UnitedHealth GroupLIM:UNH +2.98%66 FCF Margin % is 7.29% as of Mar. 2026, which is 14% above its 10-year median of 6.40. GuruFocus rates LIM:UNH with a GF Score™ of 66/100 and a GF Value™ of $603.41 (Significantly Undervalued). The stock has 10 warning signs investors should review. Among 18 Healthcare Plans companies, UnitedHealth Group ranks better than 50% on this metric.
The historical rank and industry rank for UnitedHealth Group's FCF Margin % or its related term are showing as below:
LIM:UNH'
s FCF Margin % Range Over the Past 10 Years
Min: 3.59 Med: 6.4 Max: 7.83
Current: 4.37
During the past 13 years, the highest FCF Margin % of UnitedHealth Group was 7.83%. The lowest was 3.59%. And the median was 6.40%.
LIM:UNH's FCF Margin % is ranked better than 50% of 18
companies
in the Healthcare Plans industry
Industry Median: 4.09
vs LIM:UNH: 4.37
UnitedHealth Group FCF Margin % Related Terms
UnitedHealth Group FCF Margin % Historical Data
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The historical data trend for UnitedHealth Group's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where UnitedHealth Group's FCF Margin % 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.
UnitedHealth Group (LIM:UNH) has a FCF Margin % of 7.29% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on UnitedHealth Group and its competitors. This is 14% above median its historical median of 6.40. Over the past decade, UnitedHealth Group's FCF Margin % has ranged from 3.59 to 7.83. According to the industry distribution chart, UnitedHealth Group ranks #9 out of 18 companies in the Healthcare Plans industry, placing it in the top 50%.
Is UnitedHealth Group's FCF Margin % too high?
UnitedHealth Group's current FCF Margin % of 7.29% is 14% above median its 10-year median of 6.40. Over the past 10 years, this metric has ranged from a low of 3.59 to a high of 7.83. The Healthcare Plans industry median FCF Margin % is 4.09. UnitedHealth Group's value of 7.29% is 78.2% above this industry median. Based on the distribution chart, UnitedHealth Group ranks #9 out of 18 companies in the Healthcare Plans industry, which is above the industry midpoint. Overall, UnitedHealth Group has a GF Score™ of 66/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UnitedHealth Group's FCF Margin % compare to CVS and ELV?
According to the Healthcare Plans industry distribution chart, UnitedHealth Group ranks #9 out of 18 companies for FCF Margin %. This puts UnitedHealth Group in the upper half of its industry. The industry median FCF Margin % is 4.09. UnitedHealth Group's value of 7.29% is 78.2% above this benchmark. Historically, UnitedHealth Group's own FCF Margin % has ranged from 3.59 to 7.83 over the past decade. While the company's 10-year median is 6.40 vs. the industry median of 4.09, 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 FCF Margin % for a Healthcare Plans company?
The median FCF Margin % among Healthcare Plans companies is 4.09, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UnitedHealth Group's current FCF Margin % of 7.29% is 78.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on UnitedHealth Group and its competitors. For the Healthcare Plans industry, the median FCF Margin % is 4.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UnitedHealth Group's current FCF Margin % is 7.29%, which is 14% above median its own 10-year median of 6.40. 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 Significantly Undervalued. The stock's GF Value™ is $603.41, compared to a current price of $415.00 — trading 31.2% below its estimated fair value. The current FCF Margin % is 7.29%, which is 14% above median its 10-year median of 6.40 and 78.2% above the Healthcare Plans industry median of 4.09. UnitedHealth Group's overall GF Score™ is 66/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For UnitedHealth Group (LIM:UNH), the current FCF Margin % is 7.29% 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 $415.00 is trading 31.2% below its estimated GF Value™ of $603.41.
GuruFocus considers UnitedHealth Group to be Significantly Undervalued.
Key valuation signals for LIM:UNH:
FCF Margin %: 7.29% (14% above median its 10-year median of 6.40)
GF Value™: $603.41 vs. price of $415.00 (31.2% below fair value)
Industry Position: 78.2% above the Healthcare Plans median (#9 of 18)
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.
66GF Score
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