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 4 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


7

Total Checks Done


29

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
  • 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
  • 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
  • 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
  • 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
  • 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 8.0 / 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']
  • cash average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 32489666666.67 wrt mean ratio: 15238743589.743']
  • mental_model: We want stability on cash growth
  • 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

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.
  • cash running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.09 wrt mean ratio: 0.069']
  • mental_model: cash trend should be similar or greater to revenue, if company is heavily reinvesting it might be OK, but do check

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

Capital Allocation beta

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

  • cashToRevenue running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.09 wrt mean ratio: 0.069']
  • cashToEquity running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.36 wrt mean ratio: 0.28']

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
  • Cash Cagr cagr for last 9 years
  • insight: ['Ratio is [1.31] for last 9 year ratio, threshold 0.9, value_1: 15.76, value_2: 12.03']
  • mental_model: We want Cash 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 3.0 / 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']
  • 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

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

  • unearned_revenue_balancesheet running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.01 wrt mean ratio: 0.01']

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We do NOT feel in CONTROL in the markets. Do we know why?

1. Showing BALANCE_SUMMARY report for UNH [show/hide charts] 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 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 cash 25.31B 25.43B 46.73B 21.38B 16.92B 10.98B 10.87B 11.98B 10.43B 10.92B 7.50B 7.28B 8.41B 9.43B 9.12B 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 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 shares 0.93B 0.94B 0.95B 0.96B 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 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 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 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 unearned_revenue_balancesheet 3.32B 3.35B 3.08B 2.57B 2.84B 2.62B 2.40B 2.27B 1.97B 2.14B 1.97B 1.60B 1.50B 1.23B 1.53B 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. Vertical Data, ratio wrt to shares_calc for UNH [show/hide charts] 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
UNH revenue 434.95 401.79 346.94 305.35 271.01 255.60 235.18 209.10 194.20 164.84 134.23 121.76 107.71 95.20 84.07 74.60
UNH assets 324.12 295.94 262.97 225.31 207.93 183.54 158.23 144.55 129.03 116.86 88.87 81.39 78.76 63.45 56.31 0.0
UNH cash 27.50 27.49 50.01 22.69 17.83 11.59 11.29 12.45 10.96 11.46 7.71 7.23 8.19 8.81 8.15 0.0
UNH cashflow::operating 26.30 31.43 28.05 23.72 23.37 19.49 16.33 14.13 10.29 10.22 8.28 6.95 6.97 6.51 5.60 0.0
UNH equity 106.78 102.09 87.17 79.68 72.01 63.79 56.46 51.80 40.11 35.38 33.39 31.96 30.36 26.44 23.06 0.0
UNH debt 83.57 67.61 123.34 48.84 45.81 42.94 38.00 32.94 34.64 33.67 17.91 16.76 16.31 10.88 9.95 0.0
UNH shares 1.01 1.01 1.02 1.02 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
UNH shares_calc 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
UNH payables 37.31 35.02 31.10 26.16 23.71 22.89 20.68 18.58 17.22 15.04 12.39 11.51 10.71 9.16 8.23 0.0
UNH receivables 28.35 23.00 18.92 15.09 13.56 12.48 11.84 9.95 8.56 7.14 5.66 3.97 2.81 2.14 1.84 0.0
UNH unearned_revenue_balancesheet 3.60 3.63 3.29 2.73 3.00 2.77 2.49 2.36 2.07 2.25 2.03 1.59 1.47 1.14 1.37 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. Vertical Data, ratio wrt to revenue for UNH [show/hide charts] 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
UNH revenue 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
UNH assets 74.52% 73.66% 75.80% 73.79% 76.72% 71.81% 67.28% 69.13% 66.44% 70.90% 66.21% 66.85% 73.12% 66.65% 66.98% 0.0
UNH cash 6.32% 6.84% 14.42% 7.43% 6.58% 4.54% 4.80% 5.96% 5.64% 6.95% 5.74% 5.94% 7.60% 9.26% 9.69% 0.0
UNH cashflow::operating 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 equity 24.55% 25.41% 25.13% 26.09% 26.57% 24.96% 24.01% 24.77% 20.65% 21.47% 24.87% 26.25% 28.19% 27.77% 27.43% 0.0
UNH debt 19.21% 16.83% 35.55% 16.00% 16.90% 16.80% 16.16% 15.75% 17.84% 20.43% 13.34% 13.76% 15.15% 11.43% 11.83% 0.0
UNH shares 0.23% 0.25% 0.29% 0.33% 0.37% 0.39% 0.43% 0.48% 0.52% 0.61% 0.74% 0.82% 0.93% 1.05% 1.19% 1.34%
UNH shares_calc 0.23% 0.25% 0.29% 0.33% 0.37% 0.39% 0.43% 0.48% 0.51% 0.61% 0.74% 0.82% 0.93% 1.05% 1.19% 1.34%
UNH payables 8.58% 8.72% 8.96% 8.57% 8.75% 8.96% 8.79% 8.88% 8.87% 9.12% 9.23% 9.45% 9.95% 9.62% 9.79% 0.0
UNH receivables 6.52% 5.73% 5.45% 4.94% 5.01% 4.88% 5.03% 4.76% 4.41% 4.33% 4.21% 3.26% 2.61% 2.25% 2.19% 0.0
UNH unearned_revenue_balancesheet 0.83% 0.90% 0.95% 0.89% 1.11% 1.08% 1.06% 1.13% 1.06% 1.36% 1.51% 1.31% 1.36% 1.20% 1.63% 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)

