UnitedHealth GroupLIM:UNH +2.31%66 Interest Coverage is 9.41 as of Mar. 2026, which is 23% below its 10-year median of 12.26. GuruFocus rates LIM:UNH with a GF Score™ of 66/100 and a GF Value™ of $599.53 (Modestly Undervalued). The stock has 10 warning signs investors should review. Among 15 Healthcare Plans companies, UnitedHealth Group ranks better than 53.33% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. UnitedHealth Group's
Operating Income
for the
three
months ended in Mar. 2026 was $8,990 Mil. UnitedHealth Group's Interest Expense for the
three
months ended in Mar. 2026 was $-955 Mil.
UnitedHealth Group's interest coverage for the quarter that ended in Mar. 2026 was 9.41.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for UnitedHealth Group's Interest Coverage or its related term are showing as below:
LIM:UNH'
s Interest Coverage Range Over the Past 10 Years
Min: 4.74 Med: 12.26 Max: 14.44
Current: 4.76
LIM:UNH's Interest Coverage is ranked better than 53.33% of 15
companies
in the Healthcare Plans industry
Industry Median: 4.55
vs LIM:UNH: 4.76
UnitedHealth Group (LIM:UNH) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
UnitedHealth Group Interest Coverage Related Terms
UnitedHealth Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for UnitedHealth Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
LIM:UNH vs CVS, ELV, CI: Interest Coverage Comparison
For the Healthcare Plans subindustry, UnitedHealth Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where UnitedHealth Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 9.41 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on UnitedHealth Group and its competitors. This is 23% below median its historical median of 12.26. Over the past decade, UnitedHealth Group's Interest Coverage has ranged from 4.74 to 14.44. According to the industry distribution chart, UnitedHealth Group ranks #7 out of 15 companies in the Healthcare Plans industry, placing it in the top 46.7%.
Is UnitedHealth Group's Interest Coverage too high?
UnitedHealth Group's current Interest Coverage of 9.41 is 23% below median its 10-year median of 12.26. Over the past 10 years, this metric has ranged from a low of 4.74 to a high of 14.44. The Healthcare Plans industry median Interest Coverage is 4.55. UnitedHealth Group's value of 9.41 is 106.8% above this industry median. Based on the distribution chart, UnitedHealth Group ranks #7 out of 15 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UnitedHealth Group's Interest Coverage compare to CVS and ELV?
According to the Healthcare Plans industry distribution chart, UnitedHealth Group ranks #7 out of 15 companies for Interest Coverage. This puts UnitedHealth Group in the upper half of its industry. The industry median Interest Coverage is 4.55. UnitedHealth Group's value of 9.41 is 106.8% above this benchmark. Historically, UnitedHealth Group's own Interest Coverage has ranged from 4.74 to 14.44 over the past decade. While the company's 10-year median is 12.26 vs. the industry median of 4.55, 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 Interest Coverage for a Healthcare Plans company?
The median Interest Coverage among Healthcare Plans companies is 4.55, based on 15 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UnitedHealth Group's current Interest Coverage of 9.41 is 106.8% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on UnitedHealth Group and its competitors. For the Healthcare Plans industry, the median Interest Coverage is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UnitedHealth Group's current Interest Coverage is 9.41, which is 23% below median its own 10-year median of 12.26. 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 $599.53, compared to a current price of $424.60 — trading 29.2% below its estimated fair value. The current Interest Coverage is 9.41, which is 23% below median its 10-year median of 12.26 and 106.8% above the Healthcare Plans industry median of 4.55. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For UnitedHealth Group (LIM:UNH), the current Interest Coverage is 9.41 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 $424.60 is trading 29.2% below its estimated GF Value™ of $599.53.
GuruFocus considers UnitedHealth Group to be Modestly Undervalued.
Key valuation signals for LIM:UNH:
Interest Coverage: 9.41 (23% below median its 10-year median of 12.26)
GF Value™: $599.53 vs. price of $424.60 (29.2% below fair value)
Industry Position: 106.8% above the Healthcare Plans median (#7 of 15)
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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