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UNH

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Insiders
Total bought
Total sold
Last activity
Last synced
2026-08-04 10:23:03 Synced via automated research pipeline

Insider holdings as a share of total assets aren't available for this company.

Price (1 year)

Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.

Market snapshot

Signal

Neutral signal Scored 2026-09-06

UNH presents a moderate earnings catalyst (score 60, confidence 0.65) driven by Q2 2026 beats and improved guidance, but this positive signal is significantly undermined by weak financial health scores (liquidity: 45…

The first sentence of the analysis written for UNH on 2026-09-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.

Financial ratios

MetricTrend2025-12-312024-12-312023-12-312022-12-312021-12-31
Gross Profit Margin18.5%22.3%24.5%24.6%24.2%
Ebit Margin4.2%6.0%8.7%8.8%8.3%
Ebitda Margin5.2%7.0%9.8%9.8%9.4%
Operating Profit Margin4.2%8.1%8.7%8.8%8.3%
Pretax Profit Margin3.3%5.0%7.8%8.1%7.8%
Continuous Operations Profit Margin2.9%3.8%6.2%6.4%6.2%
Net Profit Margin2.7%3.6%6.0%6.2%6.0%
Bottom Line Profit Margin2.7%3.6%6.0%6.2%6.0%
Current Ratio0.7880.8270.7920.7740.789
Quick Ratio0.7880.8270.7920.7740.789
Solvency Ratio0.0790.0950.1510.1480.150
Cash Ratio0.2120.2440.2570.2620.273
Price To Earnings Ratio24.95232.34422.36124.61427.394
Price To Earnings Growth Ratio-1.619-0.9201.8671.4062.176
Forward Price To Earnings Growth Ratio-1.619-0.9201.8671.4062.176
Price To Earnings Diluted Ratio24.95232.61522.60425.03227.773
Price To Earnings Diluted Growth Ratio-1.697-0.9321.7861.4602.172
Price To Book Ratio3.1925.0725.6396.3676.599
Price To Sales Ratio0.6711.1741.3471.5281.646
Price To Free Cash Flow Ratio18.68722.69719.48921.15823.808
Price To Operating Cash Flow Ratio15.25119.41617.21918.89621.193
Debt To Assets Ratio0.2530.2580.2460.2350.217
Debt To Equity Ratio0.8330.8300.7600.7410.641
Debt To Capital Ratio0.4540.4540.4320.4260.391
Long Term Debt To Capital Ratio0.4350.4380.3960.4120.371
Financial Leverage Ratio3.2903.2193.0843.1592.957
Working Capital Turnover Ratio-21.159-20.736-18.223-17.665-16.324
Operating Cash Flow Ratio0.1710.2330.2930.2940.285
Operating Cash Flow Sales Ratio0.0440.0600.0780.0810.078
Free Cash Flow Operating Cash Flow Ratio0.8160.8550.8840.8930.890
Debt Service Coverage Ratio2.1022.7513.5485.0234.260
Interest Coverage Ratio4.7398.2669.96913.59214.440
Short Term Operating Cash Flow Coverage Ratio3.2465.3255.4728.4266.172
Operating Cash Flow Coverage Ratio0.2510.3150.4310.4550.486
Capital Expenditure Coverage Ratio5.4386.9178.5859.3539.105
Dividend Paid And Capex Coverage Ratio1.7072.1942.8652.9802.889
Dividend Payout Ratio0.6570.5230.3020.2980.305
Enterprise Value Multiple15.37018.57614.93316.63118.400

Sparkline shows each ratio oldest → newest (left → right).

