UNH · NYSE · STOCK
UnitedHealth Group (UNH) Stock Analysis
$379.31
52W $255.97 – $461.62
55/100
$344.46B
24.4
0.61
Is UNH Bullish or Bearish?
Mixed.
Innellis AI committee rates UnitedHealth Group (UNH) Watch with a composite score of 55/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.17 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 — -14.83 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. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.20 across 107 articles, 14d) — News
Bear Case
- 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
- 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 October 10, 2026
Overall Committee Score
55/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 66%
of 192 Healthcare peers
Value Analyst
neutral
58
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
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
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
neutral
52
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− 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
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 107 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 54.8 to 54.8.
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
56.4
Neutral
MACD Histogram
1.346
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Mixed
Support
$304.58
Resistance
$379.74
Bollinger %B
0.76
Inside Bands
Price vs Moving Averages
EMA 9
$374.95
Above
EMA 21
$377.78
Above
EMA 50
$385.96
Below
EMA 200
$374.36
Above
Fundamental Analysis
Valuation
77
Growth
67
Profitability
31
Financial Health
44
Cash Flow
70
Valuation
P/E Ratio
24.4×
P/B Ratio
3.49×
PEG Ratio
-0.74
Dividend Yield
2.39%
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
0.74
AI Fundamental Assessment
P/E ratio of 24.4 (inexpensive relative to a 15-40x range); Price-to-book of 3.5x; PEG ratio of -0.7 (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 0.78 (tight short-term liquidity); Debt-to-equity of 0.74; 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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