UNH stock verdict - Avoid
UNH
UnitedHealth Group Incorporated
AVOIDHealthcare
$376.59
Fundamentals below bar
$376.59
Heavy$536.00Buy$714.67Fair$893.34Exit$1,072.01
VALUE42
GROWTH11
QUALITY56
TECHNICAL—
TRUST SCORE
93High
confidence in this read — data completeness, earnings quality & coverage
Technicals: insufficient price history
PROS
- Trades 58% below the model's fair value ($893.34)
- Strong return on equity of 42.8% (TTM)
- Revenue grew 11.4%/yr on average over the last 3 years
- Balance sheet holds net cash (cash exceeds total debt)
CONS
- Rich for its growth rate (PEG 41.6)
- High leverage — debt-to-equity of 2.22
- TTM EPS fell 14.7% year-over-year
- Thin net margin of 4.1% (3-yr avg)
✳ Pros and cons are machine-generated from the latest fundamentals and technicals.
EARNINGS QUALITY · we check the accounting so you don't have to
✓Operating cash flow is 191% of net income — profit is backed by real cash
Analysis as of 2026-09-25 · price live, fundamentals from latest filings
Congress Trading — last 90 days
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📊 Options Flow — Put/Call Ratio
FAQ
Why is UNH rated Avoid?
UNH (UnitedHealth Group Incorporated) is rated Avoid because the model combines fundamentals, price action, and earnings-quality checks. The current signal is Fundamentals below bar. Trades 58% below the model's fair value ($893.34) and Strong return on equity of 42.8% (TTM)
Is UNH overvalued right now?
UNH is trading at $376.59 versus an estimated fair value of $893.34. That puts the stock in avoid territory on this framework. Rich for its growth rate (PEG 41.6) and High leverage — debt-to-equity of 2.22
What should I watch before acting on UNH?
Watch the trust score of 93, the earnings-quality checks, and any red flags. Rich for its growth rate (PEG 41.6) and High leverage — debt-to-equity of 2.22