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UNH

UnitedHealth Group Incorporated

US$365.20-2.60% (-US$9.74)
Day's range
US$365.72 – US$374.93
Day's volume
US$1.7bn
52-week range
US$255.97 – US$433.68

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UNH in numbers

Market cap
US$329.5bn
P/E
23.21
Dividend yield (12m)
2.48%
Net debt/EBITDA
1.47

The 12-month dividend yield of UNH is 2.48%, above its 5-year average of 1.59%.

UNH price history

02/10/202501/10/2026
Compare with

UNH risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return+10.33%-27.01%-12.74%
Volatility (annualised)43.46%41.43%34.01%
Largest drawdown-19.63%-58.48%-58.48%
Positive months5/1217/3627/60

How much did investing in UNH return?

US$1,000.00 invested on 01/09/2021 would be worth US$1,028.30 today.

Value today in UNH
US$1,028.30
Return over the period
+2.83%
Return per year
+0.56%
In the S&P 500
US$1,776.31

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

UNH fundamentals

Valuation

  • P/E
    23.21
  • P/B
    —
  • EV/EBITDA
    14.16
  • EV/EBIT
    16.96
  • EV/Revenue
    0.82
  • P/EBIT
    15.20
  • P/S
    0.73
  • P/OCF
    12.20
  • P/FCF
    13.95
  • Earnings yield
    5.90%
  • PEG ratio
    —
  • Earnings per share
    US$15.73
  • Book value per share
    —

Debt

  • Net debt
    US$38bn
  • Net debt/EBITDA
    1.47
  • Net debt/Equity
    —
  • Debt/Equity
    —
  • Current ratio
    0.78
  • Quick ratio
    —
  • Cash ratio
    0.28

Efficiency

  • Gross margin
    88.57%
  • EBITDA margin
    5.77%
  • Operating margin
    4.82%
  • Net margin
    3.14%
  • Asset turnover
    1.45

Profitability

  • ROE
    —
  • ROA
    4.56%
  • ROIC
    —
  • Payout
    57.59%

Growth

  • Revenue CAGR (5 years)
    10.59%
  • Earnings CAGR (5 years)
    -0.54%
  • Revenue growth (year)
    —
  • Earnings growth (year)
    —
  • Revenue growth (quarter)
    —
  • Earnings growth (quarter)
    —

What is UNH's fair price?

Two classic value formulas, with today's numbers. The current price is US$365.20.

Graham's fair price
—
UNH's earnings per share and book value per share are not available, so the formula cannot be calculated.

Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.

Bazin's ceiling price
US$120.67
66.96% below the price

US$7.24 (5-year average) ÷ 6%

Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.

Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.

UNH indicators by year

Multiples at each year's closing price; margins and returns from that year's accounts.

Indicator20252024202320222021202020192018
P/E24.8532.1221.6924.5827.3321.5220.1519.94
EV/EBITDA14.7413.9114.1516.3718.2714.0413.6313.21
Dividend yield2.64%1.62%1.38%1.21%1.12%1.38%1.41%1.38%
Earnings per shareUS$13.28US$15.75US$24.28US$21.57US$18.37US$16.29US$14.59US$12.49
Gross margin88.68%88.33%89.57%89.60%89.21%88.04%88.39%88.07%
EBITDA margin5.21%9.09%9.78%9.82%9.41%9.84%9.25%8.74%
Net margin2.69%3.60%6.02%6.21%6.01%5.99%5.71%5.30%
Net debt/EBITDA1.891.190.790.840.820.941.181.12

UNH financial statements

Line202520242023202220212020
Net revenueUS$447.6bnUS$400.3bnUS$371.6bnUS$324.2bnUS$287.6bnUS$257.1bn
Cost of sales-US$50.7bn-US$46.7bn-US$38.8bn-US$33.7bn-US$31bn-US$30.7bn
Gross profitUS$396.9bnUS$353.6bnUS$332.9bnUS$290.5bnUS$256.6bnUS$226.4bn
EBITDAUS$23.3bnUS$36.4bnUS$36.3bnUS$31.8bnUS$27.1bnUS$25.3bn
EBITUS$19bnUS$32.3bnUS$32.4bnUS$28.4bnUS$24bnUS$22.4bn
Net finance result——————
Profit before taxUS$14.7bnUS$20.1bnUS$29.1bnUS$26.3bnUS$22.3bnUS$20.7bn
Income tax-US$1.9bn-US$4.8bn-US$6bn-US$5.7bn-US$4.6bn-US$5bn
Net incomeUS$12.1bnUS$14.4bnUS$22.4bnUS$20.1bnUS$17.3bnUS$15.4bn

Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.

Does UNH pay dividends?

Dividend yield per year

  • 1.30%2017
  • 1.38%2018
  • 1.41%2019
  • 1.38%2020
  • 1.12%2021
  • 1.21%2022
  • 1.38%2023
  • 1.62%2024
  • 2.64%2025
  • 1.87%2026
Payment history
TypeLast day to ownPaymentPer share
Dividend11/09/202622/09/2026US$2.32
Dividend12/06/202623/06/2026US$2.32
Dividend06/03/202617/03/2026US$2.21
Dividend05/12/202516/12/2025US$2.21
Dividend12/09/202523/09/2025US$2.21
Dividend13/06/202524/06/2025US$2.21
Dividend07/03/202518/03/2025US$2.10
Dividend06/12/202417/12/2024US$2.10
Dividend13/09/202424/09/2024US$2.10
Dividend14/06/202425/06/2024US$2.10
Dividend07/03/202419/03/2024US$1.88
Dividend30/11/202312/12/2023US$1.88
See all 40 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Dividend07/09/202319/09/2023US$1.88
Dividend15/06/202327/06/2023US$1.88
Dividend09/03/202321/03/2023US$1.65
Dividend01/12/202213/12/2022US$1.65
Dividend08/09/202220/09/2022US$1.65
Dividend15/06/202228/06/2022US$1.65
Dividend10/03/202222/03/2022US$1.45
Dividend02/12/202114/12/2021US$1.45
Dividend09/09/202121/09/2021US$1.45
Dividend17/06/202129/06/2021US$1.45
Dividend11/03/202123/03/2021US$1.25
Dividend03/12/202015/12/2020US$1.25
Dividend10/09/202022/09/2020US$1.25
Dividend18/06/202030/06/2020US$1.25
Dividend12/03/202024/03/2020US$1.08
Dividend05/12/201917/12/2019US$1.08
Dividend12/09/201924/09/2019US$1.08
Dividend13/06/201925/06/2019US$1.08
Dividend07/03/201919/03/2019US$0.90
Dividend29/11/201813/12/2018US$0.90
Dividend05/09/201818/09/2018US$0.90
Dividend14/06/201826/06/2018US$0.90
Dividend07/03/201820/03/2018US$0.75
Dividend29/11/201712/12/2017US$0.75
Dividend06/09/201719/09/2017US$0.75
Dividend14/06/201727/06/2017US$0.75
Dividend07/03/201721/03/2017US$0.63
Dividend29/11/201613/12/2016US$0.63

About Unitedhealth Group Incorporated

Sector
Finance, insurance and real estate

Questions about UNH

How much is UNH today?

UNH is at US$365.20 (-2.60% on the day), last traded on 01/10/2026.

How much did UNH pay in dividends in 2025?

UNH paid US$8.73 per share in 2025, a dividend yield of 2.64%.

How much did UNH return in 12 months?

UNH returned 10.33% in 12 months, with annualised volatility of 43.46% and a largest drawdown of -19.63%.