Qualtix Stock Brief
UnitedHealth Group Incorporated (UNH) stock analysis: business quality, valuation, and entry timing
UnitedHealth Group runs the largest US health insurer and Optum, a health services business spanning care delivery, pharmacy benefits, and data. Medical cost trends and government reimbursement rates are the key swing factors behind its margins. Public Qualtix model snapshot from 2026-10-26 for UNH: business quality 34/100, below the model's stronger-company threshold and valuation Fair. Today's verdict and Entry Timing are shown after a free sign-in.
Qualtix evaluates UNH with a rules-based model that separates business quality, valuation, entry timing, red flags, and data confidence. The model scores first; AI explanations and the full Clean Brief help explain the result afterward.
Coverage note: Qualtix can analyze supported US stocks when SEC/FMP filing data is available. The 1,000+ stock universe refers to the daily screener used for discovery, not the full analysis limit.
UNH public evidence metrics from the latest validated Qualtix snapshot
| Metric | Value | Why it matters | Source |
|---|---|---|---|
| Revenue growth | 7.7% | 3-year revenue CAGR | FMP, computed |
| FCF margin | 5.1% | Free cash flow divided by revenue | FMP, computed |
| Operating margin | 5.3% | Profitability margin | FMP, computed |
| Gross margin | 22.8% | Revenue retained after direct costs | FMP, computed |
| Return on capital (pre-tax) | 13.4% | Operating profit before tax, divided by equity plus debt | FMP, computed |
| ROE | 15.3% | Return on equity | FMP, computed |
| Cash and debt | Cash and investments $28.5B / Debt $74.3B | Balance-sheet context | FMP, reported |
| TTM P/E | 23.3x | Price to trailing earnings | FMP, computed |
Qualtix view
- Business quality: 34/100, below the model's stronger-company threshold.
- Valuation is currently labeled Fair, which the model weighs separately from business quality.
Today's verdict
- Today's model verdict and Entry Timing for UNH update every market day and are shown after a free sign-in.
Data and snapshot dates
- Model snapshot date: 2026-10-26.
- Financial data through: 2026-09-30.
- Scored by the current Qualtix model.
- Data-confidence status: high.
What supports the current view
- Beta of 0.61 suggests lower market sensitivity than higher-beta alternatives.
What weakens the current view
- Business quality remains below the model's stronger-company threshold (34/100).
- Valuation is currently labeled Fair, so price still matters.
What changed
- Business Quality was unchanged from the previous snapshot.
What to research next
- Start with the weaker Business Quality signal (34/100): review revenue durability, margins, cash generation, and balance-sheet pressure.
- Compare UNH's Fair valuation label with similar companies before treating price as a clear advantage.
- Compare UNH with JNJ and ABBV to see whether the model edge is company-specific or sector-wide.
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Qualtix is for research and education only. It is not financial advice.