A Business at a Glance
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CAUTIONARY STATEMENTS The statements, estimates, projections or outlook contained in this Annual Report on Form 10-K include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (PSLRA). When used in this Annual Report on Form 10-K and in future filings by us with the SEC, in our news releases, presentations to securities analysts or investors, and in oral statements made by or with the approval of one of our executive officers, the words “believe,” “expect,” “intend,” “estimate,” “anticipate,” “forecast,” “outlook,” “plan,” “project,” “should” or similar words or phrases are intended to identify such forward-looking statements. These statements are intended to take advantage of the “safe harbor” provisions of the PSLRA. These forward-looking statements involve risks and uncertainties which may cause our actual results to differ materially from the expectations expressed or implied in the forward-looking statements.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 447.6B | 447.6B | 400.3B | 371.6B | 324.2B | 287.6B |
| Net Income | 12.1B | 12.1B | 14.4B | 22.4B | 20.1B | 17.3B |
| EPS | $13.23 | $13.23 | $15.51 | $23.86 | $21.18 | $18.08 |
| Free Cash Flow | 16.1B | 16.1B | 20.7B | 25.7B | 23.4B | 19.9B |
| ROIC | 10.2% | 7.0% | 8.4% | 14.7% | 14.8% | 14.7% |
| Gross Margin | 18.5% | 18.5% | 22.3% | 24.5% | 24.6% | 24.2% |
| Debt/Equity | 0.84 | 0.84 | 0.83 | 0.71 | 0.75 | 0.66 |
| Dividends/Share | $8.69 | $8.73 | $8.18 | $7.29 | $6.40 | $5.60 |
| Operating Income | 19.0B | 19.0B | 32.3B | 32.4B | 28.4B | 24.0B |
| Operating Margin | 4.2% | 4.2% | 8.1% | 8.7% | 8.8% | 8.3% |
| ROE | 12.0% | 12.2% | 14.7% | 23.7% | 24.7% | 23.0% |
| Shares Outstanding | 911M | 911M | 929M | 938M | 950M | 956M |
UNITEDHEALTH GROUP INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
UNITEDHEALTH GROUP INC trades at 23.7x trailing earnings, compared to its 15-year median P/E of 20.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 17.7x vs a median of 17.6x. The company's 5-year average ROIC is 11.9% with a gross margin of 22.8%. Total shareholder yield (dividends + buybacks) is 4.7%. At current prices, the estimated annualized return to fair value is +4.8%.
UNITEDHEALTH GROUP INC (UNH) has a current P/E ratio of 23.7, compared to its historical median P/E of 20.5. The stock is currently considered Fair based on its historical valuation range.
UNITEDHEALTH GROUP INC (UNH) has a 5-year average return on invested capital (ROIC) of 11.9%. This indicates solid capital allocation.
UNITEDHEALTH GROUP INC (UNH) has a market capitalization of $285.2B. It is classified as a mega-cap stock.
Yes, UNITEDHEALTH GROUP INC (UNH) pays a dividend with a trailing twelve-month yield of 2.78%. The company also returns capital through share buybacks, with a buyback yield of 1.94%.
Based on historical P/E analysis, UNITEDHEALTH GROUP INC (UNH) appears fair. The current P/E of 23.7 is 15% above its historical median of 20.5. The estimated fair value CAGR (P/E method) is 6.3%.
UNITEDHEALTH GROUP INC (UNH) operates in the Hospital & Medical Service Plans industry, within the Financials sector.
UNITEDHEALTH GROUP INC (UNH) reported annual revenue of $447.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
UNITEDHEALTH GROUP INC (UNH) has a net profit margin of 2.7%. This is a modest margin.
UNITEDHEALTH GROUP INC (UNH) generated $16.1 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UNITEDHEALTH GROUP INC (UNH) has a debt-to-equity ratio of 0.84. This indicates moderate leverage.
UNITEDHEALTH GROUP INC (UNH) reported earnings per share (EPS) of $13.23 in its most recent fiscal year.
UNITEDHEALTH GROUP INC (UNH) has a return on equity (ROE) of 12.2%. This indicates moderate shareholder returns.
UNITEDHEALTH GROUP INC (UNH) has a 5-year average gross margin of 22.8%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 19 years of financial data for UNITEDHEALTH GROUP INC (UNH), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UNITEDHEALTH GROUP INC (UNH) has a book value per share of $109.84, based on its most recent annual SEC filing.