UNH is UNDERVALUED SecDiverAI
Median Fair Price 427.01
Confidence: MEDIUM
Fair Price Range 264.54 - 596.22
1 Year Price target: $ 411.0 - $ 500.5
3 Year Price target: $ 380.75 - $ 687.59
Current Market Price: 318.5 as of 2025-06-13
Investment Value of 100 $ invested in UNH as compared to Market Index: SPY across historical periods[*does not include dividends]
Investment Period $ Value Today(UNH) $ Value Today(SPY) CAGR vs Market
9 years before $ 311.59 $ 208.39 13.46% vs SPY:8.5%
5 years before $ 117.11 $ 150.37 3.21% vs SPY:8.5%
3 years before $ 66.51 $ 127.73 -12.71% vs SPY:8.5%
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We have 4 report results for ticker: UNH - UnitedHealth Group Incorporated, also organized by 1 group tags below ... Bargain Finder: Related Companies Portfolio Health: Related Companies

Business Checklist for UNH from SecDiver AI beta Free for Limited Time

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Red Flags Identified


18

Total Checks Done


53

Wall Street Drivers beta

📊 Professional Investors(wallstreet) pay a lot of heed at these numbers, long term history matters - specially 9+ year trends
Score 9.0 / 10.0

  • revenue cagr for last 9 years
  • insight: ['11.57 is greater than equal to 5']
  • mental_model: We prefer growing Business which grow >= 5% YoY, better than GDP growth of >= 2-3%
  • cashflows cagr for last 9 years
  • insight: ['13.93 is greater than equal to 5']
  • mental_model: We prefer growing Business which generate cashflows >= 5% YoY, for some industries like finance specially Banks this might be lower/red and its OK for them
  • operating profits cagr for last 9 years
  • insight: ['13.03 is greater than equal to 5']
  • mental_model: We prefer growing Business which generate operating profits >= 5% YoY
  • shares outstanding cagr for last 9 years
  • insight: ['-0.59 is less than equal to 2']
  • mental_model: As a business owner equity is important, We want less dilution over years OR it should reduce so our share of business increases with time, less than 2% is ideal, >=10% is potentially bad be careful
  • net profits cagr for last 9 years
  • insight: ['14.55 is greater than equal to 5']
  • mental_model: We prefer growing Business which generate net profits >= 5% YoY
  • debt cagr for last 9 years
  • insight: ['16.43 is NOT less than equal to 2']
  • mental_model: We prefer Business with lower debt growth
  • sbc average for last 3 years
  • insight: ['0.04 is less than equal to 0.1']
  • mental_model: We prefer Business which has lower sbc % wrt cashflow operating
  • equity cagr for last 9 years
  • insight: ['12.03 is greater than equal to 5']
  • mental_model: We prefer growing Business having shareholder equity growth >= 5% YoY
  • interestCoverage average for last 3 years
  • insight: ['37.51 is greater than equal to 5']
  • mental_model: We prefer Business which can cover their interest payments with cashflows, for some industries like finance specially Banks this might be lower/red and its OK for them
  • leverage average for last 3 years
  • insight: ['3.2 is less than equal to 5', '3.2 is greater than equal to 0']
  • mental_model: We prefer Business which can pay their debts in less than 5 years using cashflows, for some industries like finance specially Banks this might be lower/red and its OK for them
  • interestRate average for last 3 years
  • insight: ['0.01 is less than equal to 0.05']
  • mental_model: We prefer lower interest rate than the current prevailing interest rates, we want long term debt profile too
  • roe_cashflow::operating average for last 3 years
  • insight: ['32.08 is greater than equal to 10']
  • mental_model: Good Business have return on equity >= 10%
  • roce_cashflow::operating average for last 3 years
  • insight: ['17.28 is greater than equal to 15']
  • mental_model: Good Business have return on capital >= 15%
  • roic_cashflow::operating average for last 3 years
  • insight: ['263.53 is greater than equal to 15']
  • mental_model: Good Business have return on invested capital >= 15%