How the latest year compares

For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. higher lower

MetricCurrentvs 1Y agovs 5Y avg
Gross Profit Margin 18.5% -3.8% -4.3%
Ebit Margin 4.2% -1.8% -3.0%
Ebitda Margin 5.1% -1.9% -3.1%
Operating Profit Margin 4.2% -3.8% -3.4%
Pretax Profit Margin 3.3% -1.7% -3.1%
Continuous Operations Profit Margin 2.9% -0.9% -2.2%
Net Profit Margin 2.7% -0.9% -2.2%
Bottom Line Profit Margin 2.7% -0.9% -2.2%
Current Ratio 0.788 -0.038 -0.006
Quick Ratio 0.788 -0.038 -0.006
Solvency Ratio 0.079 -0.016 -0.045
Cash Ratio 0.212 -0.032 -0.037
Price To Earnings Ratio 24.952 -7.392 -1.381
Price To Earnings Growth Ratio -1.619 -0.699 -2.201
Forward Price To Earnings Growth Ratio -1.619 -0.699 -2.201
Price To Earnings Diluted Ratio 24.952 -7.663 -1.644
Price To Earnings Diluted Growth Ratio -1.697 -0.765 -2.255
Price To Book Ratio 3.192 -1.880 -2.182
Price To Sales Ratio 0.671 -0.503 -0.602
Price To Free Cash Flow Ratio 18.687 -4.010 -2.481
Price To Operating Cash Flow Ratio 15.251 -4.165 -3.144
Debt To Assets Ratio 0.253 -0.005 0.011
Debt To Equity Ratio 0.833 0.003 0.072
Debt To Capital Ratio 0.454 0.001 0.023
Long Term Debt To Capital Ratio 0.434 -0.004 0.024
Financial Leverage Ratio 3.290 0.070 0.148
Working Capital Turnover Ratio -21.159 -0.423 -2.338
Operating Cash Flow Ratio 0.171 -0.062 -0.084
Operating Cash Flow Sales Ratio 0.044 -0.017 -0.024
Free Cash Flow Operating Cash Flow Ratio 0.816 -0.039 -0.051
Debt Service Coverage Ratio 2.102 -0.649 -1.435
Interest Coverage Ratio 4.739 -3.527 -5.462
Short Term Operating Cash Flow Coverage Ratio 3.245 -2.080 -2.483
Operating Cash Flow Coverage Ratio 0.251 -0.064 -0.136
Capital Expenditure Coverage Ratio 5.438 -1.479 -2.441
Dividend Paid And Capex Coverage Ratio 1.707 -0.487 -0.820
Dividend Payout Ratio 0.657 0.134 0.240
Enterprise Value Multiple 15.370 -3.206 -1.412

Key metrics

MetricTrend20252024202320222021
Market cap$300.40B$469.94B$500.51B$495.19B$473.52B
Enterprise value$354.42B$521.54B$542.52B$529.45B$498.15B
EV / Sales0.79x1.30x1.46x1.63x1.73x
EV / Op. cash flow17.99x21.55x18.66x20.20x22.30x
EV / Free cash flow22.05x25.19x21.12x22.62x25.05x
EV / EBITDA15.37x18.58x14.93x16.63x18.40x
Net debt / EBITDA2.34x1.84x1.16x1.08x0.91x
Current ratio0.79x0.83x0.79x0.77x0.79x
Income quality1.54x1.59x1.30x1.30x1.29x
Graham number$176$187$228$201$177
Graham net-net-$154-$140-$125-$116-$96
Tax burden82.0%71.8%76.9%76.4%77.5%
Interest burden78.6%83.7%90.0%92.6%93.1%
Working capital-$24.32B-$17.99B-$20.62B-$20.17B-$16.53B
Invested capital$117.42B$122.56B$109.76B$97.71B$78.27B
Return on assets3.9%4.8%8.2%8.2%8.1%
Operating ROA6.2%11.3%12.5%12.4%11.7%
Return on tangible assets6.7%8.6%14.5%14.6%13.7%
Return on equity12.8%15.5%25.2%25.9%24.1%
Return on invested capital8.2%12.3%14.3%14.0%13.9%
Return on capital employed9.7%16.6%18.5%18.2%17.9%
Earnings yield4.0%3.1%4.5%4.1%3.7%
Free cash flow yield5.4%4.4%5.1%4.7%4.2%
Capex / Op. cash flow18.4%14.5%11.6%10.7%11.0%
Capex / Depreciation83.1%85.4%85.2%82.4%79.1%
Capex / Sales0.8%0.9%0.9%0.9%0.9%
SG&A / Sales0.0%0.0%0.0%0.0%0.0%
R&D / Sales0.0%0.0%0.0%0.0%0.0%
Stock comp / Sales0.2%0.3%0.3%0.3%0.3%
Intangibles / Total assets42.3%43.6%43.4%43.9%40.5%
Days sales outstanding43d44d38d34d36d
Days payables outstanding77d80d42d85d82d
Operating cycle43d44d38d34d36d
Cash conversion cycle-34d-36d-3d-50d-47d

Change by theme

Grouped by what each metric measures. Each figure is the change over the period shown — up down versus then.

