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 3 report results for ticker: UNH - UnitedHealth Group Incorporated, also organized by 3 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


0

Total Checks Done


9

Wall Street Drivers beta

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

Business Durability beta

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

  • 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']

Profits Matter beta

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

  • 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

Business Performance beta

Score 10.0 / 10.0

  • 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

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1. Showing INCOME_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 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 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 grossincome 353.58B 332.85B 290.46B 256.56B 226.40B 214.04B 199.25B 177.05B 160.42B 140.90B 126.65B 119.60B 108.09B 99.48B 92.04B 85.37B
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 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 margin_gross 88.33% 89.57% 89.60% 89.21% 88.04% 88.39% 88.07% 88.01% 86.79% 89.68% 97.07% 97.64% 97.72% 97.66% 97.75% 97.97%
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%
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 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 netincome 16.56 25.02 22.09 18.83 16.62 15.03 12.87 11.25 7.43 6.16 5.78 5.64 5.38 4.81 4.14 3.27
UNH operatingincome 35.08 34.98 30.43 25.45 23.61 20.78 18.03 15.81 13.58 11.56 10.57 9.57 9.01 7.91 7.02 5.44
UNH grossincome 384.21 359.87 310.87 272.40 238.61 225.92 207.11 184.03 168.55 147.83 130.30 118.88 105.25 92.97 82.18 73.09
UNH interest_expense 0.91 0.82 0.56 0.47 0.39 0.42 0.41 0.28 0.06 0.06 0.06 0.05 0.62 0.47 0.43 0.47
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
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 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 netincome 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 operatingincome 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 grossincome 88.33% 89.57% 89.60% 89.21% 88.04% 88.39% 88.07% 88.01% 86.79% 89.68% 97.07% 97.64% 97.72% 97.66% 97.75% 97.97%
UNH interest_expense 0.21% 0.21% 0.16% 0.16% 0.14% 0.17% 0.18% 0.13% 0.03% 0.04% 0.04% 0.04% 0.57% 0.50% 0.51% 0.63%
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%
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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