UNH

SELL

UnitedHealth Group Incorporated

Healthcare · Rank #394 · Analyzed Jul 13, 2026

$424.62

Current Price

$271.59

Intrinsic Value

-36.0%

Upside/Downside

1.5/10

Score

1.5/5

Quality

Analysis Summary

Valuation Consensus0/2 methods agree

Quality Score1.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 36.0%

Fair Value Range

Low$228.78

Base (IV)$271.59

High$275.93

Entry Points

Conservative$160.15

Moderate$228.78

Aggressive$190.11

Quality & Moat Breakdown

Return on Equity12.2% → 0.5/1.0

Debt LevelD/E 74 → 0/1.0

Revenue QualityGrowth 17.3%, margin Δ-6.0% +recovery → 1.0/1.0

Moat Strength0.5/5 → 0/1.0

Profit Margins2.7% → 0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.