Dividend Adjusted Return
Aug 14, 2025 - Aug 14, 2026UNH 401.73 (+51.8%)
Healthcare 314.70 (+29.3%)
S&P 500 7785.76 (+21.7%)






Stock Rover estimates UnitedHealth Group’s intrinsic (fair) value at $383.56, against a recent price of $401.73, a margin of safety of -5%. Quantitative scores (0–100): Value 89, Quality 69, Growth 69, Sentiment 69. Analyst consensus: Strong Buy.







Fair Value | $383.56 | |
Margin of Safety | -5% |
Value Score 89 Value Score: Our value score looks at EV/EBITDA, P/E, P/S, P/TB (Price/Tangible Book) and EPS Predictability. P/S and P/TB are compared within a sector. Other metrics are compared across all stocks | Quality Score 69 Quality Score: Our quality score compares profitability and balance sheet metrics to find high quality companies using ROIC, Net Margin, Gross Margin, Interest Coverage, and Debt / Equity metrics. |
Growth Score 69 Growth Score: Our growth score looks at the 5 year history and the forward estimates for EBITDA, Sales, and EPS growth, ranking the best companies across all stocks. | Sentiment Score 69 Sentiment Score: Our sentiment score finds stocks in favor by analyzing Short Interest, returns in key periods over the last year, Price vs. 52-wk High, Days Since 52-wk High and MACD signals. |
| UNH | Industry | S&P 500 | |
|---|---|---|---|
| Value Score | 89 | 86 | 71 |
| Price / Earnings | 25.8 | 28.3 | 27.9 |
| Price / Sales | 0.8 | 0.4 | 3.8 |
| Price / Free Cash Flow | 15.5 | 11.4 | 37.1 |
| Price / Book | 3.7 | 2.4 | 6.0 |
| Price / Tangible Book | - | - | 393.8 |
| EV / EBITDA | 15.7 | 14.9 | 19.8 |
| EPS Predict. Pctl. | 84 | 69 | 72 |
| Piotroski F Score | 6 | 5 | 6 |
| 5‑Year P/E Range | 9.9 41.4 |
| 5‑Year P/B Range | 2.3 7.1 |
| 5‑Year P/S Range | 0.5 1.8 |
| UNH | Industry | S&P 500 | |
|---|---|---|---|
| Growth Score | 69 | 64 | 77 |
| Sales Growth | |||
| Sales Growth Next Year | 2.9% | 2.9% | 19.0% |
| Sales 1‑Year Chg (%) | 6.5% | 8.1% | 19.3% |
| Sales 3‑Year Avg (%) | 8.9% | 2.5% | 13.3% |
| Sales 5‑Year Avg (%) | 10.6% | 10.2% | 12.6% |
| EPS Growth | |||
| Next Yr. Growth Est. | 13.2% | 13.8% | 19.8% |
| EPS 1‑Year Chg (%) | -32.6% | -25.6% | 32.0% |
| EPS 3‑Year Avg (%) | -11.3% | -15.6% | 17.3% |
| EPS 5‑Year Avg (%) | 0.5% | -0.9% | 14.0% |






LLY | Eli Lilly | $1,051,944 | 39.7 | 0.6% | 2.5% | 73.9% | -15% | 63 | 99 | 78 |
JNJ | Johnson & Johnson | $627,417 | 30.2 | 2.1% | 2.6% | 52.7% | -3% | 72 | 82 | 95 |
ABBV | AbbVie | $440,825 | 70.4 | 2.8% | 2.6% | 25.7% | 8% | 63 | 89 | 78 |
UNH | UnitedHealth Group | $360,590 | 25.8 | 2.3% | -5.5% | 51.9% | -5% | 89 | 69 | 69 |
