UNH

SELL

UnitedHealth Group Incorporated

Healthcare · Rank #389 · Analyzed Apr 20, 2026

$324.63

Current Price

$644.70

Intrinsic Value

0.0%

Upside/Downside

1.5/10

Score

1.5/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score1.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 0.0%

Fair Value Range

Low$89.63

Base (IV)$644.70

High$988.03

Entry Points

Conservative$89.63

Moderate$367.17

Aggressive$644.70

⚠️ Warnings

Upside capped: raw 204% exceeds 200% — valuation unreliable

Quality & Moat Breakdown

Return on Equity12.5% → 0.5/1.0

Debt LevelD/E 82 → 0/1.0

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

Moat Strength1.5/5 → 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.