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UNH$379.86-0.12%
Fair $379.86+0.0%

UNH

UnitedHealth Group Incorporated

Healthcare / Healthcare PlansNYSE

$379.86

-0.45 (-0.12%)

Fairly Valued+0.0%Fair Value $379.86Fund rank 35/100 · Data gapFallback financials|
SA 43/C
F-Score: 4/9
Margin Compression

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 22% · confianza 25%

FCF escenarios

weak_data · normalized FCF $20.7B · quality 71.0/100

Data gap 35/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 82/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

43/100

C

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 19Warnings: 1unknown: 19
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Operating margin has declined for 3 consecutive years
Thesis & Journal · UNHLocal privado en este navegador · UnitedHealth Group Incorporated
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$345.0B

P/E

28.6x

↑

EV/EBITDA

17.3x

↑

ROE

12.8%

↑

Gross Margin

18.5%

↓

Debt/Equity

0.83

↑
52-Week Range$380
$235$404

TradingView lightweight chart

UNH price, volumen y niveles de valoración

Último $379.86Periodo +5553.7%
Fair value: $379.86

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2007–2025 · 18 años de histórico normalizado

Revenue CAGR

+10.4%

FCF CAGR

+6.7%

FCF margin

3.6%

FCF / Net income

1.33x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $447.57B · net income $12.06B · FCF $16.07B

2007-FY → 2025-FY

Gross margin

18.5%— pts

Operating margin

4.2%-6.2% pts

Net margin

2.7%-3.5% pts

FCF margin

3.6%-3.0% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
Income Statement
Revenue$447.57B$447.57B$400.28B$371.62B$324.16B$287.60B$257.14B$242.16B$226.25B$201.16B$184.84B$157.11B$130.47B$122.49B$110.62B$101.86B$94.16B$87.14B$81.19B$75.43B
Net Income$12.06B$12.06B$14.40B$22.38B$20.12B$17.29B$15.40B$13.84B$11.99B$10.56B$7.02B$5.81B$5.62B$5.63B$5.53B$5.14B$4.63B$3.82B$2.98B$4.65B
EBITDA$23.06B$23.06B$28.08B$36.33B$31.84B$27.07B$25.30B$22.41B$19.77B$17.45B$14.98B$12.71B$11.75B$11.00B$10.56B$9.59B$8.93B$7.35B$6.24B$8.64B
EPS13.2313.2315.5123.8621.1818.0816.0314.3312.1910.727.256.015.705.505.284.734.103.242.403.42
Gross Margin18.5%18.5%22.3%24.5%24.6%———————————————
Operating Margin4.2%4.2%8.1%8.7%8.8%8.3%8.7%8.1%7.7%7.6%7.0%7.0%7.9%7.9%8.4%8.3%8.4%7.3%6.5%10.4%
Net Margin2.7%2.7%3.6%6.0%6.2%6.0%6.0%5.7%5.3%5.2%3.8%3.7%4.3%4.6%5.0%5.0%4.9%4.4%3.7%6.2%
Balance Sheet
Debt/Equity0.830.830.830.700.74———————0.490.460.450.380.340.380.55—
Current Ratio0.800.80——————————————————
Cash Flow
Free Cash Flow$16.07B$16.07B$20.70B$25.68B$23.40B$19.89B$20.12B$16.39B$13.65B$11.57B$8.09B$8.18B$6.53B$5.68B$6.08B$5.90B$5.39B$4.89B$3.45B$5.01B
Returns
ROE12.8%12.8%15.5%25.2%25.9%———————17.3%17.5%17.7%18.2%17.9%16.2%14.3%23.2%
Valuation
P/E28.5628.5633.0822.5223.14———————————————
EV/EBITDA17.3517.3518.8114.9015.70———————————————
P/B3.683.685.145.685.99———————————————
Growth & Yield
Revenue Growth11.8%11.8%7.7%14.6%—11.8%6.2%7.0%12.5%8.8%17.7%20.4%6.5%10.7%8.6%8.2%8.1%7.3%7.6%—
EPS Growth-14.7%-14.7%-35.0%12.7%—12.8%11.9%17.6%13.7%47.9%20.6%5.4%3.6%4.2%11.6%15.4%26.5%35.0%-29.8%—
Dividend Yield2.3%2.3%——————————————————

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

36.6%

muy exigente

EPS terminal req.

$33.71

Spread vs growth

-51.3%

5Y implied EPS CAGR

25.3%

muy exigente

EPS terminal req.

$40.78

Spread vs growth

-40.0%

10Y implied EPS CAGR

17.4%

exigente

EPS terminal req.

$65.68

Spread vs growth

-32.1%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +28.1%

Total return

+28.1%

Start / end P/E

19.5x → 28.7x

EPS bridge

15.51 → 13.23

Residual

-7.0%

EPS growth-14.7%
Multiple rerating+47.5%
Dividend+2.3%
Residual / FX / buybacks / cross-term-7.0%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.