UnitedHealth GroupLIM:UNH -1.08%69 Days Payable is 82.28 as of Mar. 2026, which is 7% above its 10-year median of 77.23. GuruFocus rates LIM:UNH with a GF Score™ of 69/100 and a GF Value™ of $594.74 (Modestly Undervalued). The stock has 10 warning signs investors should review. Among 13 Healthcare Plans companies, UnitedHealth Group ranks better than 92.31% on this metric.
The historical rank and industry rank for UnitedHealth Group's Days Payable or its related term are showing as below:
LIM:UNH'
s Days Payable Range Over the Past 10 Years
Min: 72.35 Med: 77.23 Max: 81.64
Current: 75.03
During the past 13 years, UnitedHealth Group's highest Days Payable was 81.64. The lowest was 72.35. And the median was 77.23.
LIM:UNH's Days Payable is ranked better than 92.31% of 13
companies
in the Healthcare Plans industry
Industry Median: 38.89
vs LIM:UNH: 75.03
UnitedHealth Group's Days Payable
increased
from Mar. 2025 (74.05) to Mar. 2026 (82.28).
It may suggest that UnitedHealth Groupdelayed paying its suppliers.
UnitedHealth Group Days Payable Related Terms
UnitedHealth Group Days Payable Historical Data
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The historical data trend for UnitedHealth Group's Days Payable 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.
For the Healthcare Plans subindustry, UnitedHealth Group's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's Days Payable distribution charts can be found below:
* The bar in red indicates where UnitedHealth Group's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
UnitedHealth Group's Days Payable for the fiscal year that ended in Dec. 2025 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.
UnitedHealth Group (LIM:UNH) has a Days Payable of 82.28 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on UnitedHealth Group and its competitors. This is near median its historical median of 77.23. Over the past decade, UnitedHealth Group's Days Payable has ranged from 72.35 to 81.64. According to the industry distribution chart, UnitedHealth Group ranks #1 out of 13 companies in the Healthcare Plans industry, placing it in the top 7.7%.
Is UnitedHealth Group's Days Payable too high?
UnitedHealth Group's current Days Payable of 82.28 is near median its 10-year median of 77.23. Over the past 10 years, this metric has ranged from a low of 72.35 to a high of 81.64. The Healthcare Plans industry median Days Payable is 38.89. UnitedHealth Group's value of 82.28 is 111.6% above this industry median. Based on the distribution chart, UnitedHealth Group ranks #1 out of 13 companies in the Healthcare Plans industry, which is in the top quartile — a strong position relative to peers. Overall, UnitedHealth Group has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UnitedHealth Group's Days Payable compare to CVS and ELV?
According to the Healthcare Plans industry distribution chart, UnitedHealth Group ranks #1 out of 13 companies for Days Payable. This places UnitedHealth Group in the top 8% of its industry — outperforming the majority of peers. The industry median Days Payable is 38.89. UnitedHealth Group's value of 82.28 is 111.6% above this benchmark. Historically, UnitedHealth Group's own Days Payable has ranged from 72.35 to 81.64 over the past decade. While the company's 10-year median is 77.23 vs. the industry median of 38.89, 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 Days Payable for a Healthcare Plans company?
The median Days Payable among Healthcare Plans companies is 38.89, based on 13 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UnitedHealth Group's current Days Payable of 82.28 is 111.6% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on UnitedHealth Group and its competitors. For the Healthcare Plans industry, the median Days Payable is 38.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UnitedHealth Group's current Days Payable is 82.28, which is near median its own 10-year median of 77.23. 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 (LIM:UNH) is currently considered Modestly Undervalued. The stock's GF Value™ is $594.74, compared to a current price of $420.00 — trading 29.4% below its estimated fair value. The current Days Payable is 82.28, which is near median its 10-year median of 77.23 and 111.6% above the Healthcare Plans industry median of 38.89. UnitedHealth Group's overall GF Score™ is 69/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For UnitedHealth Group (LIM:UNH), the current Days Payable is 82.28 as of Mar. 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 (LIM:UNH) Overvalued in 2026?
Based on GuruFocus' analysis, UnitedHealth Group stock appears to be undervalued.
The current stock price of $420.00 is trading 29.4% below its estimated GF Value™ of $594.74.
GuruFocus considers UnitedHealth Group to be Modestly Undervalued.
Key valuation signals for LIM:UNH:
Days Payable: 82.28 (near median its 10-year median of 77.23)
GF Value™: $594.74 vs. price of $420.00 (29.4% below fair value)
Industry Position: 111.6% above the Healthcare Plans median (#1 of 13)
No single metric tells the full story. See the LIM: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.
69GF Score
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