UNH Stock Financial Analysis - UnitedHealth Group Incorporated (WBAG) Stock

Overview

UnitedHealth Group Incorporated, based in the United States, is a diversified healthcare company known predominantly for its health care coverage and benefits services through its UnitedHealthcare segment, and health care technology and service offerings through its Optum segment. As a leader in the healthcare industry, UnitedHealth is involved in numerous key projects that aim to enhance healthcare accessibility and outcomes. These include expanding digital healthcare platforms, integrating advanced data analytics into service provision, and executing large-scale health management programs. UnitedHealth Group leverages its dual expertise in benefits and technology-based health services to drive innovations that support efficient healthcare delivery and patient care enhancements, striving to improve system performance across its global markets.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for UnitedHealth Group Incorporated as of 30 June 2025 is 422,818.00 MM.
The operating income for UnitedHealth Group Incorporated as of 30 June 2025 is 30,750.00 MM.
The net income for UnitedHealth Group Incorporated as of 30 June 2025 is 21,296.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	422,818.00	30,750.00	21,296.00
2025-03-31	410,057.00	33,475.00	22,106.00
2024-12-31	400,278.00	32,287.00	14,405.00
2024-09-30	393,898.00	32,203.00	14,317.00
2024-06-30	385,439.00	32,021.00	14,103.00
2024-03-31	379,487.00	32,203.00	15,361.00
2023-12-31	371,622.00	32,358.00	22,381.00
2023-09-30	359,982.00	31,560.00	21,687.00
2023-06-30	348,515.00	30,496.00	21,108.00
2023-03-31	335,944.00	29,571.00	20,704.00
2022-12-31	324,162.00	28,435.00	20,120.00
2022-09-30	315,118.00	27,085.00	19,430.00
2022-06-30	306,561.00	25,335.00	18,254.00
2022-03-31	297,550.00	24,181.00	17,450.00
2021-12-31	287,597.00	23,970.00	17,285.00
2021-09-30	279,321.00	21,946.00	15,426.00
2021-06-30	272,099.00	20,885.00	14,512.00
2021-03-31	262,916.00	24,148.00	16,883.00
2020-12-31	257,141.00	22,405.00	15,403.00
2020-09-30	252,575.00	23,983.00	16,732.00
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31		15.51
2024-09-30	15.53	15.38
2024-06-30	15.28	15.14
2024-03-31	16.60	16.47
2023-12-31	24.12	23.86
2023-09-30	23.29	23.03
2023-06-30	22.62	22.34
2023-03-31	22.14	21.86
2022-12-31	21.47	21.18
2022-09-30	20.70	20.41
2022-06-30	19.42	19.14
2022-03-31	18.52	18.27
2021-12-31	18.33	18.08
2021-09-30	16.32	16.11
2021-06-30	15.32	15.14
2021-03-31	17.81	17.59
2020-12-31	16.23	16.03
2020-09-30	17.64	17.41
2020-06-30	18.03	17.79
2020-03-31	14.50	14.29

Cash Flow: Operations, Investing, Financing

The cash from operating activities for UnitedHealth Group Incorporated as of 30 June 2025 is 28,958.00 MM.
The cash from investing activities for UnitedHealth Group Incorporated as of 30 June 2025 is -8,286.00 MM.
The cash from financing activities for UnitedHealth Group Incorporated as of 30 June 2025 is -18,395.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	28,958.00	-8,286.00	-18,395.00
2025-03-31	28,516.00	-14,261.00	-11,644.00
2024-12-31	24,204.00	-20,527.00	-3,512.00
2024-09-30	16,642.00	-20,595.00	-2,326.00
2024-06-30	9,599.00	-17,583.00	-7,225.00
2024-03-31	13,885.00	-10,894.00	-16,488.00
2023-12-31	29,068.00	-15,574.00	-11,529.00
2023-09-30	29,728.00	-29,756.00	19.00
2023-06-30	41,375.00	-27,964.00	3,707.00
2023-03-31	37,214.00	-35,823.00	15,112.00
2022-12-31	26,206.00	-28,476.00	4,226.00
2022-09-30	33,957.00	-12,391.00	-3,793.00
2022-06-30	22,988.00	-13,423.00	-4,774.00
2022-03-31	21,657.00	-10,338.00	-5,938.00
2021-12-31	22,343.00	-10,372.00	-7,455.00
2021-09-30	25,226.00	-16,266.00	-5,424.00
2021-06-30	20,773.00	-17,256.00	-6,045.00
2021-03-31	25,236.00	-14,706.00	-12,106.00
2020-12-31	22,174.00	-12,532.00	-3,590.00
2020-09-30	22,278.00	-8,742.00	-8,206.00
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Management Effectiveness

