UNH · NYSE · STOCK
UnitedHealth Group (UNH) Stock Analysis
$390.12
52W $255.97 – $461.62
48/100
$354.28B
25.1
0.63
Is UNH Bullish or Bearish?
Mixed.
Innellis AI committee rates UnitedHealth Group (UNH) Watch with a composite score of 48/100
, based on 6 analysts with 33% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +11.78 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -8.22 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — eps declining -32.7% yoy despite any revenue growth. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
Insufficient data for bull case.
Bear Case
- P/E of 25.6 is moderate-to-rich — Value
- EPS declining -32.7% YoY despite any revenue growth — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.89 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 23, 2026
Overall Committee Score
48/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 96%
of 192 Healthcare peers
Value Analyst
neutral
48
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− P/E of 25.6 is moderate-to-rich
Growth Analyst
bearish
32
/ 100 · High confidence
Growth story is weak, decelerating, or inconsistent
− EPS declining -32.7% YoY despite any revenue growth
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.89 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 48.2 to 48.2.
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
34.7
Neutral
MACD Histogram
-2.394
Bearish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Hh Hl
Support
$304.58
Resistance
$460.95
Bollinger %B
0.17
Inside Bands
Price vs Moving Averages
EMA 9
$395.12
Below
EMA 21
$403.41
Below
EMA 50
$403.77
Below
EMA 200
$371.16
Above
Fundamental Analysis
Valuation
77
Growth
67
Profitability
31
Financial Health
63
Cash Flow
70
Valuation
P/E Ratio
25.1×
P/B Ratio
3.38×
PEG Ratio
-0.76
Dividend Yield
2.29%
52W High
$461.62
52W Low
$255.97
Quality & Growth
ROE
1281.0%
ROA
389.4%
Gross Margin
2248.6%
Operating Margin
481.6%
Revenue Growth YoY
—
Debt / Equity
0.70
AI Fundamental Assessment
P/E ratio of 25.1 (moderate relative to a 15-40x range); Price-to-book of 3.4x; PEG ratio of -0.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 12.8%; Return on assets of 3.9%; Net margin of 3.1%; Gross margin of 22.5%; Current ratio of 1.24 (tight short-term liquidity); Debt-to-equity of 0.70; Free cash flow per share is positive (26.07); Most recent quarter beat estimates by 28.8%; 2 consecutive earnings beats; EPS growth decelerating (+242.7% -> -11.8% QoQ); Average YoY EPS growth of 56.4%; Analyst estimates rising over recent quarters
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