UnitedHealth Group (FRA:UNH) Margin of Safety % (DCF FCF Based): -14.48% (As of Jun. 26, 2026)


FRA:UNH UnitedHealth Group Inc FRA:UNH
87 GF Score
Price €365.20
GF Value €531.00
Valuation Significantly Undervalued
! 10 Warning Signs
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What is UnitedHealth Group Margin of Safety % (DCF FCF Based)?

UnitedHealth Group FRA:UNH +2.70% 87 Margin of Safety % (DCF FCF Based) is -14.48% as of Jun. 26, 2026. GuruFocus rates FRA:UNH with a GF Score™ of 87/100 and a GF Value™ of €531.00 (Significantly Undervalued). The stock has 10 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), UnitedHealth Group's Predictability Rank is 2-Stars. UnitedHealth Group's intrinsic value calculated from the Discounted FCF model is €278.97 and current share price is €365.20. Consequently,

UnitedHealth Group's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -14.48%.

FRA:UNH vs CVS, ELV, CI: Margin of Safety % (DCF FCF Based) Comparison

For the Healthcare Plans subindustry, UnitedHealth Group's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where UnitedHealth Group's Margin of Safety % (DCF FCF Based) falls into.


FRA:UNH
87GF Score
UnitedHealth Group Inc FRA:UNH
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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UnitedHealth Group Margin of Safety % (DCF FCF Based) Calculation

UnitedHealth Group's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(319.02-365.20)/319.02
=-14.48 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -14.48% mean?
UnitedHealth Group (FRA:UNH) has a Margin of Safety % (DCF FCF Based) of -14.48% as of Jun. 26, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on UnitedHealth Group.
Is UnitedHealth Group's Margin of Safety % (DCF FCF Based) too high?
UnitedHealth Group's current Margin of Safety % (DCF FCF Based) is -14.48%. Overall, UnitedHealth Group has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UnitedHealth Group's Margin of Safety % (DCF FCF Based) compare to CVS and ELV?
UnitedHealth Group's Margin of Safety % (DCF FCF Based) of -14.48% 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 Margin of Safety % (DCF FCF Based) for a Healthcare Plans company?
A good Margin of Safety % (DCF FCF Based) depends on the Healthcare Plans industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on UnitedHealth Group. UnitedHealth Group's current Margin of Safety % (DCF FCF Based) is -14.48%. 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 (FRA:UNH) is currently considered Significantly Undervalued. The stock's GF Value™ is €531.00, compared to a current price of €365.20 — trading 31.2% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is -14.48%. UnitedHealth Group's overall GF Score™ is 87/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For UnitedHealth Group (FRA:UNH), the current Margin of Safety % (DCF FCF Based) is -14.48% as of Jun. 26, 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 (FRA:UNH) Overvalued in 2026?

Based on GuruFocus' analysis, UnitedHealth Group stock appears to be undervalued. The current stock price of €365.20 is trading 31.2% below its estimated GF Value™ of €531.00. GuruFocus considers UnitedHealth Group to be Significantly Undervalued.

Key valuation signals for FRA:UNH:

  • Margin of Safety % (DCF FCF Based): -14.48%
  • GF Value™: €531.00 vs. price of €365.20 (31.2% below fair value)
  • GF Score™: 87/100 with 10 warning signs

No single metric tells the full story. See the FRA:UNH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

UnitedHealth Group Business Description

Address 1 Health Drive, Eden Prairie, MN, USA, 55344
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.
87GF Score

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€365.20
Price
€531.00
GF Value