UnitedHealth Group Inc

$ 249.34 -0.6 (-0.24%)
Volume: 4,035,574 Avg Vol (1m): 6,079,410
Market Cap $: 236.96 Bil Enterprise Value $: 262.31 Bil
P/E (TTM): 19.36 P/B: 4.70
Earnings Power Value 114.97
Net Current Asset Value -68.37
Tangible Book -17.33
Projected FCF 183.82
Median P/S Value 145.45
Graham Number 0
Peter Lynch Value 181.48
DCF (FCF Based) 170.45
DCF (Earnings Based) 260.09
1Y (-%)

Financial Strength : 6/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 0.41
Cash-To-Debt ranked lower than
71.43% of 28 companies
in the Health Care Plans industry.
Industry Max: 10000, Med: 1.15, Min: 0.03
UNH: 0.41
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.31, Med: 1.17, Max: 10000
Current: 0.41
0.31
10000
Equity-to-Asset 0.32
Equity-to-Asset ranked lower than
59.26% of 27 companies
in the Health Care Plans industry.
Industry Max: 0.88, Med: 0.38, Min: -3.02
UNH: 0.32
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.12, Med: 0.39, Max: 0.81
Current: 0.32
0.12
0.81
Debt-to-Equity 0.74
Debt-to-Equity ranked lower than
52.63% of 19 companies
in the Health Care Plans industry.
Industry Max: 2.49, Med: 0.59, Min: 0.02
UNH: 0.74
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0, Med: 0.4, Max: 2.75
Current: 0.74
0
2.75
Debt-to-EBITDA 1.86
Debt-to-EBITDA ranked higher than
50.00% of 18 companies
in the Health Care Plans industry.
Industry Max: 5.37, Med: 1.82, Min: 0.09
UNH: 1.86
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 1.21, Med: 1.7, Max: 2.51
Current: 1.86
1.21
2.51
Interest Coverage 11.31
Interest Coverage ranked higher than
56.00% of 25 companies
in the Health Care Plans industry.
Industry Max: 10000, Med: 10.81, Min: 2.4
UNH: 11.31
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 10.47, Med: 12.8, Max: 15.47
Current: 11.31
10.47
15.47
Piotroski F-Score 4
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 3.49
DISTRESS
GREY
SAFE
Beneish M-Score -2.31
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 18.4%
WACC 7.16%

Profitability & Growth : 7/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 7.24
Operating Margin ranked higher than
66.67% of 27 companies
in the Health Care Plans industry.
Industry Max: 45.41, Med: 5.49, Min: -1210.76
UNH: 7.24
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 6.58, Med: 7.2, Max: 7.8
Current: 7.24
6.58
7.8
Net Margin % 5.49
Net Margin ranked higher than
70.37% of 27 companies
in the Health Care Plans industry.
Industry Max: 34.29, Med: 3.87, Min: -970.89
UNH: 5.49
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 3.72, Med: 4.79, Max: 5.49
Current: 5.49
3.72
5.49
ROE % 25.31
ROE ranked higher than
76.92% of 26 companies
in the Health Care Plans industry.
Industry Max: 57.72, Med: 15.89, Min: -108.55
UNH: 25.31
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 17.22, Med: 18.67, Max: 25.31
Current: 25.31
17.22
25.31
ROA % 8.14
ROA ranked higher than
64.29% of 28 companies
in the Health Care Plans industry.
Industry Max: 36.03, Med: 4.25, Min: -780.26
UNH: 8.14
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 5.88, Med: 7.17, Max: 8.23
Current: 8.14
5.88
8.23
ROC (Joel Greenblatt) % 222.20
ROC (Joel Greenblatt) ranked higher than
76.00% of 25 companies
in the Health Care Plans industry.
Industry Max: 2696.51, Med: 65.45, Min: -21031.25
UNH: 222.2
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: 222.2, Med: 242.97, Max: 362.4
Current: 222.2
222.2
362.4
3-Year Total Revenue Growth Rate 12.90
3-Year Revenue Growth Rate ranked higher than
78.26% of 23 companies
in the Health Care Plans industry.
Industry Max: 25.8, Med: 8.6, Min: -15.7
UNH: 12.3
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 12.2, Med: 17.4, Max: 49.9
Current: 12.3
12.2
49.9
3-Year Total EBITDA Growth Rate 15.90
3-Year EBITDA Growth Rate ranked higher than
55.00% of 20 companies
in the Health Care Plans industry.
Industry Max: 62.1, Med: 12.7, Min: -144.8
UNH: 15.2
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: -58.6, Med: 17.4, Max: 278
Current: 15.2
-58.6
278
3-Year EPS w/o NRI Growth Rate 26.60
3-Year EPS w/o NRI Growth Rate ranked higher than
56.25% of 16 companies
in the Health Care Plans industry.
Industry Max: 105.4, Med: 17.7, Min: -35.7
UNH: 26.6
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 23.1, Max: 73.8
Current: 26.6
0
73.8