Business Durability beta

🏰 Quality companies with moats show higher or stable trends, long term trends matters, Consistency is the Key
Score 9.0 / 10.0

  • margin cashflow running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.07 wrt mean ratio: 0.068']
  • margin operating running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.08 wrt mean ratio: 0.079']
  • margin net running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.05 wrt mean ratio: 0.051']
  • roa_cashflow::operating average for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 11.01 wrt mean ratio: 10.919']
  • mental_model: We want stability on increasing return on assets
  • roe_cashflow::operating average for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 32.08 wrt mean ratio: 30.845']
  • mental_model: We want stability on increasing return on equity
  • roce_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 17.28 wrt mean ratio: 18.411']
  • mental_model: We want stability on increasing return on capital employed
  • roic_cashflow::operating average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 263.53 wrt mean ratio: 240.877']
  • mental_model: We want stability on increasing return on invested capital
  • rotc_cashflow::operating average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 263.53 wrt mean ratio: 236.329']
  • mental_model: We want stability on increasing return on tangible capital

Valuation is the Key beta

💎 Buying Quality companies at cheap provides the right Margin of Safety in the longer term
Score 2.0 / 10.0

  • pe average for last 3 years
  • insight: ['24.74 is NOT less than equal to 15', '24.74 is greater than 0']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want lower number here when we are BUY mode, PE <=15 preferred
  • pocf average for last 3 years
  • insight: ['17.94 is NOT less than equal to 15', '17.94 is greater than 0']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want lower number here when we are BUY mode, POCF <=15 preferred
  • pb average for last 3 years
  • insight: ['5.22 is NOT less than equal to 2', '5.22 is greater than 0']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want lower number here when we are BUY mode, PB <=2 preferred
  • ps average for last 3 years
  • insight: ['1.31 is less than equal to 5', '1.31 is greater than 0']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want lower number here when we are BUY mode, PS <=5 preferred
  • evToEbitda average for last 3 years
  • insight: ['15.17 is NOT less than equal to 15', '15.17 is greater than 0']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want lower number here when we are BUY mode, evToEbitda <=15 preferred
  • evToOcf average for last 3 years
  • insight: ['19.95 is NOT less than equal to 15', '19.95 is greater than 0']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want lower number here when we are BUY mode, POCF <=15 preferred

Business Trends last 3 years beta

Score 7.0 / 10.0

  • receivables running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.06 wrt mean ratio: 0.044']
  • mental_model: receivables should always grow less with revenues otherwise there might be some payment/collection issues, Watch out
  • payables running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.09 wrt mean ratio: 0.092']
  • mental_model: the more this is the better, nothing bad about it.
  • capex running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.01 wrt mean ratio: 0.01']

Profits Matter beta

💰 Companies needs to have positive profits to reward its shareholders in the long term
Score 10.0 / 10.0

  • positive cashflows profits average for last 3 years
  • insight: ['26492666666.67 is greater than equal to 0']
  • mental_model: We want to see positive cashflows profits for last 3 years, Profits determine Stock prices in the long term
  • positive operating profits average for last 3 years
  • insight: ['31026666666.67 is greater than equal to 0']
  • mental_model: We want to see positive operating profits for last 3 years, Profits determine Stock prices in the long term
  • positive net profits average for last 3 years
  • insight: ['19675000000.0 is greater than equal to 0']
  • mental_model: We want to see positive net profits for last 3 years, GAAP net Profits determine Stock prices in the long term

Capital Allocation beta

🧠 Remember: Shareholders only gets rewarded if management does prudent capital allocation decisions
Score 10.0 / 10.0

  • capex to Cashflow running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.12 wrt mean ratio: 0.14']
  • depreciation to capex running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 1.18 wrt mean ratio: 1.175']
  • mental_model: Helps understand where the company is investing for the future, OR it has to replenish its assets to maintain business
  • stock based compensation to Cashflow running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.04 wrt mean ratio: 0.042']

