UnitedHealth Group is one of the largest private health insurers, providing medical benefits to about 53 million members globally, including 5 million outside the U.S. as of mid-2023. As a leader in employer-sponsored, self-directed, and government-backed insurance plans, UnitedHealth has obtained massive scale in managed care. Along with its insurance assets, UnitedHealth's continued investments in its Optum franchises have created a healthcare services colossus that spans everything from medical and pharmaceutical benefits to providing outpatient care and analytics to both affiliated and third-party customers.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	0.44
Equity-to-Asset	0.31
Debt-to-Equity	0.85
Debt-to-EBITDA	2.53
Interest Coverage	9.65
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	3.52	Distress Grey Safe
Beneish M-Score	-2.36	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	14
	3-Year EBITDA Growth Rate	13.7
	3-Year EPS without NRI Growth Rate	16.2
	3-Year FCF Growth Rate	9.4
	3-Year Book Growth Rate	11.5
	Future 3-5Y EPS without NRI Growth Rate	11.93
	Future 3-5Y Total Revenue Growth Rate	7.41

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	99.75
	9-Day RSI	95.33
	14-Day RSI	85.81
	6-1 Month Momentum %	-7.13
	12-1 Month Momentum %	4.02

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.85
	Quick Ratio	0.85
	Cash Ratio	0.31
	Days Sales Outstanding	21.07
	Days Payable	80.09

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.5
	Dividend Payout Ratio	0.29
	3-Year Dividend Growth Rate	14.7
	Forward Dividend Yield %	1.63
	5-Year Yield-on-Cost %	3.23
	3-Year Average Share Buyback Ratio	0.8
	Shareholder Yield %	1.15

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	24.05
	Operating Margin %	8.49
	Net Margin %	4.05
	FCF Margin %	2.77
	ROE %	18.13
	ROA %	5.47
	ROIC %	10.02
	ROC (Joel Greenblatt) %	230.38
	ROCE %	14.66
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	31.5
	Forward PE Ratio	18.26
	PE Ratio without NRI	20
	Shiller PE Ratio	33.17
	Price-to-Owner-Earnings	157.65
	PEG Ratio	1.47
	PS Ratio	1.27
	PB Ratio	5.47
	Price-to-Free-Cash-Flow	46.15
	Price-to-Operating-Cash-Flow	34.87
	EV-to-EBIT	20.51
	EV-to-Forward-EBIT	14.55
	EV-to-EBITDA	17.7
	EV-to-Forward-EBITDA	13.1
	EV-to-Revenue	1.36
	EV-to-Forward-Revenue	1.29
	EV-to-FCF	49
	Price-to-Projected-FCF	1.47
	Price-to-DCF (Earnings Based)	0.74
	Price-to-DCF (FCF Based)	1.7
	Price-to-Median-PS-Value	1.11
	Price-to-Peter-Lynch-Fair-Value	1.76
	Earnings Yield (Greenblatt) %	4.88
	FCF Yield %	2.22
	Forward Rate of Return (Yacktman) %	15.47

GF Value: $593.94

LIM:UNH

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