CVS | CVS Health | $124,264 | 25.6 | 2.7% | -7.9% | 50.2% | 35% | 91 | 84 | 53 |
MCK | McKesson | $101,317 | 23.3 | 0.4% | 8.2% | 29.5% | -7% | 85 | 82 | 72 |
ELV | Elevance Health | $86,817 | 17.7 | 1.7% | -6.2% | 38.4% | 3% | 95 | 68 | 58 |
CI | Cigna Group | $74,663 | 11.7 | 2.2% | -6.9% | -0.5% | 20% | 97 | 47 | 67 |
HUM | Humana | $46,717 | 36.8 | 0.9% | -4.4% | 40.3% | -21% | 89 | 75 | 52 |
CNC | Centene | $33,329 | - | - | -1.8% | 150.5% | -22% | 90 | 34 | 36 |
MOH | Molina Healthcare | $11,088 | 500+ | - | -12.1% | 33.1% | -1% | 82 | 82 | 46 |
OSCR | Oscar Health | $10,110 | 25.2 | - | 5.4% | 123.2% | 8% | 97 | 54 | 84 |
| UNH | Industry | S&P 500 | |
|---|---|---|---|
| Quality Score | 69 | 58 | 76 |
| Gross Margin | 19.5% | 10.9% | 32.6% |
| Operating Margin | 4.8% | 2.6% | 16.6% |
| Net Margin | 3.1% | 1.5% | 13.5% |
| Return on Assets | 4.5% | 3.8% | 14.3% |
| Return on Equity | 14.3% | 12.0% | 38.7% |
| ROIC | 10.5% | 8.2% | 27.5% |
| UNH | Industry | S&P 500 | |
|---|---|---|---|
| Sentiment Score | 69 | 68 | 64 |
| 5‑Day Return | -1.3% | -0.2% | 0.4% |
| 1‑Month Return | -5.5% | -7.0% | 3.2% |
| YTD Return | 23.3% | 22.2% | 14.3% |
| 1‑Year Return | 51.9% | 45.0% | 21.7% |
| 3‑Year Return | -16.5% | -9.1% | 80.0% |
| 5‑Year Return | 7.1% | 8.6% | 86.5% |
| Beta 1‑Year | 0.41 | 0.35 | 1.00 |






| UNH | Industry | |
|---|---|---|
| Forward Dividend Yield | 2.3% | 2.0% |
| Payout Ratio | 57.4% | 46.2% |
| TTM Yield | 2.2% | - |
| Fwd. Div. Per Share | $9.28 | $6.33 |
| Div. 1Y Chg (%) | 5.0% | - |
| Div. 3Y Avg (%) | 7.3% | - |
| Div. 5Y Avg (%) | 9.9% | - |
| Cons. Growth Years | 10+ | - |
| Div. Coverage Ratio | 1.7 | 1.7 |
| Current Ratio | 0.8 |
| Quick Ratio | 0.8 |
| Price | $401.73 |
| Net Cash Per Share | -$46.32 |
| Equity Per Share | $109.68 |
| Debt / Equity | 0.7 |
| Solvency Ratio | 10% |
| Interest Coverage | 5.5 |
| Short % of Float | 1.9% |
| Altman Z‑Score | 3.1 |
| Current Quarter EPS | |
|---|---|
# Up Last 30 days | 20.00 |
# Down Last 30 days | 2.00 |
Mean Estimate | 4.12 |
% Change (30 Days) | 10.37% |
| Next Quarter EPS | |
|---|---|
# Up Last 30 days | 3.00 |
# Down Last 30 days | 19.00 |
Mean Estimate | 2.14 |
% Change (30 Days) | -17.62% |
| Cur Qtr | Next Qtr | Cur Year | Next Year | |
|---|---|---|---|---|
| Latest | $4.12 | $2.14 | $19.81 | $22.44 |
| 30 Days Ago | $3.73 | $2.59 | $18.39 | $20.93 |
| 90 Days Ago | $0.00 | $0.00 | $18.36 | $20.75 |
| % Change (90 Days) | - | - | 7.9% | 8.1% |
| Surprise Type | Amount | Percent |
|---|---|---|
| Positive Quarters (> 2%) | 7 | 58.3% |
| Negative Quarters (< 2%) | 1 | 8.3% |
| In-Line Quarters (within 2%) | 4 | 33.3% |
