UnitedHealth Group

UNH US Health Care Managed Health Care
S&P 500 Dow Jones
$379.09
-2.37%
Delayed · cached 15 min

Fair value analysis

UNH
UnitedHealth Group
Health Care›Managed Health Care
$379.09
Close used for this calculation
$302.34Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
39/100
Profitability11/25
Returns12/25
Balance Sheet5/25
Efficiency11/25
Growth6/25
Average
Quality radar
39Prof.11/25Ret.12/25Eff.11/25B.Sht5/25Growth6/25

Consensus fair value

$302.34
Above FV
▼ -20.2% against the close used
Model range $104.17 – $461.43
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$104.17Fair value$302.34Bull$461.43
FairClose
52-week traded range
52W low $259.0252W high $436.35

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

UnitedHealth Group closed at $379.09, 25.4% above the consensus fair value of $302.34 drawn from 9 valuation models.

Financial DNA score 39/100 — Average. P/E of 28.7x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$329.87
-13.0%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=8%, r=10%, tg=3%, n=10yr
Graham Number
$104.17
-72.5%
√(22.5 × EPS × BVPS)
EPS=13.23, BVPS=36.45 · outside Graham range (P/E 28.7, P/B 10.4) — asset-light, treat as a rough floor
P/E Fair Value
$264.60
-30.2%
EPS × 20x (sector P/E)
EPS=13.23, Sector P/E=20x
Peter Lynch (PEG)
$105.31
-72.2%
EPS × Growth% (PEG = 1 is fair)
EPS=13.23, g=8%
EV/EBITDA
$298.55
-21.2%
(EBITDA × 14x − Net Debt) ÷ Shares
EBITDA=23.33B
Dividend Discount (DDM)
$461.43
+21.7%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=8.72, r=10%, g=8%
Book Value (P/B)
$278.03
-26.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=36.45, ROE=36.5%, g=6%, r=10%
Reverse DCF
$379.09
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 12% | Historical: 8%
Margin of Safety
$174.66
-53.9%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=232.88, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.