Dividend Adjusted Return
Sep 4, 2025 - Sep 4, 2026UNH 397.14 (+32.4%)
Healthcare 321.66 (+28.5%)
S&P 500 7718.60 (+21.0%)






Stock Rover estimates UnitedHealth Group’s intrinsic (fair) value at $400.10, against a recent price of $397.14, a margin of safety of 1%. Quantitative scores (0–100): Value 89, Quality 68, Growth 80, Sentiment 96. Analyst consensus: Strong Buy.







Fair Value | $400.10 | |
Margin of Safety | 1% |
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 68 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 80 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 96 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 | 72 |
| Price / Earnings | 25.5 | 28.2 | 26.9 |
| Price / Sales | 0.8 | 0.4 | 3.7 |
| Price / Free Cash Flow | 15.3 | 11.3 | 36.1 |
| Price / Book | 3.6 | 2.4 | 5.9 |
| Price / Tangible Book | - | - | 382.3 |
| EV / EBITDA | 15.5 | 14.7 | 19.3 |
| 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 | 80 | 68 | 77 |
| Sales Growth | |||
| Sales Growth Next Year | 2.9% | 2.9% | 22.6% |
| Sales 1‑Year Chg (%) | 6.5% | 6.9% | 21.3% |
| Sales 3‑Year Avg (%) | 8.9% | 8.8% | 14.7% |
| Sales 5‑Year Avg (%) | 10.6% | 10.2% | 13.1% |
| EPS Growth | |||
| Next Yr. Growth Est. | 13.2% | 13.8% | 21.1% |
| EPS 1‑Year Chg (%) | -32.6% | -25.6% | 34.5% |
| EPS 3‑Year Avg (%) | -11.3% | -12.8% | 18.5% |
| EPS 5‑Year Avg (%) | 0.5% | -0.8% | 14.3% |






LLY | Eli Lilly | $1,024,490 | 38.6 | 0.6% | 3.2% | 55.7% | 3% | 63 | 100 | 78 |
JNJ | Johnson & Johnson | $663,276 | 32.0 | 2.0% | 8.5% | 57.4% | -1% | 71 | 81 | 95 |
ABBV | AbbVie | $453,194 | 72.5 | 2.7% | 5.2% | 24.1% | 3% | 63 | 88 | 77 |
UNH | UnitedHealth Group | $356,470 | 25.5 | 2.3% | -2.6% | 31.4% | 1% | 89 | 80 | 68 |
CVS | CVS Health | $123,727 | 25.5 | 2.8% | -7.4% | 35.4% | 31% | 91 | 83 | 53 |
MCK | McKesson | $105,975 | 24.3 | 0.4% | 9.5% | 31.8% | -12% | 84 | 81 | 71 |
ELV | Elevance Health | $88,374 | 18.0 | 1.7% | 7.8% | 35.1% | 11% | 94 | 79 | 58 |
CI | Cigna Group | $74,241 | 11.7 | 2.2% | 3.1% | -5.5% | 10% | 97 | 77 | 66 |
HUM | Humana | $48,217 | 38.0 | 0.9% | 10.9% | 30.6% | -13% | 88 | 75 | 51 |
CNC | Centene | $33,117 | - | - | 4.6% | 134.0% | -20% | 90 | 34 | 35 |
MOH | Molina Healthcare | $10,481 | 500+ | - | 4.9% | 17.5% | 2% | 83 | 82 | 46 |
OSCR | Oscar Health | $9,953 | 24.8 | - | 6.2% | 75.5% | 14% | 97 | 54 | 84 |
| UNH | Industry | S&P 500 | |
|---|---|---|---|
| Quality Score | 68 | 58 | 75 |
| Gross Margin | 19.5% | 10.9% | 32.8% |
| Operating Margin | 4.8% | 2.6% | 16.8% |
| Net Margin | 3.1% | 1.5% | 13.7% |
| Return on Assets | 4.5% | 3.8% | 15.0% |
| Return on Equity | 14.3% | 12.0% | 40.1% |
| ROIC | 10.5% | 8.2% | 27.5% |
| UNH | Industry | S&P 500 | |
|---|---|---|---|
| Sentiment Score | 96 | 78 | 58 |
| 5‑Day Return | 1.1% | 1.8% | 0.1% |
| 1‑Month Return | -2.6% | -2.2% | -0.2% |
| YTD Return | 21.9% | 22.0% | 13.4% |
| 1‑Year Return | 31.4% | 29.7% | 20.0% |
| 3‑Year Return | -11.4% | -2.3% | 77.4% |
| 5‑Year Return | 2.5% | 4.7% | 82.1% |
| Beta 1‑Year | 0.44 | 0.34 | 1.00 |






