UnitedHealth Group Inc.
- Price
- 420.74 USD
- Fair value
- 189.27 USD
- Discount to fair value
- −122%
- Mkt cap
- 382.09B
- P/E
- 31.7×
- P/B
- 3.94×
- EV
- 436.12B
- Div yield
- 2.07%
- ROE
- 12.4%
- Net margin
- 2.7%
Current price420.74USD
Fair value (est., median)189.27USD
UndervaluedFair valueOvervalued
+122.3% above fair valueWould need to fall ~55.0% to reach fair value.
Median ofDCF 580.08DDM 158.98Graham 191.69Residual Income 189.27Earnings Power 162.92
Health Check
42.2
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
—
Risks
- Trades 122.3% above estimated fair value.
- Low fair-value confidence — methods disagree or data is thin.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for details
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 19 years · FY2007–FY2025
| Metric | FY'21 | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|---|
| Revenue | 287.60B | 324.16B | 371.62B | 400.28B | 447.57B |
| Net Income | 17.29B | 20.12B | 22.38B | 14.40B | 12.06B |
| Net Margin | 6.0% | 6.2% | 6.0% | 3.6% | 2.7% |
| Operating Cash Flow | 22.34B | 26.21B | 29.07B | 24.20B | 19.70B |
| OCF Margin | 7.8% | 8.1% | 7.8% | 6.0% | 4.4% |
| Capital Expenditure | 2.45B | 2.80B | 3.39B | 3.50B | 3.62B |
| Free Cash Flow | 19.89B | 23.40B | 25.68B | 20.70B | 16.07B |
| FCF Margin | 6.9% | 7.2% | 6.9% | 5.2% | 3.6% |
| FCF Conversion | 115.1% | 116.3% | 114.7% | 143.7% | 133.3% |
| EPS (Diluted) | 19.03/sh | 22.16/sh | 24.64/sh | 15.86/sh | 13.28/sh |
| Dividend / Share | 5.81/sh | 6.60/sh | 7.44/sh | 8.29/sh | 8.72/sh |
Dividend return (if you buy today)if you buy today
Dividend yield2.07%
Dividend / share8.72 USD
If you invest
USD
Shares (≈)23
Est. annual income200.48 USD
At this rate, dividends alone return your capital in ~48.3 years.
Dividend history
Dividend / share & historical yield (USD).
Dividend / share yield %tap a bar for figures
Quarterly dividends & yield
Per-share dividends by quarter, full-year total, and yield on the year's average price · USD
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | 2.21 | 2.32 | — | — | 4.53 | 1.1% |
| 2025 | 2.10 | 2.21 | 2.21 | 2.21 | 8.72 | 2.3% |
| 2024 | 1.88 | 2.10 | 2.10 | 2.10 | 8.29 | 1.6% |
| 2023 | 1.65 | 1.88 | 1.88 | 1.88 | 7.44 | 1.5% |
| 2022 | 1.45 | 1.65 | 1.65 | 1.65 | 6.60 | 1.3% |
Corporate actions
DCash Dividend
2.32 USD /sh2026-06-15
DCash Dividend
2.21 USD /sh2026-03-09
DCash Dividend
2.21 USD /sh2025-12-08
DCash Dividend
2.21 USD /sh2025-09-15
DCash Dividend
2.21 USD /sh2025-06-16
DCash Dividend
2.10 USD /sh2025-03-10
DCash Dividend
2.10 USD /sh2024-12-09
DCash Dividend
2.10 USD /sh2024-09-16
DCash Dividend
2.10 USD /sh2024-06-17
DCash Dividend
1.88 USD /sh2024-03-08
Valuation breakdown
Fair value = median of the applicable methods (DCF، DDM، Graham، Residual Income، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Values the company from the future cash it's expected to generate. · Tap to adjust assumptions
580.08 USD
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
158.98 USD
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
191.69 USD
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
189.27 USD
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
162.92 USD
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)189.27 USD
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 8.65%
- CAPM cost of equity
- 9.38%
- Risk-free rate
- 4.50%
- Equity risk premium
- 7.50%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 10
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in UnitedHealth Group Inc. regularly?
Starting year
- Invested
- 1K/yr · 42K total(1985 → today · 42 yrs)
- your value today is
- 13.6M USD
- Total return
- +32369.1%(+4327.5% Dividends · +28041.6% Capital gain)
- Annualised (IRR)
- +21.5%
Invested42KUSD
Dividends1.8MUSD
Capital gain11.8MUSD
InvestedCapital gainDividendstap a bar for figures
Community Notes0
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