UnitedHealth Group Incorporated (UNH) fair value analysis

S&P 500 · Updated 2026-09-07

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.

Forward Fair Value verdict

Undervalued

Based on TickrTrends' weekly Forward Fair Value model, UNH is trading at a 10–25% discount to estimated fair value.

UNH currently ranks #55 of 113 Healthcare stocks by discount to Forward Fair Value. It has screened as Undervalued for 3 consecutive weekly runs.

Last price: $397.14
Sector: Healthcare
12-month range: $273.98–$415.36

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: F
Leverage: Moderate
Margin trend: Contracting
Revenue growth: Strong
RSI zone: Neutral
52-week position: The top quarter of its range
DCF cross-check: Undervalued

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 $273.98–$415.36.
The 14-day relative strength index sits at a neutral 43.

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

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent UNH news

TickrTrends' derived news-sentiment signal for UNH is currently mixed, computed from recent coverage.

Is UnitedHealth Group (UNH) Finally Turning the Corner Under Stephen Hemsley? (finance.yahoo.com, 2026-09-03)
TickrTrends take: UnitedHealth Group operates in the Healthcare sector and is currently assessed as undervalued according to TickrTrends valuation metrics. Leadership transitions can influence operational efficiency and strategic direction, which may affect whether the company's market valuation ultimately reflects its underlying business performance. Investors focused on valuation should monitor whether management changes correlate with improvements in the company's financial metrics relative to its current undervalued status.
UnitedHealth’s Policy Change Opens a New Chapter for its Insurance Business (insidermonkey.com, 2026-09-03)
TickrTrends take: UnitedHealth's policy change represents an operational shift that could influence how investors assess the company's insurance division performance and profitability trajectory. Given that TickrTrends currently identifies UNH as undervalued within the Healthcare sector, this development warrants attention regarding whether the policy adjustment will translate into improved margins or operational efficiency that might justify or further support the undervalued assessment. Valuation-focused readers should monitor upcoming earnings reports to evaluate whether this policy change meaningfully impacts the company's financial metrics and competitive positioning within its insurance business.

What people are saying

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TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is UNH stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), 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 #55 of 113 Healthcare stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is UNH overbought or oversold?

UNH's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Healthcare fair-value coverage →

Head-to-head comparisons

UNH vs A · UNH vs BDX · UNH vs ENSG · UNH vs EW · UNH vs HCA