Business Performance beta

Score 5.0 / 10.0

  • Operating Leverage Cashflow cagr for last 9 years
  • insight: ['Ratio is [1.2] for last 9 year ratio, threshold 0.9, value_1: 13.93, value_2: 11.57']
  • mental_model: We want Cashflow to grow atleast 90% of Revenue CAGR
  • Operating Leverage cagr for last 9 years
  • insight: ['Ratio is [1.13] for last 9 year ratio, threshold 0.9, value_1: 13.03, value_2: 11.57']
  • mental_model: We want Operating Income to grow atleast 90% of Revenue CAGR
  • Debt wrt Revenue cagr for last 9 years
  • insight: ['Ratio is [1.42] for last 9 year ratio, threshold 1, value_1: 16.43, value_2: 11.57']
  • mental_model: We want debt to grow less than revenue cagr
  • Debt wrt Equity cagr for last 9 years
  • insight: ['Ratio is [1.37] for last 9 year ratio, threshold 1, value_1: 16.43, value_2: 12.03']
  • mental_model: We want debt to grow less than equity cagr

Balance Sheet Quality beta

📈 Quality companies can withstand darkest hours, strong balance sheet is the key
Score 6.0 / 10.0

  • debtToCashflow running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 3.2 wrt mean ratio: 2.54']
  • debtToEquity running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.93 wrt mean ratio: 0.702']
  • interestCoverage average for last 3 years
  • insight: ['37.51 is greater than equal to 3']
  • mental_model: We prefer Business which can cover their interest payments
  • leverage average for last 3 years
  • insight: ['3.2 is less than equal to 5']
  • mental_model: We prefer Business which can pay their debts in less than 5 years
  • interestRate average for last 3 years
  • insight: ['0.01 is less than equal to 0.05']
  • mental_model: We prefer lower interest rate than the current prevailing interest rates, we want long term debt profile too

Taxes, Interest and Unearned beta

📈Note: this is a new one, so do not use this for now, we are looking at data
Score 10.0 / 10.0

  • income_tax running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: -0.02 wrt mean ratio: -0.013']

Valuation Insights Relative to History beta

Score 0.0 / 10.0

  • pe average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 24.74 wrt mean ratio: 16.545']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want stability on decreasing trend here
  • pocf average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 17.94 wrt mean ratio: 12.883']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want stability on decreasing trend here
  • pb average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 5.22 wrt mean ratio: 3.648']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want stability on decreasing trend here
  • ps average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 1.31 wrt mean ratio: 0.87']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want stability on decreasing trend here
  • evToEbitda average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 15.17 wrt mean ratio: 10.579']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want stability on decreasing trend here
  • evToOcf average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 19.95 wrt mean ratio: 14.398']
  • mental_model: It depends which side of the equation you are, Buy, Hold or Sell but typically We want stability on decreasing trend here

