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

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Red Flags Identified


5

Total Checks Done


25

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
  • 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

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 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

Business Trends last 3 years beta

Score 10.0 / 10.0

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

  • 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
  • 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']
  • cashToCapex running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 10.06 wrt mean ratio: 7.53']

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 5.0 / 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
  • 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

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

1. Showing SPECIAL_REPORT 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 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 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 owner_earnings 19.69B 24.62B 22.48B 19.09B 19.44B 15.70B 13.01B 10.98B 7.61B 7.78B 6.21B 5.35B 5.66B 5.50B 5.07B 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 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 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 ebitda 36.39B 36.33B 31.84B 27.07B 25.30B 22.41B 19.77B 17.45B 14.98B 12.71B 11.75B 11.00B 10.56B 9.59B 8.93B 6.36B
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 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 owner_earningsToInterest 23.52 32.27 43.31 42.70 53.13 39.24 32.86 41.42 135.80 141.42 112.89 111.52 8.96 10.89 10.54 0.0
UNH cashflow::operatingToInterest 28.92 38.10 50.49 49.98 60.58 46.16 39.68 51.31 174.91 177.09 146.38 145.65 11.32 13.80 13.04 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 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 inventoryTurnover inf inf inf inf inf inf inf inf inf inf inf inf inf inf inf 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)

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 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 ppnenet 11.47 12.38 10.84 9.52 9.09 9.19 8.79 7.29 6.20 5.10 4.55 3.99 3.84 2.35 1.96 0.0
UNH owner_earnings 21.39 26.62 24.06 20.27 20.49 16.57 13.53 11.41 7.99 8.16 6.39 5.32 5.52 5.14 4.53 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 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 marketcap 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 ev 559.77 556.27 585.41 505.01 357.77 303.33 253.35 218.40 165.21 124.46 96.66 72.89 53.05 43.42 30.89 24.26
UNH ebitda 39.54 39.28 34.07 28.74 26.66 23.65 20.55 18.14 15.74 13.34 12.09 10.93 10.29 8.96 7.97 5.44
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 capex 3.80 3.66 3.00 2.61 2.16 2.19 2.14 2.10 1.79 1.63 1.57 1.30 1.04 1.00 0.78 0.0
UNH depreciation 4.45 4.29 3.64 3.29 3.05 2.87 2.52 2.33 2.16 1.78 1.52 1.37 1.27 1.05 0.95 0.0
UNH inventoryTurnover 0.11 0.11 0.11 0.11 0.11 0.11 0.10 0.10 0.11 0.10 0.10 0.10 0.10 0.09 0.09 0.09
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 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 ppnenet 2.64% 3.08% 3.12% 3.12% 3.35% 3.59% 3.74% 3.49% 3.19% 3.09% 3.39% 3.27% 3.56% 2.47% 2.34% 0.0
UNH owner_earnings 4.92% 6.63% 6.93% 6.64% 7.56% 6.48% 5.75% 5.46% 4.11% 4.95% 4.76% 4.37% 5.12% 5.40% 5.38% 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 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 marketcap 115.81% 128.46% 147.60% 156.82% 121.69% 106.41% 96.37% 94.65% 72.88% 62.03% 64.41% 52.04% 41.70% 43.45% 34.60% 32.52%
UNH ev 128.70% 138.45% 168.74% 165.39% 132.01% 118.68% 107.73% 104.45% 85.07% 75.51% 72.01% 59.86% 49.25% 45.61% 36.75% 32.52%
UNH ebitda 9.09% 9.78% 9.82% 9.41% 9.84% 9.25% 8.74% 8.68% 8.11% 8.09% 9.01% 8.98% 9.55% 9.41% 9.48% 7.30%
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 capex 0.87% 0.91% 0.86% 0.85% 0.80% 0.86% 0.91% 1.01% 0.92% 0.99% 1.17% 1.07% 0.97% 1.05% 0.93% 0.0
UNH depreciation 1.02% 1.07% 1.05% 1.08% 1.12% 1.12% 1.07% 1.12% 1.11% 1.08% 1.13% 1.12% 1.18% 1.10% 1.13% 0.0
UNH inventoryTurnover 0.02% 0.03% 0.03% 0.03% 0.04% 0.04% 0.04% 0.05% 0.05% 0.06% 0.08% 0.08% 0.09% 0.10% 0.11% 0.11%
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 ppnenet 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 3793.03% 3245.61% 3200.65% 3206.57% 2981.00% 2782.11% 2674.95% 2868.37% 3132.35% 3231.99% 2953.24% 3054.59% 2808.28% 4050.18% 4279.77%
UNH cash 239.86% 222.07% 461.39% 238.32% 196.16% 126.21% 128.47% 170.84% 176.75% 224.71% 169.65% 181.45% 213.40% 374.91% 414.68%
UNH ppnenet 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 owner_earnings 186.55% 215.05% 221.95% 212.83% 225.41% 180.32% 153.84% 156.51% 128.88% 160.01% 140.54% 133.49% 143.79% 218.69% 230.41%
UNH cashflow::operating 229.36% 253.87% 258.75% 249.11% 257.06% 212.12% 185.78% 193.87% 165.99% 200.37% 182.23% 174.34% 181.65% 277.06% 285.14%
UNH grossincome 3350.55% 2907.00% 2867.88% 2860.55% 2624.58% 2459.08% 2355.75% 2524.55% 2718.59% 2898.60% 2866.64% 2982.49% 2744.22% 3955.35% 4183.59%
UNH marketcap 4392.65% 4169.43% 4724.15% 5028.60% 3627.54% 2960.56% 2577.97% 2714.90% 2282.84% 2004.84% 1902.20% 1589.53% 1171.18% 1759.65% 1480.95%
UNH ev 4881.53% 4493.54% 5400.65% 5303.19% 3935.28% 3301.70% 2881.69% 2995.97% 2664.81% 2440.37% 2126.53% 1828.53% 1383.11% 1847.48% 1572.72%
UNH ebitda 344.79% 317.29% 314.33% 301.85% 293.25% 257.41% 233.77% 248.88% 253.94% 261.55% 266.00% 274.26% 268.16% 381.23% 405.82%
UNH equity 931.19% 824.64% 804.21% 836.72% 792.12% 694.35% 642.22% 710.58% 646.96% 693.79% 734.59% 801.72% 791.52% 1124.93% 1173.86%
UNH debt 728.74% 546.17% 1137.89% 512.91% 503.91% 467.35% 432.18% 451.90% 558.72% 660.23% 393.98% 420.45% 425.34% 462.74% 506.45%
UNH shares 8.80% 8.19% 9.38% 10.66% 11.00% 10.93% 11.39% 13.75% 16.13% 19.61% 22.00% 25.09% 26.07% 42.54% 50.91%
UNH shares_calc 8.72% 8.08% 9.23% 10.50% 11.00% 10.88% 11.37% 13.72% 16.13% 19.61% 22.00% 25.09% 26.07% 42.54% 50.91%
UNH capex 33.16% 29.57% 27.67% 27.36% 23.78% 23.79% 24.39% 28.85% 28.89% 32.01% 34.52% 32.59% 27.16% 42.43% 39.91%
UNH depreciation 38.84% 34.69% 33.57% 34.60% 33.51% 31.25% 28.71% 32.01% 34.82% 34.83% 33.45% 34.29% 33.23% 44.69% 48.36%
UNH inventoryTurnover 0.95% 0.87% 0.99% 1.11% 1.16% 1.15% 1.18% 1.43% 1.69% 2.06% 2.26% 2.49% 2.54% 3.98% 4.55%
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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