UNH (UnitedHealth Group) Moat Score: 8/10 (As of Jul. 03, 2026)


UNH UnitedHealth Group Inc UNH
84 GF Score
Price $425.36
GF Value $604.00
Valuation Significantly Undervalued
! 10 Warning Signs
View Full Analysis

What is UnitedHealth Group Moat Score?

UnitedHealth Group UNH -0.28% 84 Moat Score is 8 as of Jul. 03, 2026. GuruFocus rates UNH with a GF Score™ of 84/100 and a GF Value™ of $604.00 (Significantly Undervalued). The stock has 10 warning signs investors should review. Among 18 Healthcare Plans companies, UnitedHealth Group ranks better than 94.44% on this metric.

UnitedHealth Group has the Moat Score of 8, which implies that the company might have Wide Moat - Clear and robust wide moat.

UnitedHealth Group has Wide Moat: UnitedHealth Group has a robust wide moat due to its market leadership in healthcare services, strong brand, and significant customer switching costs. Its economies of scale and extensive provider network create durable cost advantages. The company's innovative healthcare solutions and regulatory expertise further solidify its competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes UnitedHealth Group might have Wide Moat - Clear and robust wide moat.

UnitedHealth Group  (NYSE:UNH) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

UnitedHealth Group Moat Score Related Terms

UNH vs CVS, ELV, CI: Moat Score Comparison

For the Healthcare Plans subindustry, UnitedHealth Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's Moat Score distribution charts can be found below:

* The bar in red indicates where UnitedHealth Group's Moat Score falls into.


UNH
84GF Score
UnitedHealth Group Inc UNH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 8 mean?
UnitedHealth Group (UNH) has a Moat Score of 8 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, UnitedHealth Group ranks #1 out of 18 companies in the Healthcare Plans industry, placing it in the top 5.6%.
Is UnitedHealth Group's Moat Score too high?
UnitedHealth Group's current Moat Score is 8. The Healthcare Plans industry median Moat Score is 4.00. UnitedHealth Group's value of 8 is 100% above this industry median. Based on the distribution chart, UnitedHealth Group ranks #1 out of 18 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 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UnitedHealth Group's Moat Score compare to CVS and ELV?
According to the Healthcare Plans industry distribution chart, UnitedHealth Group ranks #1 out of 18 companies for Moat Score. This places UnitedHealth Group in the top 6% of its industry — outperforming the majority of peers. The industry median Moat Score is 4.00. UnitedHealth Group's value of 8 is 100% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Healthcare Plans company?
The median Moat Score among Healthcare Plans companies is 4.00, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a Moat Score significantly above this median, while those in the bottom quartile fall well below. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UnitedHealth Group's current Moat Score of 8 is 100% 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. For the Healthcare Plans industry, the median Moat Score is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UnitedHealth Group's current Moat Score is 8. 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 (UNH) is currently considered Significantly Undervalued. The stock's GF Value™ is $604.00, compared to a current price of $425.36 — trading 29.6% below its estimated fair value. The current Moat Score is 8 and 100% above the Healthcare Plans industry median of 4.00. UnitedHealth Group's overall GF Score™ is 84/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For UnitedHealth Group (UNH), the current Moat Score is 8 as of Jul. 03, 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 (UNH) Overvalued in 2026?

Based on GuruFocus' analysis, UnitedHealth Group stock appears to be undervalued. The current stock price of $425.36 is trading 29.6% below its estimated GF Value™ of $604.00. GuruFocus considers UnitedHealth Group to be Significantly Undervalued.

Key valuation signals for UNH:

  • Moat Score: 8
  • GF Value™: $604.00 vs. price of $425.36 (29.6% below fair value)
  • GF Score™: 84/100 with 10 warning signs
  • Industry Position: 100% above the Healthcare Plans median (#1 of 18)

No single metric tells the full story. See the 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.
84GF Score

Get the complete analysis for UNH

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$425.36
Price
$604.00
GF Value