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1. Showing CASHFLOW_COMPARE_DETAIL report for UNH Current Market Price: 318.5 as of 2025-06-13
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
UNH StockMarketPrice 503.71 516.15 512.08 478.86 329.79 271.99 226.65 197.91 141.53 102.25 86.46 63.36 44.92 41.36 29.09 24.26
UNH YearPriceHigh 625.65 543.82 537.39 485.62 344.79 277.56 261.97 208.06 145.03 109.04 88.95 63.60 49.91 43.37 30.60 26.46
UNH YearPriceLow 429.51 431.99 425.08 301.26 174.43 190.03 187.15 138.04 93.45 81.87 58.54 42.54 40.66 29.30 21.70 12.86
UNH revenue 400.28B 371.62B 324.16B 287.60B 257.14B 242.16B 226.25B 201.16B 184.84B 157.11B 130.47B 122.49B 110.62B 101.86B 94.16B 87.14B
UNH assets 298.28B 273.72B 245.71B 212.21B 197.29B 173.89B 152.22B 139.06B 122.81B 111.38B 86.38B 81.88B 80.89B 67.89B 63.06B 0.0
UNH ppnenet 10.55B 11.45B 10.13B 8.97B 8.63B 8.70B 8.46B 7.01B 5.90B 4.86B 4.42B 4.01B 3.94B 2.52B 2.20B 0.0
UNH cashflow::operating 24.20B 29.07B 26.21B 22.34B 22.17B 18.46B 15.71B 13.60B 9.79B 9.74B 8.05B 6.99B 7.16B 6.97B 6.27B 0.0
UNH netincome 15.24B 23.14B 20.64B 17.73B 15.77B 14.24B 12.38B 10.82B 7.07B 5.87B 5.62B 5.67B 5.53B 5.14B 4.63B 3.82B
UNH operatingincome 32.29B 32.36B 28.43B 23.97B 22.41B 19.68B 17.34B 15.21B 12.93B 11.02B 10.27B 9.62B 9.25B 8.46B 7.86B 6.36B
UNH marketcap 463.56B 477.40B 478.46B 451.01B 312.91B 257.69B 218.05B 190.40B 134.71B 97.46B 84.04B 63.74B 46.13B 44.26B 32.58B 28.34B
UNH ev 515.15B 514.51B 546.98B 475.64B 339.46B 287.38B 243.73B 210.11B 157.25B 118.63B 93.95B 73.32B 54.48B 46.46B 34.60B 28.34B
UNH equity 98.27B 94.42B 81.45B 75.05B 68.33B 60.44B 54.32B 49.83B 38.18B 33.73B 32.45B 32.15B 31.18B 28.29B 25.82B 0.0
UNH debt 76.90B 62.54B 115.25B 46.00B 43.47B 40.68B 36.55B 31.69B 32.97B 32.09B 17.41B 16.86B 16.75B 11.64B 11.14B 0.0
UNH interest_expense 0.84B 0.76B 0.52B 0.45B 0.37B 0.40B 0.40B 0.27B 0.06B 0.06B 0.06B 0.05B 0.63B 0.51B 0.48B 0.55B
UNH interestRate 0.01 0.01 0.0 0.01 0.01 0.01 0.01 0.01 0.0 0.0 0.0 0.0 0.04 0.04 0.04 inf
UNH shares_calc 0.92B 0.92B 0.93B 0.94B 0.95B 0.95B 0.96B 0.96B 0.95B 0.95B 0.97B 1.01B 1.03B 1.07B 1.12B 1.17B
UNH income_tax -4.83B -5.97B -5.70B -4.58B -4.97B -3.74B -3.56B -3.20B -4.79B -4.36B -4.04B -3.24B 3.10B 2.82B 2.75B -1.99B
UNH sbc 1.02B 1.06B 0.93B 0.80B 0.68B 0.70B 0.64B 0.60B 0.48B 0.41B 0.36B 0.33B 0.42B 0.40B 0.33B 0.0
UNH capex 3.50B 3.39B 2.80B 2.45B 2.05B 2.07B 2.06B 2.02B 1.71B 1.56B 1.52B 1.31B 1.07B 1.07B 0.88B 0.0
