency.

Market

Price
423.56 USD · -1.80%
Market cap
383.7 bn USD

Growth

Δ revenue y/y
0.4%
Δ EBITDA y/y
28.2%

Multiples

P/E (LTM)
27.2x
3y avg: 26.0x
P/B (FY)
3.8x
P/E (ann.)
17.5x
EV/EBITDA (LTM)
17.3x
3y avg: 14.4x
EV/EBITDA (ann.)
13.5x

Cash return

Dividend yield
2.1%
FCF yield (LTM)
2.1%

Value creation

fundamental value/yr, % of market cap
Value created / year
+22.2%
↓ details

Liquidity

Daily turnover (US listing)
2.1 bln USD

Shares: yahoo_fundamentals_timeseries/UNH

Financial results

Monetary columns are in B USD, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.

DatePeriodStatusRevenueB USDOperating profitB USDD&AB USDEBITDAB USDNet profitB USDOperating CFB USDCapex + M&AB USDAssetsB USDEquityB USDROE (annualized)Net debtB USDSource
2026-06-30Q2 2026 (3M)PARTIAL112.0
y/y 0.4%
8.0
y/y 55.2%
—
y/y —
8.0
y/y 28.2%
5.5
y/y 61.0%
———
y/y —
—
y/y —
———
2026-03-31Q1 2026 (3M)OK111.7
y/y 2.0%
9.0
y/y -1.4%
1.0
y/y -3.0%
10.0
y/y -1.6%
6.3
y/y -0.2%
8.9-0.8312.6
y/y 0.9%
103.9
y/y 3.1%
24.6%46.7Link
2025-12-31Q4 2025 (3M)OK113.2
y/y 12.3%
0.4
y/y -95.1%
1.1
y/y 7.3%
1.5
y/y -83.0%
0.0
y/y -99.8%
1.1-1.0309.6
y/y 3.8%
100.1
y/y 1.9%
12.0%50.3Link
2025-09-30Q3 2025 (3M)OK113.2
y/y 12.2%
4.3
y/y -50.4%
1.1
y/y 5.6%
5.4
y/y -44.5%
2.3
y/y -61.2%
5.9-4.6315.3
y/y 5.3%
101.6
y/y 1.7%
3.1%49.5Link
2025-06-30Q2 2025 (3M)OK111.6
y/y 12.9%
5.2
y/y -34.6%
1.1
y/y 6.3%
6.2
y/y -29.9%
3.4
y/y -19.2%
7.2-0.9308.6
y/y 7.9%
100.5
y/y 6.1%
13.5%47.2Link
2025-03-31Q1 2025 (3M)OK109.6
y/y 9.8%
9.1
y/y 15.0%
1.1
y/y 6.4%
10.2
y/y 14.0%
6.3
y/y —
5.5-1.6309.8
y/y 9.0%
100.8
y/y 9.1%
25.3%47.0Link
2024-12-31Q4 2024 (3M)OK100.8
y/y 6.8%
7.8
y/y 1.1%
1.0
y/y 6.9%
8.8
y/y 1.7%
5.5
y/y 1.6%
2.4-2.6298.3
y/y 9.0%
98.3
y/y 4.1%
14.5%47.8Link
2024-09-30Q3 2024 (3M)OK100.8
y/y 9.2%
8.7
y/y 2.1%
1.0
y/y 3.4%
9.7
y/y 2.3%
6.1
y/y 3.7%
13.9-9.6299.3
y/y 6.1%
99.9
y/y 11.5%
8.3%40.9Link
2024-06-30Q2 2024 (3M)OK98.9
y/y 6.4%
7.9
y/y -2.3%
1.0
y/y -0.1%
8.9
y/y -2.0%
4.2
y/y -23.0%
6.7-0.9286.1
y/y 2.1%
94.7
y/y 8.4%
18.0%43.8Link
2024-03-31Q1 2024 (3M)OK99.8
y/y 8.6%
7.9
y/y -1.9%
1.0
y/y 2.8%
8.9
y/y -1.4%
-1.4
y/y -125.1%
1.1-3.7284.2
y/y 0.2%
92.4
y/y 7.6%
-6.0%40.9Link
2023-12-31Q4 2023 (3M)OK94.4
y/y —
7.7
y/y —
1.0
y/y —
8.7
y/y —
5.5
y/y —
-5.2-2.7273.7
y/y —
94.4
y/y —
24.3%32.9Link
2023-09-30Q3 2023 (3M)OK92.4
y/y —
8.5
y/y —
1.0
y/y —
9.5
y/y —
5.8
y/y —
6.9-1.1282.1
y/y —
89.6
y/y —
8.8%19.3Link
2023-06-30Q2 2023 (3M)OK92.9
y/y —
8.1
y/y —
1.0
y/y —
9.1
y/y —
5.5
y/y —
11.0-1.2280.2
y/y —
87.4
y/y —
25.3%19.3Link
2023-03-31Q1 2023 (3M)OK91.9
y/y —
8.1
y/y —
1.0
y/y —
9.1
y/y —
5.6
y/y —
16.3-8.6283.7
y/y —
85.8
y/y —
—24.1Link

