UnitedHealth Group (UNH)
NYSEHealth CareMedical - Healthcare PlansSnapshot 2026-11-05
$395.72-3.34%
Close 2026-11-05 · 1-day change
NYSEHealth CareMedical - Healthcare PlansSnapshot 2026-11-05
QuarterlyIQ Insights · UNH
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within health care on a research-validated quality screen. As of 2026-11-05.
The screen ranks UNH against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 4 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Health Care names rated strong grew net income 53% of the time over the next year (vs 42% for the rest of the cohort, n=10089).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
UnitedHealthcare is dedicated to improving the value customers and consumers receive by improving health and wellness, enhancing the quality of care received, simplifying the healthcare experience an…
Stated in 3 of 8 supplied quarters. Management reported: “Quarterly Financial Performance Three Months Ended September 30, 2026 September 30, 2025 June 30, 2026 Revenues $86.3 billion $87.1 billion $86.0 billion Earnings from Operations $2.8 billion $1.8 billion $3.9 billion Operating Margin 3.3% 2.1% 4.6% UnitedHealthcare • UnitedHealthcare is committed to improving the consumer and clinician experience by expanding access to care and digital support services, simplifying and reducing prior approvals and deepening support for the communities it serves.”
“UnitedHealthcare is dedicated to improving the value customers and consumers receive by improving health and wellness, enhancing the quality of care received, simplifying the healthcare experience an…”
“UnitedHealthcare is dedicated to improving the value customers and consumers receive by improving health and wellness, enhancing the quality of care received, simplifying the health care experience a…”
“UnitedHealthcare is dedicated to improving the value customers and consumers receive by improving health and wellness, enhancing the quality of care received, simplifying the health care experience a…”
Using market-leading information, analytics and technology to yield clinical insights, Optum helps improve overall health system performance by optimizing care quality, reducing care costs and improv…
Stated in 3 of 8 supplied quarters. Management reported: “Quarterly Financial Performance Three Months Ended September 30, 2026 September 30, 2025 June 30, 2026 Revenues $66.9 billion $69.2 billion $65.7 billion Earnings from Operations $3.7 billion $2.5 billion $4.0 billion Operating Margin 5.6% 3.6% 6.2% Optum Health • Optum Health continues to progress in operational enhancements that expand patient access to integrated, quality care resources while modernizing the care experience to allow for greater patient satisfaction and a more engaged clinician experience.”
Approval Reform The company is removing prior approval requirements, standardizing approval processes across the industry, reducing paperwork requirements and increasing transparency into the approva…
Stated in 2 of 8 supplied quarters. Management reported: “• Eliminating 30% of current prior approval volume by the end of 2026.” “• Eliminating 30% of current prior approval volume by the end of 2026.”
“Approval Reform The company is removing prior approval requirements, standardizing approval processes across the industry, reducing paperwork requirements and increasing transparency into the approva…”
The company continues to target a long-term debt-to-capital ratio of approximately 40.0% by year-end.
Stated in 3 of 8 supplied quarters. Management reported: “• The company repurchased $4.0 billion of its common stock through mid-July 2026 and is on track to repurchase at least $5.0 billion for the full year 2026.” “The company continues to target a long-term debt-to-capital ratio of approximately 40.0% by year-end.”
“The company continues to target a long-term debt-to-capital ratio of approximately 40.0% by year-end.”
Continue to improve full year 2026 adjusted net earnings guidance, reflecting performance year-to-date and improved outlook.
Over the trailing year it converted 1.90x of net income into operating cash flow. Historically, Health Care names rated robust grew net income 54% of the time over the next year (vs 44% for the rest of the cohort, n=2525).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
9 material management or governance events in the past 24 months, led by executive changes. Historically, Health Care names rated stable grew net income 43% of the time over the next year (vs 45% for the rest of the cohort, n=9530).
Not investment advice. As of 2026-11-05.
“Using market-leading information, analytics and technology to yield clinical insights, Optum helps improve overall health system performance by optimizing care quality, reducing care costs and improv…”
“Using market-leading information, analytics and technology to yield clinical insights, Optum helps improve overall health system performance by optimizing care quality, reducing care costs and improv…”
“• Accelerating simplification and modernization, including substantial artificial intelligence and cybersecurity investments.”
“Prior Approval Reform The company is removing prior approval requirements, standardizing processes across the industry, cutting back on paperwork and increasing transparency into the prior approval p…”
“The company continues to target a long-term debt-to-capital ratio of approximately 40.0% by year-end.”
“The company continues to target a long-term debt-to-capital ratio of approximately 40.0% and expects to reach that level in the back half of 2026.”