» UNH's 30-Y Financials

Financials (Next Earnings Date: 2019-07-17)

Guru Trades Click for details

» Details

Insider Trades

SEC Filings

Gurus Latest Trades with NYSE:UNH

» Interactive Chart

Peter Lynch Chart

Business Description

Industry Health Care Plans » Health Care Plans    NAICS : 524114    SIC : 6324
Compare NYSE:CVS NYSE:ANTM NYSE:CI NYSE:HUM NYSE:CNC NYSE:WCG NYSE:MOH BSP:GNDI3 BSP:ODPV3 XPAR:GDS NAS:MGLN BSP:QUAL3 OSTO:MCOV B OTCPK:HQDA NAS:HIIQ ROCO:6665 ATH:IATR TSXV:META ASX:ONT MIL:HI
Traded in other countries 0R0O.UK
Address 9900 Bren Road East, UnitedHealth Group Center, Minnetonka, MN, USA, 55343
With about 50 million covered lives and 1.2 billion annually processed prescription claims, UnitedHealth is one of the largest MCOs and PBMs in the United States. The firm provides health insurance services to its members through products for every major insurance market--individual, group, and government sponsored. The firm also provides back-office services to providers through its Optum segment. UnitedHealth has a large nationwide operation and competes in most major U.S. geographies.