Revenue & EBITDA

RevenueEBITDA

Quarterly values ($ mln)

025 00050 00075 000100 000125 0002024 q12024 q22024 q32024 q42025 q12025 q22025 q32025 q42026 q12026 q2

Year-over-year change

-100%-50%0%50%2024 q12024 q22024 q32024 q42025 q12025 q22025 q32025 q42026 q12026 q2

Cash flow

FCF ($ mln)

-10 000-5 00005 00010 0002024 q12024 q22024 q32024 q42025 q12025 q22025 q32025 q42026 q12026 q2

Net debt / cash ($ mln)

020 00040 00060 0002024 q12024 q22024 q32024 q42025 q12025 q22025 q32025 q42026 q12026 q2

Fundamental value creation

Value the company creates per year, as a % of market cap

Value created per year: +22.1%

How this was calculated
1. EBITDA growth (latest quarter YoY, annualised)
[EBITDA latest qtr − EBITDA year-ago qtr] × annualisation X (2026-06-30 vs 2025-06-30)
= (7 991 − 6 234) × 3.12
5 479
2. Current EV/EBITDA (LTM)
(Market cap + Net debt) ÷ EBITDA (LTM)
= (383 677 + 46 688) ÷ 24 921
17.3x
3. Target multiple
(Current EV/EBITDA + 12) ÷ 2
= (17.3 + 12) ÷ 2
14.6x
4. Cash flow (balance method, LTM)
Net-debt reduction + dividends + buybacks − equity issuance
= 485 + 4 007 + 0 − 453
4 492
5. Value created per year
(EBITDA growth × Target multiple + Cash flow − Dilution) ÷ Market cap
= (5 479 × 14.6 + 4 492) ÷ 383 677
+22.1%

Amounts in millions of the reporting currency. EBITDA growth is the latest quarter vs the same quarter a year ago, annualised.

Caveats:

  • FCF (LTM) approximated by latest FY
  • equity issuance measured by share-count dilution at market, not the cash line

Revenue growth & acceleration

Growth accelerating ▲
Last-year revenue growth +12% vs +8% the year before — a +4.1 pp move. 3-year CAGR +11%.
revenue growth by year: 2023 +15% · 2024 +8% · 2025 +12%
The growth-acceleration signal behind the GARP+acceleration strategy — it favours companies whose revenue growth is speeding up and flags those slowing down (the second derivative of growth).