| Surprise Type | Announce Date | Period End Date | Actual EPS | Est. EPS | Surprise (%) |
|---|---|---|---|---|---|
| Positive | 07/16/26 | 06/30/26 | $0.05 | $0.04 | 25.0% |
| Positive | 04/21/26 | 03/31/26 | $7.23 | $6.60 | 9.5% |
| In-Line | 01/27/26 | 12/31/25 | $2.11 | $2.11 | 0.0% |
| Positive | 10/28/25 | 09/30/25 | $2.92 | $2.81 | 3.9% |
| Negative | 07/29/25 | 06/30/25 | $4.08 | $4.45 | -8.3% |
| In-Line | 04/17/25 | - | $7.20 | $7.29 | -1.2% |
| UNH | Industry | S&P 500 | |
|---|---|---|---|
| Best Monthly Return (5Y) | 35.2% | 29.7% | 9.6% |
| Worst Monthly Return (5Y) | -24.7% | -20.5% | -9.6% |
| Beta 1‑Year | 0.41 | 0.35 | 1.00 |
| Volatility 1‑Year | 0.37 | 0.30 | 0.13 |
| Volatility 1Y Pctl. | 38 | - | - |
| Max Drawdown 1‑Year | -29.0% | -27.8% | -8.8% |
| Max Drawdown 3‑Year | -61.4% | -55.1% | -18.7% |
| Max Drawdown 5‑Year | -61.4% | -58.3% | -24.6% |











CI | Cigna Group | 68 | 6.7% | 10.2% | 4.2% | 7.7% | - | 11.2% |
CNC | Centene | 50 | 9.9% | - | -1.2% | 13.9% | 11.1% | 11.4% |
CVS | CVS Health | 41 | 7.3% | 188.8% | 2.8% | 7.4% | 7.0% | 8.3% |
UNH | UnitedHealth Group | 32 | 0.4% | 61.5% | 2.9% | 6.5% | 8.9% | 10.6% |
ELV | Elevance Health | 14 | 1.4% | -13.1% | 2.1% | 6.3% | 6.7% | 9.2% |
CI | Cigna Group | 95 | 11.7 | 8.4 | 8.7 | 0.3 | 1.8 | 5.7 31.0 |
ELV | Elevance Health | 86 | 17.7 | 13.5 | 3.1 | 0.4 | 1.9 | 10.7 27.4 |
CVS | CVS Health | 77 | 25.6 | 11.4 | - | 0.3 | 1.6 | 7.8 220.2 |
CNC | Centene | 68 | - | 12.7 | - | 0.2 | 1.5 | 3.7 - |
UNH | UnitedHealth Group | 45 | 25.8 | 17.9 | 48.3 | 0.8 | 3.7 | 9.9 41.4 |
UNH | UnitedHealth Group | 95 | 19.5% | 4.8% | 3.1% | 12.3% 26.0% | 3.9% 8.8% |
ELV | Elevance Health | 77 | 0.0% | - | 2.5% | 11.1% 17.4% | 4.0% 6.7% |
CI | Cigna Group | 68 | 8.8% | 3.2% | 2.3% | 5.7% 30.3% | 0.3% 4.1% |
CVS | CVS Health | 32 | 14.2% | 3.4% | 1.2% | 0.6% 10.9% | 0.2% 3.5% |
CNC | Centene | 14 | 7.8% | 0.8% | -2.5% | -33.4% 12.5% | -8.4% 4.1% |
UNH | UnitedHealth Group | 59 | 0.7 | 5.5 | 0.8 | 42.1% | 10% | 1.9% |
ELV | Elevance Health | 41 | 0.7 | 5.1 | - | 31.1% | 21% | 2.9% |
CVS | CVS Health | 32 | 1.0 | 2.9 | 0.7 | 43.4% | 6% | 1.5% |
CNC | Centene | 23 | 0.7 | -6.1 | 1.1 | 18.1% | -7% | 3.2% |
CI | Cigna Group | 14 | 0.8 | 7.1 | 0.7 | 46.1% | 11% | 2.0% |
CI | Cigna Group | 90 | 2.2% | 2.2% | $282.56 | $6.24 | 6 | 25.3% |
UNH | UnitedHealth Group | 70 | 2.3% | 2.2% | $401.73 | $9.28 | 10+ | 57.4% |
CVS | CVS Health | 50 | 2.7% | 2.7% | $97.16 | $2.66 | 1 | 69.6% |
ELV | Elevance Health | 30 | 1.7% | 1.7% | $400.32 | $6.88 | 10+ | 30.3% |
CNC | Centene | - | - | - | $67.47 | - | - | - |
