UnitedHealth Group (XSWX:UNH) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
UnitedHealth Group Effective Interest Rate on Debt % Related Terms
UnitedHealth Group Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for UnitedHealth Group's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
XSWX:UNH vs CVS, ELV, CI: Effective Interest Rate on Debt % Comparison
For the Healthcare Plans subindustry, UnitedHealth Group's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where UnitedHealth Group's Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 4.86% mean?
UnitedHealth Group (XSWX:UNH) has a Effective Interest Rate on Debt % of 4.86% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on UnitedHealth Group and its competitors.
Is UnitedHealth Group's Effective Interest Rate on Debt % too high?
UnitedHealth Group's current Effective Interest Rate on Debt % is 4.86%. 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 Effective Interest Rate on Debt % compare to CVS and ELV?
UnitedHealth Group's Effective Interest Rate on Debt % of 4.86% can be compared against companies in the Healthcare Plans industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Healthcare Plans company?
A good Effective Interest Rate on Debt % depends on the Healthcare Plans industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on UnitedHealth Group and its competitors. UnitedHealth Group's current Effective Interest Rate on Debt % is 4.86%. 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 Effective Interest Rate on Debt % is 4.86%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For UnitedHealth Group (XSWX:UNH), the current Effective Interest Rate on Debt % is 4.86% 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 (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:
Effective Interest Rate on Debt %: 4.86%
GF Value™: CHF474.88 vs. price of CHF342.65 (27.8% below fair value)
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
Get the complete analysis for XSWX:UNH
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:UNH has been successfully added to your 