EV/EBITDA — daily history

Current 17.6x · 3-year average 15.6x

EV/EBITDA3-year 75th pct

Dividends

Paid (completed)

DatePer shareDetailsStatusSource
2026-06-152.32 USDEx-dividend: 2.32 USD per sharePaidYahoo Finance (ex-div)
2026-03-092.21 USDEx-dividend: 2.21 USD per sharePaidYahoo Finance (ex-div)
2025-12-082.21 USDEx-dividend: 2.21 USD per sharePaidYahoo Finance (ex-div)
2025-09-152.21 USDEx-dividend: 2.21 USD per sharePaidYahoo Finance (ex-div)
2025-06-162.21 USDEx-dividend: 2.21 USD per sharePaidYahoo Finance (ex-div)
2025-03-102.1 USDEx-dividend: 2.1 USD per sharePaidYahoo Finance (ex-div)
2024-12-092.1 USDEx-dividend: 2.1 USD per sharePaidYahoo Finance (ex-div)
2024-09-162.1 USDEx-dividend: 2.1 USD per sharePaidYahoo Finance (ex-div)
2024-06-172.1 USDEx-dividend: 2.1 USD per sharePaidYahoo Finance (ex-div)
2024-03-081.88 USDEx-dividend: 1.88 USD per sharePaidYahoo Finance (ex-div)
2023-12-011.88 USDEx-dividend: 1.88 USD per sharePaidYahoo Finance (ex-div)
2023-09-081.88 USDEx-dividend: 1.88 USD per sharePaidYahoo Finance (ex-div)
2023-06-151.88 USDEx-dividend: 1.88 USD per sharePaidYahoo Finance (ex-div)
2023-03-101.65 USDEx-dividend: 1.65 USD per sharePaidYahoo Finance (ex-div)
2022-12-021.65 USDEx-dividend: 1.65 USD per sharePaidYahoo Finance (ex-div)
2022-09-091.65 USDEx-dividend: 1.65 USD per sharePaidYahoo Finance (ex-div)
2022-06-161.65 USDEx-dividend: 1.65 USD per sharePaidYahoo Finance (ex-div)
2022-03-111.45 USDEx-dividend: 1.45 USD per sharePaidYahoo Finance (ex-div)
2021-12-031.45 USDEx-dividend: 1.45 USD per sharePaidYahoo Finance (ex-div)
2021-09-101.45 USDEx-dividend: 1.45 USD per sharePaidYahoo Finance (ex-div)

KASE: status follows wording in the news headline (paid vs intends to pay). Yahoo: amounts are cash dividends per share on ex-dividend dates (UTC calendar date). stockscope.uz (UZ): amounts are per share in UZS by publication date (not necessarily ex-div).

Reporting forms detected in loaded periods: ✓ ✓ ✓ (Balance sheet / Profit or loss (P&L) / Cash flows)

Financial results, valuation multiples (P/E, P/B, EV/EBITDA), profitability and dividend yield of UNITEDHEALTH GROUP INC (UNH) — from primary filings.

UnitedHealthcare insurance plus Optum services—care delivery, pharmacy benefits, and analytics.

Frequently asked questions

What is UNITEDHEALTH GROUP INC (UNH)'s P/E ratio?
UNITEDHEALTH GROUP INC (UNH) trades at a P/E of 27.2x (price to trailing 12-month earnings).
What is UNITEDHEALTH GROUP INC (UNH)'s EV/EBITDA?
UNITEDHEALTH GROUP INC (UNH) trades at 17.3x EV/EBITDA.
What is UNITEDHEALTH GROUP INC (UNH)'s P/B ratio?
UNITEDHEALTH GROUP INC (UNH) trades at a P/B of 3.8x.
What is UNITEDHEALTH GROUP INC (UNH)'s dividend yield?
UNITEDHEALTH GROUP INC (UNH)'s trailing 12-month dividend yield is 2.1%.
What is UNITEDHEALTH GROUP INC (UNH)'s return on equity (ROE)?
UNITEDHEALTH GROUP INC (UNH)'s ROE is 24.4%.
What is UNITEDHEALTH GROUP INC (UNH)'s market capitalization?
UNITEDHEALTH GROUP INC (UNH)'s market cap is 383.7 bn USD.