UNH, buy or hold or sell?

**UnitedHealth Group (UNH) appears to be a solid investment option, and the current data supports a "hold" recommendation**. Here's a detailed analysis to back this conclusion: 1. **Financial Performance**: - UNH has demonstrated strong financial performance with a recent net income of $6.26 billion and a diluted EPS of $6.51. - The company's revenue growth rate, net income growth rate, and diluted EPS growth rate are positive, indicating a healthy business growth. |Ticker|Name|Date|Total Revenue|Net Income|Diluted EPS|code|market_code| |---|---|---|---|---|---|---|---| |UNH.N|UnitedHealth Group|2023 Q4|9.4427E10|5.675E9|5.83|UNH|169| |UNH.N|UnitedHealth Group|2024 Q1|9.9796E10|-1.221E9|-1.53|UNH|169| |UNH.N|UnitedHealth Group|2024 Q2|9.8855E10|4.421E9|4.54|UNH|169| |UNH.N|UnitedHealth Group|2024 Q3|1.0082E11|6.258E9|6.51|UNH|169| |Ticker|Name|Date|Net Income YoY|Total Revenue YoY|Diluted EPS YoY|Total Revenue|Net Income|Diluted EPS|code|market_code| |---|---|---|---|---|---|---|---|---|---|---| |UNH.N|UnitedHealth Group|2023 Q4|15.62754686226569|14.060178530445603|15.904572564612321|9.4427E10|5.675E9|5.83|UNH|169| |UNH.N|UnitedHealth Group|2024 Q1|-121.14651887772774|8.555329540633737|-125.71428571428571|9.9796E10|-1.221E9|-1.53|UNH|169| |UNH.N|UnitedHealth Group|2024 Q2|-21.849036591833126|6.406682238463773|-21.993127147766327|9.8855E10|4.421E9|4.54|UNH|169| |UNH.N|UnitedHealth Group|2024 Q3|3.64359059291156|9.1586275592512|4.3269230769230695|1.0082E11|6.258E9|6.51|UNH|169| 2. **Growth Projections**: - UNH's 3-year revenue CAGR is 13.67%, and its 3-year net income CAGR is 14.25%, suggesting a strong growth trajectory. - The company's diluted EPS has shown a significant growth rate of 14.88% over the same period. |Ticker|Name|Date|Total Revenue|Net Income|Diluted EPS|code|market_code| |---|---|---|---|---|---|---|---| |UNH.N|UnitedHealth Group|2021 Q4|7.3743E10|4.191E9|4.26|UNH|169| |UNH.N|UnitedHealth Group|2022 Q1|8.0149E10|5.148E9|5.27|UNH|169| |UNH.N|UnitedHealth Group|2022 Q2|8.0332E10|5.199E9|5.34|UNH|169| |UNH.N|UnitedHealth Group|2022 Q3|8.0894E10|5.384E9|5.55|UNH|169| |UNH.N|UnitedHealth Group|2022 Q4|8.2787E10|4.908E9|5.03|UNH|169| |UNH.N|UnitedHealth Group|2023 Q1|9.1931E10|5.774E9|5.95|UNH|169| |UNH.N|UnitedHealth Group|2023 Q2|9.2903E10|5.657E9|5.82|UNH|169| |UNH.N|UnitedHealth Group|2023 Q3|9.2361E10|6.038E9|6.24|UNH|169| |UNH.N|UnitedHealth Group|2023 Q4|9.4427E10|5.675E9|5.83|UNH|169| |UNH.N|UnitedHealth Group|2024 Q1|9.9796E10|-1.221E9|-1.53|UNH|169| 3. **Dividend Metrics**: - UNH offers a dividend yield of 1.6%, which is attractive for income-seeking investors. - The company has a history of consistent dividend payments, with a dividend continuous duration of 20 years. 4. **Technical Indicators**: - UNH's technical indicators are mixed, with a negative MACD of -4.8 and an RSI of 45.82, suggesting some bearish momentum. - The stock is currently trading below its 5-Day, 10-Day, and 20-Day moving averages, indicating a short-term downward trend. |Ticker|Name|Date|Moving Average|code|market_code| |---|---|---|---|---|---| |UNH.N|UnitedHealth Group|20241226|502.5940|UNH|169| |Ticker|Name|Date|Boll|RSI|KDJ|MACD|code|market_code| |---|---|---|---|---|---|---|---|---| |UNH.N|UnitedHealth Group|20241226|543.2000|45.8206|74.2239|-4.8037|UNH|169| 5. **Market Sentiment and Analyst Ratings**: - UNH has a current average price target of $511.15, with a consensus rating of "Buy", indicating positive analyst sentiment. - The company's stock has underperformed the S&P 500 in recent trading sessions, but this has also provided a potential buying opportunity. 6. **Fundamental Analysis**: - UNH gets a fundamental rating of 5 out of 10, indicating that the company's fundamentals are good but not exceptional. - Raymond James has recently added UNH to its Analyst Favorites list, highlighting the stock's current valuation as an attractive entry point. 7. **Recent News and Events**: - UNH has faced some negative press and investigations related to its business practices, which could impact investor sentiment. - However, the company's solid financial health and expected improvements in fundamentals suggest resilience to these challenges. In conclusion, UNH's strong financial performance, positive growth projections, and attractive dividend yield make it a compelling investment option. However, the negative technical indicators and recent news related to investigations and policy uncertainty suggest a cautious approach. The current data supports a "hold" recommendation, and investors should monitor the company's performance and any developments related to the investigations and policy changes.