UnitedHealth Group Incorporated (UNH.US) Price Target 2026/2027: 20% Upside – Rating and Stock Analysis

404,15
-2,08%
Price history for UnitedHealth Group Incorporated (UNH.US) – stock price at 404.15 $, August 2026
UnitedHealth Group Incorporated stock price – price development 2026. Updated Aug 6, 2026.
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UnitedHealth Group Incorporated Price Target 2026: Analysts See 18% Upside

The average price target for UnitedHealth Group Incorporated is $475.23. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 17,59% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is UnitedHealth Group Incorporated overvalued or undervalued?

UnitedHealth Group Incorporated is currently undervalued with a gap of 17.6% relative to the price target.


The current price is $404.15, which places UnitedHealth Group Incorporated in the undervalued category. The stock is considered undervalued when the price is below $427.71, and overvalued when the price exceeds $522.75.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For UnitedHealth Group Incorporated, the fair value range lies between $427.71 and $522.75.


See the full price target analysis for UnitedHealth Group Incorporated →

Analyst Ratings for UnitedHealth Group Incorporated stock in 2026: Buy

27 analysts cover UnitedHealth Group Incorporated. The majority is positive, with 74.1% recommending Buy, while 18.5% recommend Hold. The average price target is $475.23, which gives an upside of 17.6% from the current price.

Consensus: Buy (4.15/5)
Strong Buy
14 (51.9%)
Buy
6 (22.2%)
Hold
5 (18.5%)
Sell
1 (3.7%)
Strong Sell
1 (3.7%)
Strong Sell Sell Hold Buy Strong Buy
4.15 out of 5 based on 27 analysts

About UnitedHealth Group Incorporated – Healthcare Plans

UnitedHealth Group, eller UNH, er et kæmpe sundhedsfirma, der tjener penge på flere fronter i USA. De driver fire store forretningsområder. De sælger for eksempel sundhedsforsikringer og ydelser gennem deres UnitedHealthcare-del. Her tilbyder de planer til alt fra store arbejdsgivere til ældre borgere og folk på Medicaid. Derudover har de Optum-divisionen. Optum Health leverer behandlinger og pleje, Optum Rx står for apoteksydelser, og Optum Insight laver data- og konsulentarbejde for sundhedssektoren. UnitedHealth Group blev grundlagt i 1977 og har i dag over 400.000 ansatte, hvilket viser, hvor bredt de dækker markedet. Read more about the company

Key Figures for UnitedHealth Group Incorporated

$ 370B Market cap
$ 450B Revenue
Healthcare Plans Industry
31.25 P/E
0.82 P/S
3.84 P/B
USA Listed on exchange
Sundhed Sector

What kind of stock is UnitedHealth Group Incorporated?

Growth stock Momentum stock

UnitedHealth Group Incorporated is classified as a growth stock and momentum stock. This means the stock combines several attractive traits, and strong price momentum.

Score Overview for UnitedHealth Group Incorporated

💰 Value Score 56/100 (Neutral)
⭐ Quality Score 66/100 (High)
🚀 Momentum Score 80/100 (Very High)
📊 Total Score 67/100

⚠️ 1 red flag identified

Our analysis has identified 1 potential risk factor in UnitedHealth Group Incorporated that investors should be aware of.

⚠️ High debt: The debt-to-equity ratio is 211% – the company carries considerably more debt than equity, which raises the financial risk.

📈 Valuation

UnitedHealth Group Incorporated trades at a P/E ratio of 31.3, which is above the market average. The forward P/E is 20.9 (33% lower), which suggests the market expects rising earnings. The P/S ratio is 0.8 (low — potentially undervalued relative to revenue). The P/B ratio is 3.8. The PEG ratio is 1.28.

💵 Profitability & Growth

UnitedHealth Group Incorporated has a profit margin of 3.1% (moderate) and an operating margin of 7.1%. Return on equity (ROE) is 14.2% — solid return on equity. Return on assets (ROA) is 4.4%. The latest quarterly earnings grew 61.5% year over year — strong growth.