Ratios

Current vs industry vs history
PE Ratio (TTM) 19.36
PE Ratio ranked lower than
57.14% of 21 companies
in the Health Care Plans industry.
Industry Max: 95.15, Med: 19.79, Min: 10.42
UNH: 19.36
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6.31, Med: 13.61, Max: 23.6
Current: 19.36
6.31
23.6
Forward PE Ratio 17.01
Forward P/E ranked lower than
69.23% of 13 companies
in the Health Care Plans industry.
Industry Max: 29.07, Med: 14.27, Min: 9.46
UNH: 17.01
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 19.36
PE without NRI ranked lower than
57.14% of 21 companies
in the Health Care Plans industry.
Industry Max: 95.15, Med: 19.79, Min: 10.42
UNH: 19.36
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 6.31, Med: 13.61, Max: 23.6
Current: 19.36
6.31
23.6
Price-to-Owner-Earnings 30.62
Price-to-Owner-Earnings ranked lower than
75.00% of 16 companies
in the Health Care Plans industry.
Industry Max: 68.32, Med: 16.47, Min: 9.44
UNH: 30.62
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 5.11, Med: 13.64, Max: 33.56
Current: 30.62
5.11
33.56
PB Ratio 4.70
PB Ratio ranked lower than
73.08% of 26 companies
in the Health Care Plans industry.
Industry Max: 83.33, Med: 3.42, Min: 1.29
UNH: 4.7
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1, Med: 2.29, Max: 5.41
Current: 4.7
1
5.41
PS Ratio 1.07
PS Ratio ranked lower than
64.00% of 25 companies
in the Health Care Plans industry.
Industry Max: 275, Med: 0.73, Min: 0.1
UNH: 1.07
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.27, Med: 0.62, Max: 1.27
Current: 1.07
0.27
1.27
Price-to-Free-Cash-Flow 28.95
Price-to-Free-Cash-Flow ranked lower than
66.67% of 18 companies
in the Health Care Plans industry.
Industry Max: 75.01, Med: 12.78, Min: 5.93
UNH: 28.95
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 5.04, Med: 13.75, Max: 32.16
Current: 28.95
5.04
32.16
Price-to-Operating-Cash-Flow 23.08
Price-to-Operating-Cash-Flow ranked lower than
75.00% of 20 companies
in the Health Care Plans industry.
Industry Max: 56, Med: 12.15, Min: 5.29
UNH: 23.08
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 4.31, Med: 11.5, Max: 25.78
Current: 23.08
4.31
25.78
EV-to-EBIT 14.48
EV-to-EBIT ranked lower than
61.90% of 21 companies
in the Health Care Plans industry.
Industry Max: 609.79, Med: 13.89, Min: 6.83
UNH: 14.48
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 4.4, Med: 8.7, Max: 17.8
Current: 14.48
4.4
17.8
EV-to-EBITDA 12.74
EV-to-EBITDA ranked lower than
66.67% of 21 companies
in the Health Care Plans industry.
Industry Max: 105.29, Med: 9.81, Min: 6.13
UNH: 12.74
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 3.9, Med: 7.6, Max: 15.6
Current: 12.74
3.9
15.6
EV-to-Revenue 1.14
EV-to-Revenue ranked lower than
59.26% of 27 companies
in the Health Care Plans industry.
Industry Max: 287.67, Med: 1.01, Min: 0.04
UNH: 1.14
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.3, Med: 0.7, Max: 1.4
Current: 1.14
0.3
1.4
PEG Ratio 1.42
PEG Ratio ranked lower than
53.85% of 13 companies
in the Health Care Plans industry.
Industry Max: 5.84, Med: 1.35, Min: 0.54
UNH: 1.42
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 0.7, Med: 1.29, Max: 6.11
Current: 1.42
0.7
6.11
Shiller PE Ratio 34.40
Shiller PE Ratio ranked lower than
76.92% of 13 companies
in the Health Care Plans industry.
Industry Max: 412.13, Med: 27.53, Min: 17.76
UNH: 34.4
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 9.32, Med: 19.27, Max: 42.77
Current: 34.4
9.32
42.77
Current Ratio 0.73
Current Ratio ranked lower than
80.00% of 25 companies
in the Health Care Plans industry.
Industry Max: 19.11, Med: 1.35, Min: 0.07
UNH: 0.73
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 0.57, Med: 0.77, Max: 8.45
Current: 0.73
0.57
8.45
Quick Ratio 0.73
Quick Ratio ranked lower than
76.00% of 25 companies
in the Health Care Plans industry.
Industry Max: 19.11, Med: 1.35, Min: 0.05
UNH: 0.73
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.57, Med: 0.77, Max: 8.45
Current: 0.73
0.57
8.45
Days Sales Outstanding 20.36
Days Sales Outstanding ranked higher than
70.00% of 20 companies
in the Health Care Plans industry.
Industry Max: 377.53, Med: 30.58, Min: 3.51
UNH: 20.36
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 8.04, Med: 10.56, Max: 20.36
Current: 20.36
8.04
20.36
Days Payable 78.59
Days Payable ranked higher than
53.33% of 15 companies
in the Health Care Plans industry.
Industry Max: 952.1, Med: 42.32, Min: 5.86
UNH: 78.59
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 47.43, Med: 77.87, Max: 80.01
Current: 78.59
47.43
80.01

