UnitedHealth GroupXSWX:UNH -0.36%79 Cyclically Adjusted PS Ratio is 1.18 as of Jul. 06, 2026, which is 32% below its 10-year median of 1.74. GuruFocus rates XSWX:UNH with a GF Score™ of 79/100 and a GF Value™ of CHF474.88 (Modestly Undervalued). The stock has 10 warning signs investors should review. Among 13 Healthcare Plans companies, UnitedHealth Group ranks worse than 69.23% on this metric.
The historical rank and industry rank for UnitedHealth Group's Cyclically Adjusted PS Ratio or its related term are showing as below:
XSWX:UNH'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1.74 Max: 2.36
Current: 1.15
During the past years, UnitedHealth Group's highest Cyclically Adjusted PS Ratio was 2.36. The lowest was 0.69. And the median was 1.74.
XSWX:UNH's Cyclically Adjusted PS Ratio is ranked worse than 69.23% of 13
companies
in the Healthcare Plans industry
Industry Median: 0.58
vs XSWX:UNH: 1.15
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
UnitedHealth Group's adjusted revenue per share data for the three months ended in Mar. 2026 was CHF96.657. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is CHF290.43 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
UnitedHealth Group (XSWX:UNH) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
UnitedHealth Group Cyclically Adjusted PS Ratio Related Terms
UnitedHealth Group Cyclically Adjusted PS Ratio Historical Data
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The historical data trend for UnitedHealth Group's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UnitedHealth Group Cyclically Adjusted PS Ratio Chart
XSWX:UNH vs CVS, ELV, CI: Cyclically Adjusted PS Ratio Comparison
For the Healthcare Plans subindustry, UnitedHealth Group's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UnitedHealth Group Cyclically Adjusted PS Ratio vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where UnitedHealth Group's Cyclically Adjusted PS Ratio falls into.
UnitedHealth Group Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
UnitedHealth Group's Cyclically Adjusted PS Ratio for today is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 1.18 mean?
UnitedHealth Group (XSWX:UNH) has a Cyclically Adjusted PS Ratio of 1.18 as of Jul. 06, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on UnitedHealth Group and its competitors. This is 32% below median its historical median of 1.74. Over the past decade, UnitedHealth Group's Cyclically Adjusted PS Ratio has ranged from 0.69 to 2.36. According to the industry distribution chart, UnitedHealth Group ranks #9 out of 13 companies in the Healthcare Plans industry, placing it in the top 69.2%.
Is UnitedHealth Group's Cyclically Adjusted PS Ratio too high?
UnitedHealth Group's current Cyclically Adjusted PS Ratio of 1.18 is 32% below median its 10-year median of 1.74. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 2.36. The Healthcare Plans industry median Cyclically Adjusted PS Ratio is 0.58. UnitedHealth Group's value of 1.18 is 103.4% above this industry median. Based on the distribution chart, UnitedHealth Group ranks #9 out of 13 companies in the Healthcare Plans industry, which is below the industry midpoint. Overall, UnitedHealth Group has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UnitedHealth Group's Cyclically Adjusted PS Ratio compare to CVS and ELV?
According to the Healthcare Plans industry distribution chart, UnitedHealth Group ranks #9 out of 13 companies for Cyclically Adjusted PS Ratio. This places UnitedHealth Group in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 0.58. UnitedHealth Group's value of 1.18 is 103.4% above this benchmark. Historically, UnitedHealth Group's own Cyclically Adjusted PS Ratio has ranged from 0.69 to 2.36 over the past decade. While the company's 10-year median is 1.74 vs. the industry median of 0.58, UnitedHealth Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Healthcare Plans company?
The median Cyclically Adjusted PS Ratio among Healthcare Plans companies is 0.58, based on 13 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UnitedHealth Group's current Cyclically Adjusted PS Ratio of 1.18 is 103.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on UnitedHealth Group and its competitors. For the Healthcare Plans industry, the median Cyclically Adjusted PS Ratio is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UnitedHealth Group's current Cyclically Adjusted PS Ratio is 1.18, which is 32% below median its own 10-year median of 1.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UnitedHealth Group stock overvalued right now?
Based on GuruFocus' analysis, UnitedHealth Group (XSWX:UNH) is currently considered Modestly Undervalued. The stock's GF Value™ is CHF474.88, compared to a current price of CHF342.65 — trading 27.8% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 1.18, which is 32% below median its 10-year median of 1.74 and 103.4% above the Healthcare Plans industry median of 0.58. UnitedHealth Group's overall GF Score™ is 79/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For UnitedHealth Group (XSWX:UNH), the current Cyclically Adjusted PS Ratio is 1.18 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UnitedHealth Group (XSWX:UNH) Overvalued in 2026?
Based on GuruFocus' analysis, UnitedHealth Group stock appears to be undervalued.
The current stock price of CHF342.65 is trading 27.8% below its estimated GF Value™ of CHF474.88.
GuruFocus considers UnitedHealth Group to be Modestly Undervalued.
Key valuation signals for XSWX:UNH:
Cyclically Adjusted PS Ratio: 1.18 (32% below median its 10-year median of 1.74)
GF Value™: CHF474.88 vs. price of CHF342.65 (27.8% below fair value)
Industry Position: 103.4% above the Healthcare Plans median (#9 of 13)
No single metric tells the full story. See the XSWX:UNH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UnitedHealth Group is one of the largest private health insurers and provides medical benefits to about 51 million members globally, including 1 million outside the US as of December 2025. As a leader in employer-sponsored, self-directed, and government-backed insurance plans, UnitedHealth has obtained massive scale in medical insurance. Along with its insurance assets, UnitedHealth's Optum franchises help create a healthcare services colossus that spans everything from pharmaceutical benefits to providing outpatient care and analytics to affiliates and third parties.
79GF Score
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