🏦 Financial Health

The Piotroski score is 8 out of 9 — excellent financial health. Altman Z2 is 1.22 (middle zone — moderate). The debt-to-equity ratio (D/E) is 211.2% — high debt, which raises the risk.

🚀 Momentum & Short Interest

Short interest is 2.13%.

UnitedHealth Group Incorporated Dividend 2026: 1.1% Dividend Yield

Dividend Key Figures for UnitedHealth Group Incorporated in 2026

Dividend yield
1.06%
Dividend per share
2.32 USD
Payout ratio
48.0%
Healthy
Dividend growth (5 years)
-10.8%
Avg. annual dividend (3 years)
6.59 USD

When does UnitedHealth Group Incorporated pay a dividend in 2026?

Latest ex-dividend date (traded without the dividend)
June 15, 2026
Next dividend payment
June 23, 2026
Latest payment date
June 23, 2026

How much does UnitedHealth Group Incorporated pay in dividends?

UnitedHealth Group Incorporated pays dividends to its shareholders. The most recently paid dividend was 2.32 USD per share, which corresponds to a dividend yield of 1.06%. Over the last 5 years, the annual dividend has fallen by 10.8%.

The payout ratio is 48.0%, which is considered healthy and sustainable. The company balances rewarding shareholders with reinvesting in growth.

Historical Dividend Payments for UnitedHealth Group Incorporated

We have registered dividend payments for UnitedHealth Group Incorporated since 2020-03-13. In that period the stock has paid a dividend 24 times, most recently on 2026-06-15. This stock qualifies as a stable dividend stock, because it has paid a dividend at least once a year for the last 5 years. That makes it attractive to investors looking for steady, regular dividend payments.

Ex-datePayment dateAmountCurrencyPeriod
2026-06-152026-06-232.32USDUnknown period
2026-03-092026-03-172.21USDUnknown period
2025-12-082025-12-162.21USDUnknown period
2025-03-102025-03-182.10USDUnknown period
2024-12-09N/A2.10USDUnknown period
2024-09-162024-09-242.10USDUnknown period
2024-06-172024-06-252.10USDUnknown period
2024-03-082024-03-191.88USDUnknown period
2023-12-012023-12-121.88USDUnknown period
2023-09-082023-09-191.88USDUnknown period
2023-06-162023-06-271.88USDUnknown period
2023-03-102023-03-211.65USDUnknown period
2022-12-022022-12-131.65USDUnknown period
2022-09-092022-09-201.65USDUnknown period
2022-06-162022-06-281.65USDUnknown period
2022-03-112022-03-221.45USDUnknown period
2021-12-032021-12-141.45USDUnknown period
2021-09-102021-09-211.45USDUnknown period
2021-06-182021-06-291.45USDUnknown period
2021-03-122021-03-231.25USDUnknown period
2020-12-042020-12-151.25USDUnknown period
2020-09-112020-09-221.25USDUnknown period
2020-06-192020-06-301.25USDUnknown period
2020-03-132020-03-241.08USDUnknown period

Insider Trading in UnitedHealth Group Incorporated 2026: The Signal Is negative

In 2026, insiders at UnitedHealth Group Incorporated have made 20 transactions – split into 1 purchases and 19 sales. On a net basis, insiders put 834,845 $ into the stock, which is a positive signal. Active insiders include DeVeydt Wayne S, Conway Patrick Hugh, Zaetta Christopher R and others. In the short term (last 3 months), the insider signal is negative.

Short-Term Signal (3 months): Negative

Insiders have exclusively sold shares over the last 3 months.

Over the last 3 months: 0 purchases and 3 sales. A net 401,272 $ out of the stock.

Long-Term Signal (all transactions): Mixed

There are both insider purchases and sales, with no clear direction. This is normal for large companies, where management adjusts positions on an ongoing basis.

Across the last 20 transactions: 1 purchases and 19 sales. A net 834,845 $ into the stock.