UNH depreciation 4.10B 3.97B 3.40B 3.10B 2.89B 2.72B 2.43B 2.25B 2.06B 1.69B 1.48B 1.38B 1.31B 1.12B 1.06B 0.0
UNH payables 34.34B 32.40B 29.06B 24.64B 22.50B 21.69B 19.89B 17.87B 16.39B 14.33B 12.04B 11.57B 11.00B 9.80B 9.22B 0.0
UNH receivables 26.09B 21.28B 17.68B 14.22B 12.87B 11.82B 11.39B 9.57B 8.15B 6.80B 5.50B 4.00B 2.89B 2.29B 2.06B 0.0
UNH opLeverage -7.93 -0.84 5.92 -4.85 7.63 6.47 1.57 8.80 -0.33 -13.14 0.25 -6.74 0.73 -0.56 15.62 0.0
UNH opLeverageFlag 0.0 0.0 1.00 0.0 1.00 1.00 1.00 1.00 0.0 0.0 1.00 0.0 1.00 0.0 1.00 0.0
UNH evToEbitda 14.16 14.16 17.18 17.57 13.42 12.83 12.33 12.04 10.49 9.33 7.99 6.67 5.16 4.85 3.88 4.46
UNH evToOpIncome 15.96 15.90 19.24 19.84 15.15 14.60 14.05 13.81 12.16 10.76 9.14 7.62 5.89 5.49 4.40 4.46
UNH evToOcf 21.28 17.70 20.87 21.29 15.31 15.57 15.51 15.45 16.05 12.18 11.67 10.49 7.61 6.67 5.52 inf
UNH pocf 19.15 16.42 18.26 20.19 14.11 13.96 13.88 14.00 13.75 10.01 10.44 9.12 6.45 6.35 5.19 inf
UNH pe 30.41 20.63 23.18 25.44 19.84 18.10 17.61 17.59 19.05 16.61 14.96 11.24 8.35 8.61 7.03 7.41
UNH ps 1.16 1.28 1.48 1.57 1.22 1.06 0.96 0.95 0.73 0.62 0.64 0.52 0.42 0.43 0.35 0.33
UNH pb 4.72 5.06 5.87 6.01 4.58 4.26 4.01 3.82 3.53 2.89 2.59 1.98 1.48 1.56 1.26 inf
UNH roa_cfo 8.84% 11.83% 12.35% 11.33% 12.75% 12.13% 11.30% 11.07% 8.79% 11.28% 9.83% 8.64% 10.54% 11.05% 0.0 0.0
UNH roe_cfo 25.63% 35.69% 34.92% 32.70% 36.69% 33.99% 31.53% 35.61% 29.04% 30.01% 25.04% 22.42% 25.29% 26.98% 0.0 0.0
UNH roce_cfo 15.42% 14.78% 21.65% 19.99% 21.93% 20.32% 19.27% 19.11% 14.88% 19.53% 16.43% 14.59% 17.92% 18.85% 0.0 0.0
UNH roic_cfo 211.39% 287.01% 292.18% 259.02% 254.76% 218.29% 224.06% 230.40% 201.50% 220.46% 200.77% 177.48% 284.49% 316.73% 285.14% inf
UNH rotc_cfo 211.39% 287.01% 292.18% 259.02% 254.76% 218.29% 224.06% 230.40% 201.50% 220.46% 200.77% 177.48% 284.49% 316.73% 0.0 0.0
UNH margin_cfo 6.05% 7.82% 8.08% 7.77% 8.62% 7.62% 6.95% 6.76% 5.30% 6.20% 6.17% 5.71% 6.47% 6.84% 6.66% 0.0
UNH margin_op 8.07% 8.71% 8.77% 8.33% 8.71% 8.13% 7.67% 7.56% 7.00% 7.01% 7.87% 7.86% 8.37% 8.31% 8.35% 7.30%
UNH margin_net 3.81% 6.23% 6.37% 6.17% 6.13% 5.88% 5.47% 5.38% 3.83% 3.74% 4.31% 4.63% 5.00% 5.05% 4.92% 4.39%
UNH yield_cfo 5.22% 6.09% 5.48% 4.95% 7.09% 7.16% 7.21% 7.14% 7.27% 9.99% 9.58% 10.97% 15.51% 15.75% 19.25% 0.0
UNH yield_cashflow::operating_enterprise 4.70% 5.65% 4.79% 4.70% 6.53% 6.42% 6.45% 6.47% 6.23% 8.21% 8.57% 9.53% 13.13% 15.00% 18.13% 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