CNC | Centene | 72 | -1.8% | 14.9% | 66.3% | 64.0% | 150.5% | 0.30 | 0.48 | 97.3% |
UNH | UnitedHealth Group | 51 | -5.5% | 1.2% | 38.9% | 23.3% | 51.9% | 0.41 | 0.37 | 87.0% |
CVS | CVS Health | 46 | -7.9% | 0.6% | 25.7% | 25.3% | 50.2% | 0.15 | 0.31 | 87.8% |
ELV | Elevance Health | 43 | -6.2% | 1.3% | 16.6% | 15.4% | 38.4% | 0.30 | 0.35 | 91.8% |
CI | Cigna Group | 17 | -6.9% | -3.6% | -1.9% | 3.8% | -0.5% | 0.20 | 0.33 | 89.6% |





2026 Dividends | $6.85 |
09/14/26 | 09/22/26 | Regular | $2.32 |
06/15/26 | 06/23/26 | Regular | $2.32 |
03/09/26 | 03/17/26 | Regular | $2.21 |
2025 Dividends | $8.73 |
12/08/25 | 12/16/25 | Regular | $2.21 |
09/15/25 | 09/23/25 | Regular | $2.21 |
06/16/25 | 06/24/25 | Regular | $2.21 |
03/10/25 | 03/18/25 | Regular | $2.10 |
2024 Dividends | $8.18 |
12/09/24 | 12/17/24 | Regular | $2.10 |
09/16/24 | 09/24/24 | Regular | $2.10 |
06/17/24 | 06/25/24 | Regular | $2.10 |
03/08/24 | 03/19/24 | Regular | $1.88 |
2023 Dividends | $7.29 |
12/01/23 | 12/12/23 | Regular | $1.88 |
09/08/23 | 09/19/23 | Regular | $1.88 |
06/15/23 | 06/27/23 | Regular | $1.88 |
03/10/23 | 03/21/23 | Regular | $1.65 |
2022 Dividends | $6.40 |
12/02/22 | 12/13/22 | Regular | $1.65 |
09/09/22 | 09/20/22 | Regular | $1.65 |
06/16/22 | 06/28/22 | Regular | $1.65 |
03/11/22 | 03/22/22 | Regular | $1.45 |
Ex-Dividend Date | 09/14/26 |
Payment Date | 09/22/26 |
Amount | $2.32 |
Type | Regular |
Regular Dividend | $2.32 |
Forward Dividend Rate | $9.28 |
Forward Dividend Yield | 2.3% |
Trailing 12 Months Dividends | $8.95 |
Trailing 12 Months Yield | 2.2% |
Payout Ratio | 57.4 |
Dividend Coverage Ratio | 1.7 |
Consecutive Growth Years | 10+ |
3 Year Growth Rate | 7.3% |
5 Year Growth Rate | 9.9% |
10 Year Growth Rate | 14.0% |
Price / Earnings | 25.8 | 11.4 | 35.4 | 23.4 | 29.7 |
Price / Cash Flow | 13.5 | 8.8 | 39.0 | 13.0 | 24.0 |
Price / Book | 3.7 | 2.6 | 6.2 | 5.8 | 7.0 |
Price / Tangible Book | - | - | - | - | - |
Price / Sales | 0.8 | 0.6 | 1.4 | 1.4 | 1.8 |
EV / EBITDA | 15.7 | 8.4 | 21.6 | 14.5 | 18.5 |
Forward Dividend Yield | 2.3% | 3.3% | 1.5% | 1.3% | 1.2% |
Shareholder Yield | 2.6% | 7.2% | 2.3% | 2.6% | 2.3% |
Gross Margin | 19.5% | 20.8% | 23.5% | 24.8% | 24.0% |
Net Margin | 3.1% | 5.0% | 3.7% | 6.1% | 6.0% |
Return on Assets | 4.5% | 7.2% | 5.0% | 8.4% | 8.5% |
Return on Equity | 14.3% | 22.5% | 15.8% | 25.6% | 25.1% |
ROIC | 10.5% | 14.6% | 10.7% | 16.1% | 16.1% |
Additional data provided by Zacks, Intrinio, Quandl, Yodlee, IEX Cloud
UNH has outperformed its sector by 22.5% in the past year.
The Healthcare sector has outperformed the market by 7.5% in the past year.