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UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) stock

UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) trades on NYSE and is classified in the Healthcare sector. 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. This page tracks UNH using verified market data, the company's most recently reported financial statements, its earnings record and Ticker-Terminal's analytical models. Every figure is shown with its source and the time it was last verified, and values we cannot verify are labelled rather than filled in.

$379.09$-9.19 (-2.37%)Last verified · 3 days ago

Previous close

$388.28

Volume

7,484,665.649

52-week range

$255.97 – $461.62

Market cap

$340.27B

Source: Polygon (daily close) · Verified Sep 11, 2026, 12:00 AM EDT

Performance

1D

-2.37%

1W

-4.54%

1M

-6.53%

1Y

+7.21%

Percentage change calculated from verified closing prices. Periods without full provider coverage are marked unavailable rather than estimated.

Reported financials

Verified · 35 days ago

Revenue (TTM)

$450.13B

Reported Q2'26 · Polygon (company financials)

Revenue growth (YoY)

0.4%

Reported Q2'26 · Polygon (company financials)

EPS (TTM, diluted)

15.55

Reported Q2'26 · Polygon (company financials)

EPS growth (YoY)

61.5%

Reported Q2'26 · Polygon (company financials)

Gross margin

88.6%

Reported Q2'26 · Polygon (company financials)

Operating margin

4.8%

Reported Q2'26 · Polygon (company financials)

Net margin

3.3%

Reported Q2'26 · Polygon (company financials)

Operating cash flow (TTM)

$27.02B

Reported Q2'26 · Polygon (company financials)

Revenue 2-year CAGR

6.2%

Reported Q2'26 · Polygon (company financials)

Source: Polygon financials + Finnhub earnings · Latest reported Q2'26 · Verified Aug 9, 2026, 8:00 PM EDT

Valuation

P/E (trailing)

24.4Last verified · 3 days ago

Reported Q2'26 · Ticker-Terminal (last verified price ÷ TTM diluted EPS)

P/E (forward, est.)

33.6Last verified · 3 days ago

Ticker-Terminal (last verified price ÷ annualised consensus EPS estimate)

Market cap

$340.27BLast verified · 3 days ago

Polygon / Finnhub reference

Dividend yield

No dividend currently reported

Ticker-Terminal does not publish a dividend yield for this ticker until a verified distribution is on file.

Earnings

Verified · 35 days ago

Next earnings date

Oct 8, 2026

Source: Finnhub earnings calendar

Latest reported quarter

Q2'26

Revenue $112.03B · Diluted EPS 6.04

UNH EPS actual versus estimate by reported period
PeriodEPS actualEstimateSurprise
2026-06-306.384.95+28.8%
2026-03-317.236.64+8.9%
2025-12-312.112.12-0.6%
2025-09-302.922.82+3.5%

Ticker-Terminal analysis of UNH

Analysis based on data verified 2026-06-14T23:29:34.328+00:00. It has not been refreshed because current market inputs are not fresh enough. Based on data verified Jun 14, 2026, 7:29 PM EDT.

37/ 100 quality score
F

Bull case

The bull case rests on UnitedHealth's ability to evolve into a technology-driven health services company, commanding a higher multiple through margin expansion.

  • Optum's technology and pharmacy services drive higher-margin revenue that offsets slower growth in traditional insurance.
  • A successful push into value-based care models significantly lowers the cost of delivery and boosts net margins.
  • The company leverages its fortress balance sheet to make a major, accretive acquisition in the health tech space.

Base case

The base case assumes UnitedHealth remains the dominant force in managed care, successfully navigating regulatory headwinds to deliver modest but steady earnings growth.

  • Revenue maintains a steady mid-single-digit growth trajectory as membership expands in Medicare Advantage.
  • Operating margins stabilize following a period of regulatory and medical cost pressure.
  • The company continues to use its robust cash flow for consistent dividend increases and share repurchases.

Bear case

The bear case centers on a significant valuation correction, as the stock currently trades at a massive premium to its calculated fair value despite slowing top-line growth.

  • Increased government scrutiny and lower-than-expected reimbursement rates for Medicare Advantage squeeze profits.
  • Medical Loss Ratios (MLR) trend higher than anticipated as healthcare utilization remains elevated.
  • The current valuation premium collapses as the market re-rates the stock toward its historical fundamental floor.

Calculated from verified reported financials and the last verified price (data verified Jun 14, 2026, 7:29 PM EDT). Analytical model output, not a price target or investment advice.

Analyst consensus

Unavailable

Rating

Buy

Average target

Unavailable

Range

Unavailable

Analysts

34

Source: finnhub

Recent UNH news

Delayed · 2 days ago

Data confidence: Partial confidence

Some data is delayed, stale or unavailable. Everything shown is still verified.

  • Market data is older than our freshness threshold.

What is affected

  • Market dataLast verified · 3 days ago· Polygon (daily close)
  • NewsDelayed · 2 days ago· polygon

Still fully reliable

Company profile and business overview · Reported financial statements · Earnings history · Ticker-Terminal analysis

Run full AI research on UNH

This page is the free public summary. Inside Ticker-Terminal you get quarterly forecasts, EPS estimate tracking, earnings deep dives, fair-value modelling and AI research built on the same verified provider data and filings.

UNH questions, answered

What does UNITEDHEALTH GROUP INCORPORATED (Delaware) do?

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.

Where is UNH listed?

UNITEDHEALTH GROUP INCORPORATED (Delaware) trades under the ticker UNH on NYSE.

What is the UNH stock price today?

UNH was last verified at $379.09 (-2.37% on the day). Pre-market, last verified Sep 11, 2026, 12:00 AM EDT. Market data may be delayed and is shown with its own timestamp.

Is UNITEDHEALTH GROUP INCORPORATED (Delaware) revenue growing?

Based on the latest reported financials, UNH revenue changed 0.4% year over year (filed Aug 9, 2026).

When does UNITEDHEALTH GROUP INCORPORATED (Delaware) report earnings next?

The next confirmed UNH earnings date is Oct 8, 2026, per Finnhub earnings calendar. Dates can be revised by the company.

What did UNITEDHEALTH GROUP INCORPORATED (Delaware) report in its latest quarter?

For Q2'26, UNH reported revenue of $112.03B and diluted EPS of 6.04.

What is Ticker-Terminal's UNH growth score?

Ticker-Terminal scores UNH at 37/100 (F) from verified growth, profitability, financial strength and valuation inputs. It is an analytical model based on available verified data, not a guarantee of future performance.

How can I run deeper AI research on UNH?

Create a free Ticker-Terminal account to run a full AI research report on UNH — earnings breakdown, quarterly forecasts, bull, base and bear cases, and fair value ranges built on verified provider data and filings.

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Market data on this page is supplied by third-party providers, may be delayed, and is shown with the time it was last verified. Financial figures come from UNH's most recently reported statements and are not restated by Ticker-Terminal.

Scores, fair-value ranges and bull, base and bear scenarios are analytical models calculated from verified data. They are educational information, not investment advice, not a price prediction, and not a recommendation to buy or sell any security. Past performance does not indicate future results.

See our risk disclosure. Page data assembled Sep 14, 2026, 4:09 AM EDT.