Latest purchase: DeVeydt Wayne S bought 8,855 shares at 282 $ each on 2026-02-23. The stock has since risen 46.2%.

Latest sale: Conway Patrick Hugh sold 686 shares at 399 $ each on 2026-06-05.

Who is buying: DeVeydt Wayne S.

Who is selling: Conway Patrick Hugh, Zaetta Christopher R, ROOS THOMAS E, Noel Timothy John, McSweeney Erin and others.

Latest Insider Trades in UnitedHealth Group Incorporated (2026)

The table shows the last 20 reported insider transactions in UnitedHealth Group Incorporated. Green rows are purchases, red rows are sales. The data is based on official filings.

Transaction date Name Type Number of shares Price per share ($) Total amount ($)
2026-06-05 Conway Patrick Hugh Sell 686 399 274,036
2026-06-03 Zaetta Christopher R Sell 134 377 50,518
2026-06-02 Conway Patrick Hugh Sell 203 378 76,718
2026-04-23 Conway Patrick Hugh Sell 800 355 284,000
2026-02-23 DeVeydt Wayne S Buy 8,855 282 2,500,121
2026-02-20 Zaetta Christopher R Sell 130 290 37,700
2026-02-20 ROOS THOMAS E Sell 153 290 44,370
2026-02-20 Noel Timothy John Sell 152 290 44,080
2026-02-20 McSweeney Erin Sell 136 290 39,440
2026-02-20 Conway Patrick Hugh Sell 249 290 72,210

Who is buying and selling UnitedHealth Group Incorporated shares in 2026?

The following insiders have bought shares in UnitedHealth Group Incorporated: DeVeydt Wayne S. In total, 2,500,121 $ was bought across 1 transactions. The following insiders have sold shares: Conway Patrick Hugh, Zaetta Christopher R, ROOS THOMAS E, Noel Timothy John, McSweeney Erin and others. In total, 1,665,276 $ was sold across 19 transactions. Insider trades are legal transactions in which executives and board members buy or sell shares of their own company. These transactions are reported to the SEC and are publicly available.

UnitedHealth Group Incorporated Short Selling 2026: 2.1% Sold Short

Moderate short interest: 2.1% of the free float
Short % of free float
2.1%
Assessment
Moderate short interest
Short squeeze risk
Low
Data source
SEC
Updated daily
The stock has a moderate share of short selling. Between 2-5% of the freely traded shares are sold short, which is within the normal range for most stocks.

Data is updated daily based on official filings with the SEC.
Short Interest Scale
0% 2% 5% 10% 20%+
Low Moderate High Very High Extreme
2.1%

When Does UnitedHealth Group Incorporated Report Earnings – Next Date: 10/27/2026

The next earnings report from UnitedHealth Group Incorporated is scheduled for October 27, 2026, before the market opens. This report covers the third quarter (Q3), which ended on September 30, 2026.



Technical Analysis of UnitedHealth Group Incorporated 2026 – Signal: Buy

Overall Technical Signal: Buy

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated August 6, 2026.

Technical analysis of UnitedHealth Group Incorporated (UNH.US) – RSI 47, MACD positive (bullish), daily candlestick chart August 2026
UnitedHealth Group Incorporated technical analysis – candlestick chart with RSI and MACD. Updated Aug 6, 2026.

Trend Analysis of UnitedHealth Group Incorporated

UnitedHealth Group Incorporated is in a short-term downtrend. The price of $412.75 is 2.3% below the 20-day average ($422.53). Medium term, the picture is positive: the price is 0.4% above the 50-day average ($411.17). Long term, the stock is 20.6% above the 200-day average ($342.38), which confirms a long-term uptrend.

Golden Cross: The 50-day average (411.17) is above the 200-day average (342.38), which is a classic bullish signal for UnitedHealth Group Incorporated.

Is UnitedHealth Group Incorporated overbought or oversold?

UnitedHealth Group Incorporated has an RSI of 46.8, right in the middle of the neutral zone. There is no clear buying or selling pressure.

