UnitedHealth GroupLIM:UNH +2.31%66 ROE % is 26.17% as of Mar. 2026, which is 6% above its 10-year median of 24.78. 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 18 Healthcare Plans companies, UnitedHealth Group ranks better than 72.22% on this metric.
The historical rank and industry rank for UnitedHealth Group's ROE % or its related term are showing as below:
LIM:UNH'
s ROE % Range Over the Past 10 Years
Min: 12.61 Med: 24.78 Max: 26.91
Current: 12.61
During the past 13 years, UnitedHealth Group's highest ROE % was 26.91%. The lowest was 12.61%. And the median was 24.78%.
LIM:UNH's ROE % is ranked better than 72.22% of 18
companies
in the Healthcare Plans industry
Industry Median: 8.165
vs LIM:UNH: 12.61
UnitedHealth Group (LIM:UNH) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
UnitedHealth Group ROE % Related Terms
UnitedHealth Group ROE % Historical Data
* Premium members only.
The historical data trend for UnitedHealth Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, UnitedHealth Group's ROE % distribution charts can be found below:
* The bar in red indicates where UnitedHealth Group's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
UnitedHealth Group (LIM:UNH) has a ROE % of 26.17% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on UnitedHealth Group and its competitors. This is near median its historical median of 24.78. Over the past decade, UnitedHealth Group's ROE % has ranged from 12.61 to 26.91. According to the industry distribution chart, UnitedHealth Group ranks #5 out of 18 companies in the Healthcare Plans industry, placing it in the top 27.8%.
Is UnitedHealth Group's ROE % too high?
UnitedHealth Group's current ROE % of 26.17% is near median its 10-year median of 24.78. Over the past 10 years, this metric has ranged from a low of 12.61 to a high of 26.91. The Healthcare Plans industry median ROE % is 8.17. UnitedHealth Group's value of 26.17% is 220.5% above this industry median. Based on the distribution chart, UnitedHealth Group ranks #5 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UnitedHealth Group's ROE % compare to CVS and ELV?
According to the Healthcare Plans industry distribution chart, UnitedHealth Group ranks #5 out of 18 companies for ROE %. This puts UnitedHealth Group in the upper half of its industry. The industry median ROE % is 8.17. UnitedHealth Group's value of 26.17% is 220.5% above this benchmark. Historically, UnitedHealth Group's own ROE % has ranged from 12.61 to 26.91 over the past decade. While the company's 10-year median is 24.78 vs. the industry median of 8.17, 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 ROE % for a Healthcare Plans company?
The median ROE % among Healthcare Plans companies is 8.17, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UnitedHealth Group's current ROE % of 26.17% is 220.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on UnitedHealth Group and its competitors. For the Healthcare Plans industry, the median ROE % is 8.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UnitedHealth Group's current ROE % is 26.17%, which is near median its own 10-year median of 24.78. 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 ROE % is 26.17%, which is near median its 10-year median of 24.78 and 220.5% above the Healthcare Plans industry median of 8.17. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For UnitedHealth Group (LIM:UNH), the current ROE % is 26.17% 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:
ROE %: 26.17% (near median its 10-year median of 24.78)
GF Value™: $599.53 vs. price of $424.60 (29.2% below fair value)
Industry Position: 220.5% above the Healthcare Plans median (#5 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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