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.44
Trailing Dividend Yield ranked higher than
54.84% of 31 companies
in the Health Care Plans industry.
Industry Max: 4.96, Med: 1.02, Min: 0.02
UNH: 1.44
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.09, Med: 1.3, Max: 1.72
Current: 1.44
0.09
1.72
Dividend Payout Ratio 0.28
Dividend Payout Ratio ranked higher than
53.33% of 15 companies
in the Health Care Plans industry.
Industry Max: 1.42, Med: 0.27, Min: 0.09
UNH: 0.28
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.01, Med: 0.22, Max: 0.33
Current: 0.28
0.01
0.33
3-Year Dividend Growth Rate (Per Share) 22.50
3-Year Dividend Growth Rate ranked higher than
87.50% of 8 companies
in the Health Care Plans industry.
Industry Max: 27, Med: 19.4, Min: -100
UNH: 22.5
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 26, Max: 198.8
Current: 22.5
0
198.8
Forward Dividend Yield % 1.44
Forward Dividend Yield ranked higher than
50.00% of 28 companies
in the Health Care Plans industry.
Industry Max: 5.17, Med: 1.33, Min: 0.02
UNH: 1.44
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 4.72
Yield-on-Cost (5y) ranked higher than
65.79% of 38 companies
in the Health Care Plans industry.
Industry Max: 11.21, Med: 4.89, Min: 0.02
UNH: 4.72
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.3, Med: 4.26, Max: 5.64
Current: 4.72
0.3
5.64
3-Year Share Buyback Rate -0.20
3-Year Share Buyback Rate ranked higher than
50.00% of 20 companies
in the Health Care Plans industry.
Industry Max: 7.9, Med: -0.5, Min: -26.7
UNH: -0.2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -21.4, Med: 1.2, Max: 6
Current: -0.2
-21.4
6

Valuation & Return

Current vs industry vs history
Price-to-Projected-FCF 1.36
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
73.33% of 15 companies
in the Health Care Plans industry.
Industry Max: 2.21, Med: 1.08, Min: 0.43
UNH: 1.36
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.33, Med: 1.18, Max: 3.82
Current: 1.36
0.33
3.82
Price-to-DCF (Earnings Based) 0.96
Price-to-Intrinsic-Value-DCF (Earnings Based) ranked lower than
55.56% of 9 companies
in the Health Care Plans industry.
Industry Max: 2.3, Med: 1.02, Min: 0.44
UNH: 0.96
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
Price-to-Intrinsic-Value-DCF (Earnings Based) range over the past 10 years
Min: 0.31, Med: 1.45, Max: 2.62
Current: 0.96
0.31
2.62
Price-to-Median-PS-Value 1.71
Price-to-Median-PS-Value ranked lower than
78.26% of 23 companies
in the Health Care Plans industry.
Industry Max: 4, Med: 1.19, Min: 0.19
UNH: 1.71
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.5, Med: 1.47, Max: 4.4
Current: 1.71
0.5
4.4
Price-to-Peter-Lynch-Fair-Value 1.37
Price-to-Peter-Lynch-Fair-Value ranked lower than
72.73% of 11 companies
in the Health Care Plans industry.
Industry Max: 5.48, Med: 1.09, Min: 0.67
UNH: 1.37
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.38, Med: 1.01, Max: 2.08
Current: 1.37
0.38
2.08
Earnings Yield (Joel Greenblatt) % 6.90
Earnings Yield (Greenblatt) ranked higher than
53.57% of 28 companies
in the Health Care Plans industry.
Industry Max: 14.64, Med: 6.22, Min: -61.73
UNH: 6.9
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 5.6, Med: 11.5, Max: 22.6
Current: 6.9
5.6
22.6
Forward Rate of Return (Yacktman) % 18.04
Forward Rate of Return ranked higher than
50.00% of 16 companies
in the Health Care Plans industry.
Industry Max: 36.31, Med: 16.01, Min: -29.1
UNH: 18.04
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: -7.7, Med: 17.3, Max: 24.4
Current: 18.04
-7.7
24.4

More Statistics

Revenue (TTM) (Mil) $ 229,884
EPS (TTM) $ 12.88
Beta 0.89
Volatility % 22.67
52-Week Range $ 208.07 - 287.94
Shares Outstanding (Mil) 950.34

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 4
Positive ROA Y
Positive CFROA Y
Higher ROA yoy N
CFROA > ROA N
Lower Leverage yoy N
Higher Current Ratio yoy Y
Less Shares Outstanding yoy Y
Higher Gross Margin yoy N
Higher Asset Turnover yoy N