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UnitedHealth Group Incorporated
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
Lower valuation, weak fundamentals
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2 of 5 met · composite in line with peers
Business quality, valuation against the sector, and position in the 52-week range — whether they line up or not.
Stable quality
Profitability
3/4
Debt & liquidity
2/3
Efficiency
2/2
Revenue at UnitedHealth Group Incorporated grew 11.8% year over year, roughly +102% above the sector median of 5.9%, and FCF yield of 6.8% runs +77% above the sector median — two numbers that sit well against the sector. The valuation reflects some of that: EV/EBITDA of 18.1× is -19% below the sector median of 22.3×, placing the stock in the top quartile for cheapness. Where the picture turns less flattering is operating margin, at 4.2% against a sector median of 19.1% — -78% below — and the current ratio of 0.79 trails the sector median of 1.40 by -44%, pointing to tighter near-term liquidity. The F-Score of 7/9 and a composite of 52/100 against the sector median describe a business that is priced modestly but carries structural weaknesses; consensus models earnings growth that the realized three-year EPS CAGR of {{value:eps_cagr_3y}} in SEC filings has not yet matched.
| Ticker | Name | F-Score | ROE | Revenue YoY | Op. margin |
|---|---|---|---|---|---|
| ABBV | AbbVie | 8/9 | 15 367% |
Quarter-by-quarter classification · a retrospective read by the current logic · not a price forecast
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice. The method did not see these quarters in real time; this is the current logic applied to past reports.
The market prices in earnings growth; analyst sentiment is steady; has mostly beaten consensus.
Price against next year's expected earnings. The forward P/E already carries analyst optimism — read it alongside the “Versus consensus” line.
A forward P/E below the current one means the market expects earnings to grow; above it, to fall. The historical growth is realized figures from SEC filings, not a forecast.
The three-month change in the share of positive analyst ratings. This is sentiment, not an earnings-estimate revision, and not a call to act.
On October 26, 2026, track whether UNH's operating margin — currently 19.1%, sitting 78% below the sector median — shows any sequential improvement. Also watch revenue growth, which ran at 5.86% year over year, to see if that pace holds relative to peers.
On SEC EDGAR, open UNH's most recent 10-K and focus on management's discussion of medical loss ratios and the current ratio of 1.40, which sits 44% below the sector median. The risk factors section will clarify how claims inflation and liquidity pressures are being managed.
In the same-sector table in section 06, pick two or three companies and line up FCF yield and EV/EBITDA. UNH's FCF yield of 3.83% runs 77% above the sector median and its EV/EBITDA of 22.3× sits 19% below it — use those figures as your reference points, not as a verdict.
Steps you can check yourself, based on the figures in this brief.
Piotroski F-Score: nine binary tests of financial strength from the annual report. A ✓ marks a test passed, a dot (·) a test failed.
Over 4 years: +18%+10%-19%-22%
Over 4 years: 1.711.601.993.10
Over 4 years: +13%+15%+8%+12%
The context on the right shows how each figure compares with the sector median. The trend below tracks the change over recent fiscal years.
Beat consensus in 5 of 8 recent quarters — a mixed record.
Last quarter's EPS against consensus, plus the estimated date of the next report.
| +9% |
| 25% |
| ABT | Abbott | 6/9 | 13% | +6% | 18% |
| AMGN | Amgen | 7/9 | 106% | +10% | 25% |
| BMY | Bristol-Myers Squibb | 8/9 | 41% | -0% | — |
| CVS | CVS Health | 6/9 | 2% | +8% | 1% |
| DHR | Danaher | 5/9 | 7% | +3% | 19% |
| GILD | Gilead Sciences | 8/9 | 40% | +2% | 34% |
| ISRG | Intuitive Surgical | 6/9 | 17% | +21% | 29% |
| JNJ | Johnson & Johnson | 4/9 | 35% | +6% | — |
| LLY | Eli Lilly | 7/9 | 101% | +45% | — |
| MRK | Merck | 4/9 | 37% | +1% | — |
| PFE | Pfizer | 5/9 | 9% | -2% | — |
| TMO | Thermo Fisher | 5/9 | 13% | +4% | 17% |
| UNH | UnitedHealth Group Incorporated | 7/9 | 18% | +12% | 4% |
A sample of 14 companies in the sector including the target, alphabetical, unranked. Data from the latest SEC annual reports.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
A simplified retrospective read: no analyst forecast (not available historically); the source is the annual report as of the date, so neighbouring quarters can rest on the same data. Quarters with the same classification in a row are merged into one row — each row is one change in the read, not a separate quarter. One ticker is an illustration of the classification logic, not statistics. How we calculate →
The last few quarters are recent context, not a fixed rate. Consensus for near quarters is set low, so companies clear it routinely; over long horizons the forecasts run the other way, too high.
A description of what the market and analysts expect. Not a price forecast and not investment advice. Analyst forecasts run systematically optimistic over long horizons — read them with that discount.