MACD Analysis for UnitedHealth Group Incorporated

Daily MACD: MACD is positive (0.258), which means the short-term trend is bullish (the 12-day EMA is above the 26-day EMA). MACD is below the signal line (3.078) by 2.820, which suggests the positive momentum is fading – the trend could be turning.

Weekly MACD: MACD5 is positive (27.983), which indicates a broader bullish long-term trend. MACD5 is above the signal line (22.947) by 5.036, which confirms rising long-term momentum.

Overall MACD assessment: Both the daily and weekly trend are bullish (MACD positive). However, momentum shows signs of weakening on a daily basis. Watch whether the trend holds.

Risk Profile for UnitedHealth Group Incorporated

UnitedHealth Group Incorporated has an annual standard deviation of 37.7%, which classifies the stock as medium risk. The price can swing noticeably when the market moves.

Overall Technical Conclusion for UnitedHealth Group Incorporated

Trend: Neutral/mixed.

MACD trend (zero line): Daily bullish (0.258). Weekly bullish (27.983).

MACD momentum (signal): Daily falling. Weekly rising.

RSI: 46.8 – neutral.

Technical signal: Buy

The broader trend is positive and MACD supports the picture. Consider buying with a stop-loss below the nearest support level.

Frequently Asked Questions About UnitedHealth Group Incorporated stock in 2026

Should you buy UnitedHealth Group Incorporated stock now?
Yes, the technical signal for UnitedHealth Group Incorporated is currently BUY. UnitedHealth Group Incorporated trades at $404.15 as of 8/6/2026. The overall technical signal is: Buy. The technical analysis shows the following: MACD is positive (bullish trend) at 0.258 with falling momentum (signal: 3.078); RSI is at 46.8 (neutral zone); the stock is in a short-term downtrend (price below the 20-day average); the analyst price target of $475.23 points to 17.6% upside. This is a technical observation based on current data, not investment advice.
What is the price target for UnitedHealth Group Incorporated stock?
The average analyst price target for UnitedHealth Group Incorporated is $475.23. The current price is $404.15, which gives an upside of 17.6%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $427.71 and $522.75.
Is UnitedHealth Group Incorporated a dividend stock?
Yes, UnitedHealth Group Incorporated is a dividend stock with a dividend yield of 1.06%. The latest dividend was $2.32 per share. The latest ex-dividend date (traded without the dividend) was 6/15/2026. The payout ratio is 48.0%, which is considered sustainable. The next dividend payment is scheduled for 6/23/2026.
When does UnitedHealth Group Incorporated pay a dividend in 2026?
UnitedHealth Group Incorporated pays its next dividend on 6/23/2026. The latest dividend was $2.32 per share with an ex-dividend date of 6/15/2026. The dividend yield is 1.06%. The payout ratio of 48.0% points to a sustainable dividend with room to grow.
What is the risk of UnitedHealth Group Incorporated stock?
UnitedHealth Group Incorporated is rated as a stock with moderate risk. the annual standard deviation is 37.7%, which classifies the stock as moderate risk.
Is UnitedHealth Group Incorporated overvalued?
No, UnitedHealth Group Incorporated is considered undervalued based on the analyst price target (17.6% upside). UnitedHealth Group Incorporated has the following valuation ratios: a P/E ratio of 31.3 (highly valued), a P/S ratio of 0.8, a P/B ratio of 3.8. The analyst price target suggests that the stock is undervalued by 17.6%.
Is UnitedHealth Group Incorporated overbought?
No, UnitedHealth Group Incorporated is not overbought. RSI is at 46.8 (neutral zone). The technical indicators show: RSI is at 46.8 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 4.4% below the 20-day average (short-term downtrend). In addition, MACD is positive, but momentum is falling.
When is the next UnitedHealth Group Incorporated earnings report?
UnitedHealth Group Incorporated reports its next earnings on October 27, 2026. The stock currently trades at $404.15. With a P/E ratio of 31.3, the market will be watching closely whether earnings meet expectations.
Is UnitedHealth Group Incorporated shorted?
Yes, UnitedHealth Group Incorporated is shorted with 2.1% of the free float sold short. This is a moderate level of short selling, within the normal range for most stocks. Data is updated daily based on official filings with the SEC.