| UNH | Industry | |
|---|---|---|
| Forward Dividend Yield | 2.3% | 2.0% |
| Payout Ratio | 57.4% | 46.0% |
| TTM Yield | 2.3% | - |
| Fwd. Div. Per Share | $9.28 | $6.32 |
| 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 | $397.14 |
| 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 | 21.00 |
# Down Last 30 days | 1.00 |
Mean Estimate | 4.12 |
% Change (30 Days) | 0.88% |
| Next Quarter EPS | |
|---|---|
# Up Last 30 days | 2.00 |
# Down Last 30 days | 20.00 |
Mean Estimate | 2.14 |
% Change (30 Days) | -1.65% |
| Cur Qtr | Next Qtr | Cur Year | Next Year | |
|---|---|---|---|---|
| Latest | $4.12 | $2.14 | $19.81 | $22.44 |
| 30 Days Ago | $4.08 | $2.17 | $19.81 | $22.44 |
| 90 Days Ago | $3.72 | $2.58 | $18.37 | $20.87 |
| % Change (90 Days) | 10.6% | -17.3% | 7.8% | 7.5% |
| 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% | 30.0% | 9.6% |
| Worst Monthly Return (5Y) | -24.7% | -20.5% | -9.6% |
| Beta 1‑Year | 0.44 | 0.34 | 1.00 |
| Volatility 1‑Year | 0.36 | 0.30 | 0.13 |
| Volatility 1Y Pctl. | 36 | - | - |
| 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% | 14.9% | 11.2% |
CNC | Centene | 50 | 9.9% | - | -1.2% | 13.9% | 11.1% | 11.4% |
UNH | UnitedHealth Group | 41 | 0.4% | 61.5% | 2.9% | 6.5% | 8.9% | 10.6% |
CVS | CVS Health | 32 | 7.3% | 188.8% | 2.8% | 7.4% | 7.0% | 8.3% |
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 | 8.5 31.0 |
ELV | Elevance Health | 86 | 18.0 | 13.8 | 3.1 | 0.5 | 2.0 | 10.7 27.4 |
CVS | CVS Health | 77 | 25.5 | 11.4 | - | 0.3 | 1.6 | 7.8 220.2 |
CNC | Centene | 50 | - | 12.6 | - | 0.2 | 1.5 | 3.7 - |
UNH | UnitedHealth Group | 41 | 25.5 | 17.7 | 47.7 | 0.8 | 3.6 | 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% 15.1% | 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% | 2.8% |
CVS | CVS Health | 32 | 1.0 | 2.9 | 0.7 | 43.4% | 6% | 1.3% |
CNC | Centene | 23 | 0.7 | -6.1 | 1.1 | 18.1% | -7% | 3.1% |
CI | Cigna Group | 14 | 0.8 | 7.1 | 0.7 | 46.1% | 11% | 2.2% |
CI | Cigna Group | 90 | 2.2% | 2.2% | $280.96 | $6.24 | 6 | 25.3% |
UNH | UnitedHealth Group | 70 | 2.3% | 2.3% | $397.14 | $9.28 | 10+ | 57.4% |
CVS | CVS Health | 50 | 2.8% | 2.8% | $96.74 | $2.66 | 1 | 69.6% |
ELV | Elevance Health | 30 | 1.7% | 1.7% | $407.50 | $6.88 | 10+ | 30.3% |
CNC | Centene | - | - | - | $67.04 | - | - | - |
CNC | Centene | 86 | 4.6% | 6.9% | 49.0% | 62.9% | 134.0% | 0.37 | 0.48 | 96.7% |
ELV | Elevance Health | 78 | 7.8% | -0.1% | 41.3% | 17.4% | 35.1% | 0.34 | 0.35 | 93.4% |
UNH | UnitedHealth Group | 64 | -2.6% | 0.7% | 37.9% | 21.9% | 31.4% | 0.44 | 0.36 | 86.0% |
CVS | CVS Health | 58 | -7.4% | 2.7% | 21.9% | 24.7% | 35.4% | 0.15 | 0.31 | 87.4% |
CI | Cigna Group | 45 | 3.1% | 0.7% | 0.3% | 3.8% | -5.5% | 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 | 2.3% |
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 | 25.5 | 13.0 | 36.8 | 21.8 | 28.2 |
Price / Cash Flow | 13.4 | 10.1 | 40.6 | 12.1 | 22.8 |
Price / Book | 3.6 | 3.0 | 6.4 | 5.4 | 6.6 |
Price / Tangible Book | - | - | - | - | - |
Price / Sales | 0.8 | 0.7 | 1.5 | 1.3 | 1.7 |
EV / EBITDA | 15.5 | 9.4 | 22.5 | 13.6 | 17.6 |
Forward Dividend Yield | 2.3% | 2.8% | 1.4% | 1.4% | 1.3% |
Shareholder Yield | 2.6% | 6.3% | 2.2% | 2.8% | 2.5% |
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 4.0% in the past year.
The Healthcare sector has outperformed the market by 7.4% in the past year.