4. Vertical Data, ratio wrt to assets for UNH [show/hide charts] 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
UNH StockMarketPrice
UNH revenue 134.20% 135.77% 131.93% 135.53% 130.34% 139.26% 148.63% 144.66% 150.51% 141.05% 151.04% 149.59% 136.76% 150.04% 149.30%
UNH assets 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
UNH cash 8.49% 9.29% 19.02% 10.07% 8.58% 6.32% 7.14% 8.62% 8.49% 9.81% 8.68% 8.89% 10.39% 13.89% 14.47%
UNH cashflow::operating 8.11% 10.62% 10.67% 10.53% 11.24% 10.62% 10.32% 9.78% 7.98% 8.74% 9.32% 8.54% 8.85% 10.26% 9.95%
UNH equity 32.95% 34.50% 33.15% 35.36% 34.63% 34.76% 35.68% 35.84% 31.09% 30.28% 37.57% 39.26% 38.55% 41.67% 40.95%
UNH debt 25.78% 22.85% 46.90% 21.68% 22.03% 23.39% 24.01% 22.79% 26.85% 28.81% 20.15% 20.59% 20.71% 17.14% 17.67%
UNH shares 0.31% 0.34% 0.39% 0.45% 0.48% 0.55% 0.63% 0.69% 0.78% 0.86% 1.13% 1.23% 1.27% 1.58% 1.78%
UNH shares_calc 0.31% 0.34% 0.38% 0.44% 0.48% 0.54% 0.63% 0.69% 0.78% 0.86% 1.13% 1.23% 1.27% 1.58% 1.78%
UNH inventory 0.0 0.0 0.04% 0.05% 0.05% 0.06% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
UNH payables 11.51% 11.84% 11.83% 11.61% 11.40% 12.47% 13.07% 12.85% 13.35% 12.87% 13.94% 14.14% 13.60% 14.43% 14.62%
UNH receivables 8.75% 7.77% 7.20% 6.70% 6.52% 6.80% 7.48% 6.88% 6.64% 6.11% 6.36% 4.88% 3.57% 3.38% 3.27%
UNH unearned_revenue_balancesheet 1.11% 1.23% 1.25% 1.21% 1.44% 1.51% 1.57% 1.63% 1.60% 1.92% 2.28% 1.95% 1.86% 1.80% 2.43%
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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