UNH
UnitedHealth Group·NYSE
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6.92 / 10
Outperform
UNH's financial evaluation scores 6.9/10, reflecting solid fundamentals. Key strengths include a healthy quick ratio of 1.8458 and a high parent-company profit ratio of 94.136%, both ranking favorably. However, negative revenue-MV and PB-ROE factors signal valuation concerns, and declining earnings per share (basic: -15.46%, diluted: -14.70%) highlight growth challenges. Net cash flow from operations also contracted YoY (-18.62%), warranting caution. Overall, the company remains financially sound but faces operational headwinds.
Analysis Checks(7/10)
Revenue-MV
Value1.81
Score1/3
Weight3.60%
1M Return1.35%
Value1.81
Score1/3
Weight3.60%
1M Return1.35%
Net income-Revenue
Value-3.55
Score3/3
Weight20.44%
1M Return6.72%
Value-3.55
Score3/3
Weight20.44%
1M Return6.72%
PB-ROE
Value-0.07
Score0/3
Weight-0.48%
1M Return-0.18%
Value-0.07
Score0/3
Weight-0.48%
1M Return-0.18%
Net cash flow from operating activities (YoY growth rate %)
Value-18.62
Score3/3
Weight15.28%
1M Return5.35%
Value-18.62
Score3/3
Weight15.28%
1M Return5.35%
Asset-MV
Value-0.53
Score2/3
Weight14.54%
1M Return4.43%
Value-0.53
Score2/3
Weight14.54%
1M Return4.43%
Net profit attributable to parent company shareholders / Net profit (%)
Value94.14
Score2/3
Weight3.51%
1M Return1.42%
Value94.14
Score2/3
Weight3.51%
1M Return1.42%
Quick ratio
Value1.85
Score3/3
Weight5.63%
1M Return2.21%
Value1.85
Score3/3
Weight5.63%
1M Return2.21%
Basic earnings per share (YoY growth rate %)
Value-15.46
Score3/3
Weight18.11%
1M Return6.46%
Value-15.46
Score3/3
Weight18.11%
1M Return6.46%
Diluted earnings per share (YoY growth rate %)
Value-14.70
Score3/3
Weight19.26%
1M Return6.85%
Value-14.70
Score3/3
Weight19.26%
1M Return6.85%
Cash-MV
Value-1.27
Score0/3
Weight0.10%
1M Return0.04%
Value-1.27
Score0/3
Weight0.10%
1M Return0.04%
Revenue-MV
Value1.81
Score1/3
Weight3.60%
1M Return1.35%
Value1.81
Score1/3
Weight3.60%
1M Return1.35%
Net profit attributable to parent company shareholders / Net profit (%)
Value94.14
Score2/3
Weight3.51%
1M Return1.42%
Value94.14
Score2/3
Weight3.51%
1M Return1.42%
Net income-Revenue
Value-3.55
Score3/3
Weight20.44%
1M Return6.72%
Value-3.55
Score3/3
Weight20.44%
1M Return6.72%
Quick ratio
Value1.85
Score3/3
Weight5.63%
1M Return2.21%
Value1.85
Score3/3
Weight5.63%
1M Return2.21%
PB-ROE
Value-0.07
Score0/3
Weight-0.48%
1M Return-0.18%
Value-0.07
Score0/3
Weight-0.48%
1M Return-0.18%
Basic earnings per share (YoY growth rate %)
Value-15.46
Score3/3
Weight18.11%
1M Return6.46%
Value-15.46
Score3/3
Weight18.11%
1M Return6.46%
Net cash flow from operating activities (YoY growth rate %)
Value-18.62
Score3/3
Weight15.28%
1M Return5.35%
Value-18.62
Score3/3
Weight15.28%
1M Return5.35%
Diluted earnings per share (YoY growth rate %)
Value-14.70
Score3/3
Weight19.26%
1M Return6.85%
Value-14.70
Score3/3
Weight19.26%
1M Return6.85%
Asset-MV
Value-0.53
Score2/3
Weight14.54%
1M Return4.43%
Value-0.53
Score2/3
Weight14.54%
1M Return4.43%
Cash-MV
Value-1.27
Score0/3
Weight0.10%
1M Return0.04%
Value-1.27
Score0/3
Weight0.10%
1M Return0.04%
Is UNH undervalued or overvalued?
- UNH scores 6.92/10 on fundamentals and holds a Discounted valuation at present. Backed by its 11.80% ROE, 2.86% net margin, 20.79 P/E ratio, 2.46 P/B ratio, and -15.46% earnings growth, these metrics solidify its Outperform investment rating.