2. CAGR report Showing CASHFLOW_COMPARE_DETAIL report for UNH Current Market Price: 318.5 as of 2025-06-13
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry CAGR_9Y_ENDING_2024 CAGR_5Y_ENDING_2024 CAGR_3Y_ENDING_2024
UNH StockMarketPrice 19.38% 13.12% 1.70%
UNH YearPriceHigh 21.42% 17.65% 8.81%
UNH YearPriceLow 20.22% 17.71% 12.55%
UNH revenue 10.95% 10.57% 11.65%
UNH assets 11.57% 11.40% 12.02%
UNH ppnenet 8.99% 3.93% 5.57%
UNH cashflow::operating 10.64% 5.56% 2.70%
UNH netincome 11.19% 1.37% -4.92%
UNH operatingincome 12.69% 10.40% 10.44%
UNH marketcap 18.92% 12.46% 0.92%
UNH ev 17.72% 12.38% 2.70%
UNH equity 12.62% 10.21% 9.40%
UNH debt 10.20% 13.58% 18.68%
UNH interest_expense 35.32% 15.91% 23.26%
UNH interestRate inf 0.0 0.0
UNH shares_calc -0.39% -0.58% -0.77%
UNH income_tax -1.12% -4.97% -1.76%
UNH sbc 10.75% 7.87% 8.36%
UNH capex 9.42% 11.06% 12.55%
UNH depreciation 10.32% 8.55% 9.72%
UNH payables 10.20% 9.62% 11.69%
UNH receivables 16.11% 17.15% 22.43%
UNH opLeverage 5.77% -18.70% -15.12%
UNH opLeverageFlag 0.0 inf 0.0
UNH evToEbitda 4.74% 1.99% -6.94%
UNH evToOpIncome 4.48% 1.80% -7.00%
UNH evToOcf 6.40% 6.45% -0.02%
UNH pocf 7.47% 6.53% -1.75%
UNH pe 6.95% 10.93% 6.13%
UNH ps 7.21% 1.82% -9.60%
UNH pb 5.60% 2.07% -7.74%
UNH roa_cfo -2.67% -6.13% -7.94%
UNH roe_cfo -1.74% -5.49% -7.80%
UNH roce_cfo -2.59% -5.37% -8.29%
UNH roic_cfo -0.47% -0.64% -6.55%
UNH rotc_cfo -0.47% -0.64% -6.55%
UNH margin_cfo -0.27% -4.51% -8.00%
UNH margin_op 1.58% -0.15% -1.05%
UNH margin_net 0.21% -8.31% -14.84%
UNH yield_cfo -6.96% -6.12% 1.79%
UNH yield_cashflow::operating_enterprise -6.01% -6.05% 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

