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UnitedHealth Group Incorporated Quality Score

UNH

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Quality48

Growth is the primary weakness (avg 35/100). Valuation is the relative bright spot.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
80/100
23.3x

20–25x range, moderate premium

Cash Flow Multiple
90/100
16.1x

Under 20x cash flow, well covered

Revenue Growth
70/100
8.5%

5–10% CAGR, steady but not exceptional

Cash Flow Growth
0/100
-0.6%

Below 2%, essentially flat

Business Quality & Capital Allocation

Share Dilution
100/100
-5.1%

Shrinking >2%, active buybacks

Margin Trend
0/100
-3.5pp

Contracted >2pp, margin pressure

Capital Structure
0/100
$45.78B

Net debt/FCF of 2.0x, high leverage

2022
$27.9B
$62.5B
2023
$29.6B
$67.4B
2024
$29.1B
$81.8B
2025
$28.1B
$83.0B
TTM
$28.6B
$74.3B
CashDebt
Return on Capital
60/100
11.6%

10–15%, respectable returns

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UnitedHealth Group (UNH) quality: score, margins and returns

UnitedHealth Group (UNH) scores 48/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100, on 5.3% operating margins and 11.6% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is UnitedHealth Group (UNH) a high-quality business?+

UnitedHealth Group scores 48 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Recent figures include a 5.3% operating margin and a 11.6% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does UnitedHealth Group's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from UNH's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where UnitedHealth Group scores well and where it falls behind.

What is UnitedHealth Group's return on invested capital (ROIC)?+

UnitedHealth Group earns about 11.6% on its invested capital, which is solid. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to UNH's margins and growth on this scorecard to judge durability.

How profitable is UnitedHealth Group?+

UnitedHealth Group runs an operating margin of about 5.3% and a net margin of about 3.5%. Revenue has grown at roughly 11.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 30 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 4 Nov 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Peers

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Held by ETFs

UNH is in 438 US ETFs. The largest of them, with UNH's weight in each:

Spot a number that looks wrong? Check it in UNH's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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