UnitedHealth Group Incorporated (UNH) fair value analysis
S&P 500 · Updated 2026-10-19
UNH price how computed
Forward Fair Value verdict
UndervaluedUNH is trading at a 10–25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $379.30
- Sector
- Healthcare
- 12-month range
- $259.02–$436.35
- Market cap
- $340B
- From 52-week high
- -13.1%
- Shares outstanding
- 898M
- Rank in Healthcare by discount to fair value
- #34 of 108
Last price is our 2026-10-19 weekly price; the chart runs through 2026-10-16.
UnitedHealth Group Incorporated is a diversified healthcare company that operates through two main segments: UnitedHealthcare, which provides health insurance coverage, and Optum, which delivers healthcare services, technology, and data analytics. The company operates across the United States and serves millions of customers through insurance plans, healthcare provider networks, pharmacy services, and health information platforms globally.
UNH currently ranks #34 of 108 Healthcare stocks by discount to fair value. It has screened as Undervalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $340B
- P/E (trailing)
- 19x
- Revenue (TTM)
- $450B
- Net margin
- 3.5%
- EPS (TTM)
- $20.41
- Gross margin
- 19.5%
- Debt / equity
- 0.71
- Revenue growth (3-yr avg)
- 6.4%
- Shares outstanding
- 898M
Derived indicators how computed
- Quality grade
- F
- Margin trend
- Expanding
- 52-week position
- The upper-middle quarter of its range
- DCF cross-check
- Overvalued
Technicals how computed
- RSI (14-day)
- 67 · neutral
- 50-day average
- $387.30
- 200-day average
- $359.10
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $9.06 per share (4 payments)
- Yield on last price
- 2.39%
- Consecutive years of increases
- 16
- Last ex-dividend date
- 2026-09-14
- Last payment date
- 2026-09-22
Earnings how computed
- Last 8 quarters vs consensus
- 5 beat, 2 missed
- Quarter by quarter
- 2026-09 ▲ beat (+13.8%)
2026-06 ▲ beat (+29.1%)
2026-03 ▲ beat (+9.5%)
2025-12 ▬ met (0.0%)
2025-09 ▲ beat (+3.9%)
2025-06 ▼ miss (-8.3%)
2025-03 ▼ miss (-1.2%)
2024-12 ▲ beat (+1.0%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 22 buy · 4 hold · 0 sell (26 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $477
- Target vs last price
- +25.8%
What our data shows for UNH
- Our model validated 17 trailing price-to-earnings windows for UNH, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $259.02–$436.35.
- The 14-day relative strength index sits at a neutral 67.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for UNH
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent UNH news
TickrTrends' derived news-sentiment signal for UNH is currently leaning positive, computed from recent coverage.
- Market Stability Amid Tech Volatility: Wall Street Braces for Major Bank Earnings (thestockmarketwatch.com, 2026-10-12)
TickrTrends take: UnitedHealth Group operates in the Healthcare sector, which has historically demonstrated resilience during periods of technology stock volatility. As Wall Street prepares for major bank earnings reports, healthcare companies like UNH may benefit from investor rotation toward more defensive sectors, a dynamic that could support valuations in a company currently assessed as undervalued by TickrTrends. Investors focused on valuation metrics should monitor whether banking sector results influence broader market sentiment and capital allocation patterns that could affect healthcare stock positioning. - [Earnings]Financial Giants and Semiconductor Leaders Set the Tone for Earnings Week (thestockmarketwatch.com, 2026-10-09)
TickrTrends take: UnitedHealth Group operates within the Healthcare sector, which typically demonstrates resilience during earnings seasons dominated by financial and technology companies. As a major player in the healthcare industry, UNH's performance during periods when financial institutions and semiconductor leaders capture market attention can reveal whether healthcare valuations are receiving adequate recognition from investors. TickrTrends currently rates UNH as undervalued, suggesting that healthcare sector earnings may warrant closer scrutiny to determine if the broader market's focus on financial and semiconductor results is obscuring attractive opportunities in the healthcare space. - UnitedHealth’s P/E Has Reset. Is the Stock Finally Undervalued? (insidermonkey.com, 2026-10-08)
TickrTrends take: UnitedHealth's price-to-earnings ratio has undergone a significant adjustment, which aligns with TickrTrends' current assessment that the stock trades below its intrinsic value. For investors focused on valuation metrics, this reset represents a shift in how the market is pricing the healthcare company's earnings power relative to its stock price. Monitoring whether this valuation advantage persists will be important for those evaluating UnitedHealth's positioning within the competitive healthcare sector.
What people are saying
Follow the UNH conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — UNH's valuation indicators showed mixed movement this week. The DCF cross-check band shifted from fairly valued to overvalued, while the quality grade declined from D to F. Despite these deteriorating technical measures, the current valuation verdict remains undervalued according to TickrTrends' derived indicators.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-06 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is UNH stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), UNH is trading at a 10–25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is UNH's TickrTrends verdict?
UNH's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does UNH compare to other Healthcare stocks?
UNH ranks #34 of 108 Healthcare stocks in TickrTrends' coverage by discount to fair value.
Is UNH overbought or oversold?
UNH's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does UNH pay a dividend?
Yes. UNH paid $9.06 per share over the last twelve months (4 payments), a 2.39% yield on TickrTrends' last price, and has raised the annual total for 16 consecutive years. The last ex-dividend date was 2026-09-14.
Does UNH usually beat earnings estimates?
Over its last 8 reported quarters UNH beat the consensus estimate 5 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about UNH?
Of 26 analysts covering UNH, 22 rate it a buy, 4 a hold and 0 a sell - buy-leaning, with a consensus price target of $477 (+25.8% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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