3. Rolling 5 yearly CAGR report Showing CASHFLOW_COMPARE_DETAIL report for UNH Current Market Price: 318.5 as of 2025-06-13
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry CAGR_5Y_2024 CAGR_5Y_2023 CAGR_5Y_2022 CAGR_5Y_2021 CAGR_5Y_2020 CAGR_5Y_2019 CAGR_5Y_2018 CAGR_5Y_2017 CAGR_5Y_2016 CAGR_5Y_2015 CAGR_5Y_2014
UNH ppnenet 3.93% 6.24% 7.63% 8.73% 12.15% 14.52% 16.10% 12.23% 18.60% 17.18% inf
UNH cashflow::operating 5.56% 13.09% 14.02% 17.93% 17.88% 18.06% 17.58% 13.70% 7.05% 9.20% inf
UNH netincome 1.37% 13.33% 13.78% 20.18% 21.86% 20.44% 16.89% 14.39% 6.58% 4.84% 8.01%
UNH operatingincome 10.40% 13.28% 13.33% 13.14% 15.25% 13.89% 12.50% 10.45% 8.84% 6.98% 10.07%
UNH marketcap 12.46% 16.97% 20.24% 27.34% 26.28% 25.12% 27.89% 32.78% 24.94% 24.50% 24.29%
UNH ev 12.38% 16.12% 21.09% 24.78% 23.40% 25.06% 27.16% 30.99% 27.61% 27.94% 27.09%
UNH equity 10.21% 11.69% 10.33% 14.47% 15.17% 13.24% 11.06% 9.83% 6.18% 5.48% inf
UNH debt 13.58% 11.34% 29.46% 6.89% 6.25% 18.50% 16.74% 13.60% 23.15% 23.56% inf
UNH interest_expense 15.91% 14.02% 14.39% 51.50% 46.09% 48.71% 52.51% -15.96% -35.59% -35.19% -36.93%
UNH interestRate 0.0 0.0 inf inf inf inf inf -24.21% inf inf inf
UNH shares_calc -0.58% -0.78% -0.58% -0.21% -0.09% -0.51% -0.89% -1.30% -2.31% -3.18% -3.61%
UNH income_tax -4.97% -9.81% -10.92% 0.91% -2.58% 1.53% -1.87% -19.55% -17.32% -17.58% -13.23%
UNH sbc 7.87% 10.67% 9.15% 10.53% 10.83% 13.87% 14.02% 7.24% 3.88% 4.49% inf
UNH capex 11.06% 10.42% 6.73% 7.55% 5.68% 6.31% 9.56% 13.59% 9.83% 12.13% inf
UNH depreciation 8.55% 10.34% 8.66% 8.59% 11.30% 12.97% 12.04% 11.39% 12.83% 9.73% inf
UNH payables 9.62% 10.25% 10.21% 8.50% 9.44% 12.49% 11.44% 10.18% 10.84% 9.22% inf
UNH receivables 17.15% 13.32% 13.07% 11.76% 13.61% 16.55% 23.29% 27.06% 28.86% 26.97% inf
UNH opLeverage -18.70% -23.71% -7.62% -41.58% 20.88% 91.69% 17.43% 64.53% 11.16% -20.70% inf
UNH opLeverageFlag inf inf 0.0 0.0 inf 0.0 inf 0.0 0.0 inf inf
UNH evToEbitda 1.99% 2.81% 7.37% 10.87% 7.54% 9.93% 13.08% 18.47% 16.68% 19.18% 12.37%
UNH evToOpIncome 1.80% 2.50% 6.86% 10.29% 7.08% 9.82% 13.02% 18.58% 17.24% 19.58% 15.43%
UNH evToOcf 6.45% 2.68% 6.20% 5.81% 4.68% 5.94% 8.14% 15.21% 19.20% 17.15% -95.89%
UNH pocf 6.53% 3.42% 5.46% 7.99% 7.11% 5.98% 8.76% 16.77% 16.71% 14.04% -95.98%
UNH pe 10.93% 3.22% 5.67% 5.96% 3.62% 3.88% 9.40% 16.07% 17.21% 18.76% 15.09%
UNH ps 1.82% 5.92% 9.27% 16.55% 14.50% 10.62% 13.05% 17.73% 11.17% 12.12% 14.17%
UNH pb 2.07% 4.76% 8.97% 11.23% 9.65% 10.46% 15.16% 20.88% 17.74% 18.06% -96.96%
UNH roa_cfo -6.13% 0.92% 2.21% 5.21% 2.48% 4.29% 5.51% 0.99% -4.47% inf inf
UNH roe_cfo -5.49% 2.51% -0.39% 2.40% 4.10% 6.30% 7.06% 7.08% 1.48% inf inf
UNH roce_cfo -5.37% -5.17% 2.53% 6.08% 2.35% 4.34% 5.72% 1.29% -4.62% inf inf
UNH roic_cfo -0.64% 5.08% 4.87% 5.15% 2.93% 1.69% 4.77% -4.13% -8.65% -5.02% -92.75%
UNH rotc_cfo -0.64% 5.08% 4.87% 5.15% 2.93% 1.69% 4.77% -4.13% -8.65% inf inf
UNH margin_cfo -4.51% 2.39% 3.63% 7.95% 6.81% 4.31% 4.01% 0.88% -4.97% -1.42% inf
UNH margin_op -0.15% 2.58% 3.01% 3.54% 4.44% 0.65% -0.49% -2.02% -3.37% -3.44% 1.52%
UNH margin_net -8.31% 2.64% 3.44% 10.01% 10.39% 6.41% 3.39% 1.48% -5.38% -5.34% -0.37%
UNH yield_cfo -6.12% -3.32% -5.15% -7.40% -6.63% -5.66% -8.05% -14.37% -14.33% -12.29% inf
UNH yield_cashflow::operating_enterprise -6.05% -2.61% -5.84% -5.48% -4.48% -5.61% -7.51% -13.20% -16.12% -14.65% inf
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