Are insiders buying UnitedHealth Group Incorporated stock?
No, insiders are not buying UnitedHealth Group Incorporated shares – they are net sellers. Over the last 3 months, insiders have made 0 purchases and 3 sales. On a net basis, 401,272 $ worth of shares were sold. Across the last 20 reported transactions, the split is 1 purchases and 19 sales, with a net 834,845 $ bought. Active sellers include Conway Patrick Hugh, Zaetta Christopher R, ROOS THOMAS E and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is UnitedHealth Group Incorporated a good stock?
Based on our total score, UnitedHealth Group Incorporated is rated as a good stock with a total score of 67 out of 100. The stock scores above average on value, quality and momentum – it is among the top 33% in our database. The score is made up of Value: 56/100, Quality: 66/100, Momentum: 80/100. In addition: analysts see 17.6% upside to the price target; a dividend of 1.06%; technical signal: Buy. Whether UnitedHealth Group Incorporated is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for UnitedHealth Group Incorporated stock?
The outlook for UnitedHealth Group Incorporated based on current data: the average analyst price target is $475.23 (+17.6%); the next earnings report is due on 10/27/2026, which can move the price; the P/E ratio is 31.3 (high – the market expects growth). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is UnitedHealth Group Incorporated stock falling?
UnitedHealth Group Incorporated is falling right now. The technical indicators show: the price is 4.4% below the 20-day average; insiders have mostly been selling the stock recently. For the latest context, see our technical analysis, insider section and news overview above.
How high can UnitedHealth Group Incorporated go?
The average analyst price target for UnitedHealth Group Incorporated is $475.23, which corresponds to a potential gain of 17.6% from the current price of $404.15. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can UnitedHealth Group Incorporated fall?
We lack enough history to give a specific floor for UnitedHealth Group Incorporated. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does UnitedHealth Group Incorporated do?
UnitedHealth Group, eller UNH, er et kæmpe sundhedsfirma, der tjener penge på flere fronter i USA. De driver fire store forretningsområder. De sælger for eksempel sundhedsforsikringer og ydelser gennem deres UnitedHealthcare-del. Her tilbyder de planer til alt fra store arbej... The company belongs to the Sundhed sector, more specifically the Healthcare Plans industry, is headquartered in USA, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate UnitedHealth Group Incorporated as an investment.
Did UnitedHealth Group Incorporated raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from UnitedHealth Group Incorporated. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history and the news overview above.
Is UnitedHealth Group Incorporated making money or losing money?
Yes, UnitedHealth Group Incorporated is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 3.1% — which is modest. The operating margin (profit before interest and taxes) is 7.1%. At a P/E ratio of 31.3, you currently pay 31.3 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can UnitedHealth Group Incorporated go bankrupt?
The bankruptcy risk of UnitedHealth Group Incorporated is rated as moderate. Altman Z2 (a model for assessing financial distress) is 1.22 — that places the company in the middle zone. The Piotroski score (financial health 0-9, higher is better) is 8 — which is strong. Debt relative to equity is 211% (high). Remember: models like Altman Z2 are statistical — unexpected shocks (fraud, a sector collapse, lawsuits) can always happen. Spread your portfolio.
Does UnitedHealth Group Incorporated have a lot of debt?
Yes, UnitedHealth Group Incorporated has elevated debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 211%. For the sundhed sector, anything above 150% counts as elevated — that raises the financial risk, especially if interest rates rise or earnings fall. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector. Can UnitedHealth Group Incorporated service its debt? Can service its debt without problems — the interest coverage ratio (how many times earnings can cover interest payments) is 8.2x, and net debt equals 1.7 years of earnings (EBITDA).