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

7/10

Name	Current	Vs Industry
Cash-To-Debt	0.44
Equity-to-Asset	0.33
Debt-to-Equity	0.8
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	3.01	Distress Grey Safe
Beneish M-Score	-2.36	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	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	12.93
	Future 3-5Y Total Revenue Growth Rate	7.7

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	9-Day RSI	100
	14-Day RSI	100
	12-1 Month Momentum %	9.68

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	72.31

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.48
	Dividend Payout Ratio	0.29
	3-Year Dividend Growth Rate	14.7
	Forward Dividend Yield %	1.48
	5-Year Yield-on-Cost %	3.11
	3-Year Average Share Buyback Ratio	0.8
	Shareholder Yield %	1.28

Profitability Rank

9/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	24.05
	Operating Margin %	8.49
	Net Margin %	4.05
	FCF Margin %	2.77
	ROE %	17.89
	ROA %	5.47
	ROIC %	9.77
	ROC (Joel Greenblatt) %	231.66
	ROCE %	14.66
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	30.1
	Forward PE Ratio	17.67
	PE Ratio without NRI	19.11
	Shiller PE Ratio	32.28
	Price-to-Owner-Earnings	143.53
	PEG Ratio	1.41
	PS Ratio	1.21
	PB Ratio	4.91
	Price-to-Tangible-Book	4.91
	Price-to-Free-Cash-Flow	44.1
	Price-to-Operating-Cash-Flow	33.32
	EV-to-EBIT	19.67
	EV-to-Forward-EBIT	13.88
	EV-to-EBITDA	16.97
	EV-to-Forward-EBITDA	12.5
	EV-to-Revenue	1.3
	EV-to-Forward-Revenue	1.24
	EV-to-FCF	46.98
	Price-to-Projected-FCF	1.38
	Price-to-DCF (Earnings Based)	0.71
	Price-to-DCF (FCF Based)	1.62
	Price-to-Median-PS-Value	1.07
	Price-to-Peter-Lynch-Fair-Value	1.68
	Price-to-Graham-Number	2.04
	Earnings Yield (Greenblatt) %	5.08
	FCF Yield %	2.32
	Forward Rate of Return (Yacktman) %	15.67

GF Value: $631.68

XSGO:UNH

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