4. Rolling 9 yearly CAGR report Showing CASHFLOW_COMPARE_DETAIL report for UNH Current Market Price: 318.5 as of 2025-06-13
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry CAGR_9Y_2024 CAGR_9Y_2023 CAGR_9Y_2022 CAGR_9Y_2021 CAGR_9Y_2020 CAGR_9Y_2019 CAGR_9Y_2018
UNH marketcap 18.92% 21.29% 25.10% 28.83% 24.28% 25.83% 25.45%
UNH ev 17.72% 20.80% 25.02% 27.22% 24.73% 26.52% 27.01%
UNH equity 12.62% 12.60% 10.88% 10.25% 10.29% 9.91% inf
UNH debt 10.20% 15.27% 23.81% 11.88% 15.77% 15.48% inf
UNH interest_expense 35.32% 33.94% 30.28% -3.78% -3.51% -2.03% -3.60%
UNH interestRate inf inf 0.0 -14.28% -14.28% -14.28% -92.26%
UNH shares_calc -0.39% -0.55% -0.82% -0.96% -1.33% -1.84% -2.13%
UNH income_tax -1.12% -4.25% -6.08% -10.36% -9.94% -10.58% -6.28%
UNH sbc 10.75% 12.60% 12.10% 7.39% 6.03% 8.81% inf
UNH capex 9.42% 9.27% 8.84% 9.66% 7.53% 10.00% inf
UNH depreciation 10.32% 11.61% 10.58% 10.06% 11.07% 10.99% inf
UNH payables 10.20% 11.62% 10.77% 9.37% 9.67% 9.97% inf
UNH receivables 16.11% 16.22% 17.96% 19.37% 21.12% 21.42% inf
UNH opLeverage 5.77% -8.83% 12.46% -8.16% 35.72% -9.33% inf
UNH opLeverageFlag 0.0 inf inf inf inf 0.0 inf
UNH evToEbitda 4.74% 6.56% 11.08% 14.58% 11.97% 14.21% 11.96%
UNH evToOpIncome 4.48% 6.34% 10.84% 14.45% 11.94% 14.26% 13.60%
UNH evToOcf 6.40% 4.74% 7.94% 12.11% 9.67% 12.21% -82.49%
UNH pocf 7.47% 5.16% 8.02% 13.52% 9.28% 11.62% -82.70%
UNH pe 6.95% 3.64% 8.37% 13.18% 9.72% 11.08% 10.10%
UNH ps 7.21% 8.01% 12.32% 15.78% 12.28% 13.10% 12.60%
UNH pb 5.60% 7.73% 12.83% 16.85% 12.71% 14.49% -84.93%
UNH roa_cfo -2.67% 2.08% 4.05% 0.81% 1.60% inf inf
UNH roe_cfo -1.74% 4.02% 5.05% 2.90% 3.47% inf inf
UNH roce_cfo -2.59% -1.17% 4.48% 1.22% 1.70% inf inf
UNH roic_cfo -0.47% 4.05% 5.70% -1.04% -2.39% -2.92% -76.44%
UNH rotc_cfo -0.47% 4.05% 5.70% -1.04% -2.39% inf inf
UNH margin_cfo -0.27% 2.67% 3.93% 2.06% 2.60% 1.51% inf
UNH margin_op 1.58% 1.13% 1.22% -0.05% 0.52% -0.30% 0.55%
UNH margin_net 0.21% 4.18% 3.61% 2.36% 2.18% 2.00% 2.47%
UNH yield_cfo -6.96% -4.91% -7.42% -11.92% -8.49% -10.41% inf
UNH yield_cashflow::operating_enterprise -6.01% -4.52% -7.36% -10.79% -8.83% -10.89% inf
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)


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