Change over 1 year

Valuation
Market cap ▼-36.1%EV / Sales ▼-39.2%EV / EBITDA ▼-17.3%EV / Op. cash flow ▼-3.554Earnings yield ▲+0.009Graham number ▼-10.963
Profitability
Return on equity ▼-0.027Return on assets ▼-0.009Return on invested capital ▼-0.041Return on capital employed ▼-0.069Operating ROA ▼-0.050Income quality ▼-0.050Tax burden ▲+0.103
Efficiency
Days sales outstanding ▼-1.193Days payables outstanding ▼-3.054Operating cycle ▼-1.193Cash conversion cycle ▲+1.860Capex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.038Net debt / EBITDA ▲+0.505Working capital ▼-6325000000.000Invested capital ▼-5145000000.000Intangibles / Total assets ▼-0.013

Change over 5 years

Valuation
Market cap ▼-36.6%EV / Sales ▼-54.3%EV / EBITDA ▼-16.5%EV / Op. cash flow ▼-4.302Earnings yield ▲+0.004Graham number ▼-1.578
Profitability
Return on equity ▼-0.113Return on assets ▼-0.043Return on invested capital ▼-0.056Return on capital employed ▼-0.082Operating ROA ▼-0.055Income quality ▲+0.245Tax burden ▲+0.046
Efficiency
Days sales outstanding ▲+7.350Days payables outstanding ▼-4.830Operating cycle ▲+7.350Cash conversion cycle ▲+12.180Capex / Sales -0.000R&D / Sales n/a
Balance-sheet strength
Current ratio -0.000Net debt / EBITDA ▲+1.433Working capital ▼-7781000000.000Invested capital ▲+39146000000.000Intangibles / Total assets ▲+0.019

