UnitedHealth Group (XTER:UNH) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTER:UNH UnitedHealth Group Inc XTER:UNH
78 GF Score
Price €376.40
GF Value €533.15
Valuation Modestly Undervalued
! 10 Warning Signs
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What is UnitedHealth Group Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

XTER:UNH
78GF Score
UnitedHealth Group Inc XTER:UNH
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is UnitedHealth Group (XTER:UNH) Overvalued in 2026?

Based on GuruFocus' analysis, UnitedHealth Group stock appears to be undervalued. The current stock price of €376.40 is trading 29.4% below its estimated GF Value™ of €533.15. GuruFocus considers UnitedHealth Group to be Modestly Undervalued.

Key valuation signals for XTER:UNH:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €533.15 vs. price of €376.40 (29.4% below fair value)
  • GF Score™: 78/100 with 10 warning signs

No single metric tells the full story. See the XTER: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.
78GF Score

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Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€376.40
Price
€533.15
GF Value