UNH

HOLD

UnitedHealth Group Incorporated

Healthcare · Rank #18 · Analyzed Oct 18, 2026

$401.43

Current Price

$601.64

Intrinsic Value

+49.9%

Upside/Downside

6.5/10

Score

2.5/5

Quality

Analysis Summary

Valuation Consensus1/2 methods agree

Quality Score2.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 49.9%

Fair Value Range

Low$234.52

Base (IV)$601.64

High$841.47

Entry Points

Conservative$164.17

Moderate$234.52

Aggressive$421.15

Quality & Moat Breakdown

Return on Equity15.8% → 1.0/1.0

Debt LevelD/E 70 → 0/1.0

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

Moat Strength1.5/5 → 0/1.0

Profit Margins3.5% → 0.5/1.0

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.