The roa for UnitedHealth Group Incorporated as of 30 June 2025 is 0.08.
The roe for UnitedHealth Group Incorporated as of 30 June 2025 is 0.22.
The roic for UnitedHealth Group Incorporated as of 30 June 2025 is 0.11.
The croic for UnitedHealth Group Incorporated as of 30 June 2025 is 0.01.
The ocroic for UnitedHealth Group Incorporated as of 30 June 2025 is 0.15.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.08	0.22	0.11	0.01	0.15
2025-03-31	0.05	0.23	0.08	-0.00	0.13
2024-12-31	0.05	0.15	0.08	-0.04	0.09
2024-09-30	0.05	0.16	0.09	-0.08	0.08
2024-06-30	0.05	0.17	0.09	-0.08	0.08
2024-03-31	0.09	0.26	0.13	0.01	0.17
2023-12-31	0.09	0.26	0.14	0.00	0.19
2023-09-30	0.09	0.26	0.13	0.11	0.26
2023-06-30	0.09	0.26	0.13	0.10	0.25
2023-03-31	0.09	0.27	0.13	0.11	0.24
2022-12-31	0.09	0.26	0.15	0.13	0.26
2022-09-30	0.09	0.26	0.14	0.13	0.25
2022-06-30	0.08	0.25	0.13	0.04	0.17
2022-03-31	0.08	0.25	0.13	0.04	0.16
2021-12-31	0.08	0.25	0.14	0.03	0.21
2021-09-30	0.08	0.22	0.13	0.03	0.17
2021-06-30	0.08	0.21	0.12	-0.02	0.17
2021-03-31	0.09	0.27	0.14	-0.01	0.20
2020-12-31	0.09	0.25	0.13	0.05	0.18
2020-09-30	0.10	0.28	0.14	0.04	0.19
2020-06-30	0.10	0.29	0.15	0.08	0.20
2020-03-31	0.09	0.24	0.11	0.07	0.14

Gross Margins

The gross margin for UnitedHealth Group Incorporated as of 30 June 2025 is 0.22.
The net margin for UnitedHealth Group Incorporated as of 30 June 2025 is 0.05.
The operating margin for UnitedHealth Group Incorporated as of 30 June 2025 is 0.08.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.22	0.05	0.08
2025-03-31	0.22	0.04	0.08
2024-12-31	0.23	0.04	0.08
2024-09-30	0.24	0.04	0.08
2024-06-30	0.24	0.04	0.08
2024-03-31	0.24	0.06	0.09
2023-12-31	0.25	0.06	0.09
2023-09-30	0.25	0.06	0.09
2023-06-30	0.25	0.06	0.09
2023-03-31	0.25	0.06	0.09
2022-12-31	0.24	0.06	0.09
2022-09-30	0.24	0.06	0.09
2022-06-30	0.24	0.06	0.08
2022-03-31	0.24	0.06	0.08
2021-12-31	0.24	0.06	0.08
2021-09-30	0.24	0.06	0.08
2021-06-30	0.24	0.05	0.08
2021-03-31	0.26	0.06	0.09
2020-12-31	0.26	0.06	0.09
2020-09-30	0.26	0.07	0.09
2020-06-30	0.26	0.07	0.10
2020-03-31	0.24	0.06	0.08

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