Employee count

Peer market caps

Congressional trades

Recent trades

DateRepresentativeTypeAmount
2026-07-10Dan NewhouseSale$1,001 - $15,000
2026-06-12Rich McCormickSale$1,001 - $15,000
2026-06-04Maria Elvira SalazarSale$1,001 - $15,000
2026-04-22Maria Elvira SalazarPurchase$1,001 - $15,000
2026-04-22Maria Elvira SalazarPurchase$1,001 - $15,000
2026-04-22Maria Elvira SalazarPurchase$1,001 - $15,000
2026-03-30Ro KhannaPurchase$1,001 - $15,000
2026-03-19Richard Dean Dr McCormickPurchase$1,001 - $15,000
2026-02-20Charles J. "Chuck" FleischmannPurchase$15,001 - $50,000
2026-02-10Gilbert CisnerosSale$15,001 - $50,000
2026-02-05Josh GottheimerPurchase$1,001 - $15,000
2026-01-29Ro KhannaSale$15,001 - $50,000
2026-01-13Ro KhannaSale$1,001 - $15,000
2025-12-23Kevin HernSale$250,001 - $500,000
2025-12-19Gilbert CisnerosPurchase$15,001 - $50,000
2025-12-18Julie JohnsonSale$1,001 - $15,000
2025-11-13Julie JohnsonSale$1,001 - $15,000
2025-11-12Gilbert CisnerosSale (Partial)$1,001 - $15,000
2025-11-05Rich McCormickPurchase$1,001 - $15,000
2025-11-04Michael McCaulPurchase$15,001 - $50,000
2025-10-09Gilbert CisnerosPurchase$1,001 - $15,000
2025-09-23Valerie HoyleSale (Full)$1,001 - $15,000
2025-09-18Rich McCormickSale$1,001 - $15,000
2025-09-05Gilbert CisnerosPurchase$1,001 - $15,000
2025-09-05Ro KhannaPurchase$15,001 - $50,000
2025-09-03Ro KhannaPurchase$1,001 - $15,000
2025-08-28Marjorie Taylor GreenePurchase$1,001 - $15,000
2025-08-26Ro KhannaPurchase$15,001 - $50,000
2025-08-15Tim MooreSale$50,001 - $100,000
2025-08-14Julie JohnsonSale$1,001 - $15,000
2025-08-08Tim MoorePurchase$15,001 - $50,000
2025-08-05Gilbert CisnerosSale (Partial)$15,001 - $50,000
2025-08-04Marjorie Taylor GreenePurchase$1,001 - $15,000
2025-08-01Tim MoorePurchase$1,001 - $15,000
2025-07-24Julie JohnsonSale$1,001 - $15,000
2025-07-21Tim MoorePurchase$1,001 - $15,000
2025-07-16Tim MoorePurchase$15,001 - $50,000
2025-06-24Lisa McClainSale (Full)$1,001 - $15,000
2025-06-17Lisa McClainPurchase$1,001 - $15,000
2025-05-30Gilbert CisnerosPurchase$1,001 - $15,000
2025-05-30Gilbert CisnerosPurchase$1,001 - $15,000
2025-05-27Julia LetlowSale (Full)$1,001 - $15,000
2025-05-20Michael McCaulPurchase$50,001 - $100,000
2025-05-16Michael McCaulPurchase$15,001 - $50,000
2025-05-16Marjorie Taylor GreenePurchase$1,001 - $15,000
2025-05-15Jared MoskowitzSale$1,001 - $15,000
2025-05-15Jared MoskowitzSale$1,001 - $15,000
2025-05-15Jared MoskowitzSale$1,001 - $15,000
2025-05-15Rob BresnahanSale$15,001 - $50,000
2025-05-14David TaylorSale$15,001 - $50,000
2025-05-14David TaylorSale$1,001 - $15,000
2025-05-14Marjorie Taylor GreenePurchase$15,001 - $50,000
2025-05-06Valerie HoyleSale (Partial)$1,001 - $15,000
2025-04-29Valerie HoylePurchase$1,001 - $15,000
2025-04-24Michael McCaulPurchase$15,001 - $50,000
2025-04-22Julia LetlowPurchase$1,001 - $15,000
2025-04-15Valerie HoylePurchase$1,001 - $15,000
2025-04-11Dan NewhouseSale (Partial)$1,001 - $15,000
2025-04-10John McGuirePurchase$1,001 - $15,000
2025-04-08Rob BresnahanPurchase$15,001 - $50,000
2025-03-31Gilbert CisnerosPurchase$15,001 - $50,000
2025-03-27Greg LandsmanSale$15,001 - $50,000
2025-03-13Michael McCaulPurchase$15,001 - $50,000
2025-02-26Gilbert CisnerosSale$15,001 - $50,000
2025-02-24Jefferson ShreveSale (Full)$15,001 - $50,000
2025-01-24Valerie HoyleSale (Partial)$1,001 - $15,000
2025-01-24Gilbert CisnerosPurchase$15,001 - $50,000
2025-01-14Michael McCaulPurchase$15,001 - $50,000
2025-01-09Michael McCaulSale$50,001 - $100,000
2025-01-07Rick LarsenSale (Full)$1,001 - $15,000
2024-11-19Michael McCaulSale$50,001 - $100,000
2024-11-01Ro KhannaPurchase$1,001 - $15,000
2024-10-29Valerie HoylePurchase$1,001 - $15,000
2024-10-23Julia LetlowPurchase$1,001 - $15,000
2024-10-11Earl BlumenauerSale$15,001 - $50,000
2024-09-26Ritchie TorresPurchase$1,001 - $15,000
2024-09-04John JamesSale (Full)$1,001 - $15,000
2024-08-07Scott Mr FranklinPurchase$1,001 - $15,000
2024-05-03Michael McCaulPurchase$15,001 - $50,000
2024-05-03Michael McCaulPurchase$15,001 - $50,000
2024-04-12Mike KellySale$1,001 - $15,000
2024-03-25Michael McCaulExchange$250,001 - $500,000
2024-03-25Michael McCaulSale$250,001 - $500,000
2024-03-25Michael McCaulSale$250,001 - $500,000
2024-03-25Ro KhannaSale$1,001 - $15,000
2024-03-19Kevin HernPurchase$1,001 - $15,000
2024-03-19Kevin HernPurchase$1,001 - $15,000
2024-02-21Michael McCaulPurchase$100,001 - $250,000
2024-02-21Michael McCaulPurchase$100,001 - $250,000
2024-02-13Jared MoskowitzPurchase$1,001 - $15,000
2023-12-04John CurtisSale$1,001 - $15,000
2023-11-10John JamesPurchase$1,001 - $15,000
2023-10-26Ro KhannaSale$50,001 - $100,000
2023-10-24Greg StantonSale$1,001 - $15,000
2023-10-02Ro KhannaPurchase$1,001 - $15,000
2023-09-28Robert J. WittmanSale (Full)$1,001 - $15,000
2023-09-26Greg StantonPurchase$1,001 - $15,000
2023-09-19Kevin HernPurchase$1,001 - $15,000
2023-07-14Jared MoskowitzPurchase$1,001 - $15,000
2023-03-15Richard Dean Dr McCormickPurchase$1,001 - $15,000

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