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UnitedHealth Group Incorporated (UNH) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

UnitedHealth Group Incorporated

UNHMarket cap $337BPrice $376.0

Country🇺🇸United States

SectorHealthcare

IndustryHealthcare Services

Operates health insurance plans covering 50 million Americans while owning the largest network of medical clinics and pharmacies. Makes money when you're healthy and when you're sick.

In Bastion Portfolios?

52W Return+7%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+11%7

Revenue Forecast

Rev CAGR (1y)-0%2

Rev CAGR (3y)+3%2

Rev CAGR (5y)+5%4

Earnings Forecast

EPS Growth Y+1+29%8

EPS Growth Y+2+12%7

EPS Growth Y+3+14%7

Quality

Margins

EBIT Margin5%3

Net Income Margin3%3

Free Cash Flow Margin5%4

Debt

Net Debt/EBITDA1.65

Efficiency

ROE15%6

ROA5%6

Earnings Stability77

GEAR+AVERAGE34

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)185

P/E Ratio (Forward 3y)155

P/BV3.44

EV Multiples

EV/EBITDA Fwd115

EV/EBIT Fwd137

Yield

Free Cash Flow Yield7.0%8

Dividend Yield2.5%6

Momentum

Short term

1 month return-6%5

3 month return-11%3

YTD return+16%7

Mid term

Price vs 52wHigh82%6

1 year return+4%5

Long term

3 year return-24%2

5 year return+1%4

Risk Shield

Price Risk

Beta0.48

Volatility36%5

Free Cash Flow

Free Cash Flow Margin5%4

Free Cash Flow Yield7.0%8

Quality

ROCE12%7

Earnings Stability77

Net Debt/EBITDA1.65

02Growth

Is it actually growing, and how fast?

UNHUnitedHealth Group

Revenue FY25$400B

GROWTH RATING↗

WEAK26 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%7

Revenue, next 1Y-0%2

Revenue, next 3Y, CAGR+3%2

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+29%8

EPS growth, FY27E+12%7

EPS growth, FY28E+14%7

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 11%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Earnings are set to grow faster than sales (EPS about 14%/yr vs revenue 3%/yr), so margins should widen.

WATCH

Revenue grew 11%/yr over the last 3 years; forecasts see it cooling to 3%/yr.

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 74% of companies worldwide.

Revenue is set to grow 3%/yr over the next 3 years, behind most of the market.3/10

BOTTOM LINE

Margin Expander

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK27 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%5

3-month return-11%3

YTD return+16%7

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+4%5

3-year return-24%2

5-year return+1%4

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming so far this year (+16%).

WATCH

It's up 4% over the past year, but 18% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-24% over three years and +0.8% over five), behind 70% of the market.

The stock is underperforming over three months (-11%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on UnitedHealth. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

UNHUnitedHealth Group

Revenue FY25$400B

GROWTH RATING↗

WEAK26 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%7

Revenue, next 1Y-0%2

Revenue, next 3Y, CAGR+3%2

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+29%8

EPS growth, FY27E+12%7

EPS growth, FY28E+14%7

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 11%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Earnings are set to grow faster than sales (EPS about 14%/yr vs revenue 3%/yr), so margins should widen.

WATCH

Revenue grew 11%/yr over the last 3 years; forecasts see it cooling to 3%/yr.

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 74% of companies worldwide.

Revenue is set to grow 3%/yr over the next 3 years, behind most of the market.3/10

BOTTOM LINE

Margin Expander

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK27 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%5

3-month return-11%3

YTD return+16%7

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+4%5

3-year return-24%2

5-year return+1%4

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming so far this year (+16%).

WATCH

It's up 4% over the past year, but 18% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-24% over three years and +0.8% over five), behind 70% of the market.

The stock is underperforming over three months (-11%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on UnitedHealth. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community