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As of October 11, 2026, UnitedHealth Group Inc. (UNH) trades at $379.30. CleaRank Financial AI rates it Buy with a fair value of $490.00, 29.2% above the current price. Wall Street's consensus target is $490.00 across 26 analysts. RSI at 52 is in neutral territory, and the price is below its 50-day average of $389.18.
UnitedHealth Group Inc. (UNH)
UnitedHealth Group Inc. NYSE
$379.30
8.350 (2.25%)
At close: Oct 9, 4:00 PM EDT
AI Analyst Consensus
78 / 100
UnitedHealth Group Inc. (UNH) is currently trading at $379.30, slightly below its 50-day moving average of $389.18 but above its 200-day moving average of $357.53. The company's strong financial health is underscored by a healthy profit margin of 3.14% and a return on equity of 14.15%, which compares favorably to the sector median ROE of 6.9%. Insider activity shows a strong net buying trend, with over $31.6 million in purchases against $1.1 million in sales, indicating significant management confidence. The healthcare sector, represented by the XLV ETF, is experiencing a median revenue growth of 8.1%, while UNH's reported revenue growth stands at 0.4%. However, forward-looking estimates suggest a rebound, with next year's revenue growth projected at 3.00%. The company's P/E ratio of 24.39 is below the sector average of 31.9, suggesting potential undervaluation relative to peers. With a substantial analyst target price of $490, UNH offers a considerable upside potential.
UNH Price Analysis
Market Metrics
Open
$373.94
Day Range
$373.02 to $387.52
Prev Close
$370.95
Volume
7.46M
52-Week Range
$255.97 to $461.62
Market Cap
$340.46B
Peer Benchmarking
Valuation vs Sector (Healthcare)
Performance vs XLV
Sector Position Analysis
Trading at a notable discount to sector peers (-24%), which may indicate undervaluation or specific company headwinds.
UNH Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 5 quarters, UNH beat estimates 3 times. The stock rose 3 times the next day. Price tends to react positively to beats.
UNH Analysis
Company's Health
4/5
12-Month Analyst Target
+29.19% Upside
Median of 26 analysts (12-month)
$490.00
AI Technical Analysis
At $379.30, UnitedHealth Group Inc. (UNH) exhibits neutral momentum with an RSI of 51.59, indicating neither overbought nor oversold conditions. The stock is trading above its 200-day Simple Moving Average (SMA) of $357.53, suggesting a longer-term bullish trend, but is currently below its 50-day SMA of $389.18 and 200-day Exponential Moving Average (EMA) of $377.47, signaling near-term consolidation. Volume has been above average recently, with a 45.6% increase over the daily average, which could indicate growing investor interest. Key support is observed around the $357.53 level (200-day SMA), while resistance lies near the $389.18 mark (50-day SMA). The current price action suggests a period of consolidation before a potential move towards its next resistance or support levels.
ProTips
- Monitor UNH's ability to grow revenue beyond the current 0.4% to ensure it meets or exceeds forward projections, especially given the -2.00% estimate for the next quarter.
- The stock's position below its 50-day SMA suggests a potential for short-term consolidation; consider waiting for a confirmed break above this level for entry.
- With a dividend yield of 2.39%, UNH offers a modest income stream, but investors should focus on capital appreciation given the growth estimates and analyst targets.
Key Catalysts
Bullish
Strong Insider Buying Trend
Insiders have purchased over $31.6 million in UNH stock against only $1.1 million in sales, indicating strong confidence in the company's future prospects.
Source: Insider Trading DataBullish
Consistent Earnings Beats
UNH has a track record of exceeding analyst EPS estimates, including a significant 29.67% surprise in the quarter to June 2026, which supports positive stock performance.
Source: Earnings ReportsBullish
Favorable Valuation Relative to Sector
UNH's P/E ratio of 24.39 and P/S ratio of 0.76 are below the healthcare sector medians, suggesting potential undervaluation and room for price appreciation.
Source: Company FundamentalsBearish
Trading Below 50-Day Moving Average
The current stock price of $379.30 is below the 50-day SMA of $389.18, which could signal short-term weakness or a potential for further downside if the trend persists.
Source: Technical AnalysisNeutral
Modest Current Revenue Growth
While future revenue growth is projected to improve, the current reported growth of 0.4% is modest and warrants monitoring to ensure it aligns with market expectations.
Source: Company FundamentalsMarket Outlook
UnitedHealth Group Inc. (UNH) is expected to see continued growth, with a base case scenario targeting a price of $536.47 by 2030, representing a significant upside from its current trading level. This outlook is supported by strong forward-looking revenue growth estimates and a consistent history of beating earnings expectations. The company's solid balance sheet and favorable valuation relative to its peers further strengthen this positive trajectory. Potential catalysts for upside include continued strong earnings performance and successful integration of new healthcare services. Conversely, risks such as increased regulatory scrutiny within the healthcare industry, intensified competition, or a slowdown in revenue growth could impact the stock's performance. The current trading price below the 50-day SMA warrants monitoring for any shifts in short-term momentum.
Key Statistics
| Market Cap | 340.46B |
|---|---|
| P/E Ratio | 24.39 |
| EPS (TTM) | 15.55 |
| Dividend Yield | 2.39% |
| 52 Week High | 461.62 |
| 52 Week Low | 255.97 |
UnitedHealth Group Inc. (UNH) trades at a Price-to-Earnings (P/E) ratio of 24.39, which is below the healthcare sector median of 31.9, indicating a potential valuation discount compared to its peers. The company's Price-to-Sales (P/S) ratio stands at 0.76, also appearing attractive relative to the sector average of 3.7. Its net profit margin is 3.14%, and operating margin is 7.13%, demonstrating solid profitability. With a return on equity of 14.15%, UNH outperforms the sector median of 6.9%. The debt-to-equity ratio is 0.69, which is in line with the sector average, suggesting a manageable leverage profile. While current revenue growth is modest at 0.4%, forward estimates for next year project growth of 3.00%, and a 5-year average annual growth rate of 12.5% suggests strong long-term expansion potential.
Earnings & Growth Analysis
UnitedHealth Group Inc. (UNH) has demonstrated a consistent pattern of beating analyst EPS estimates in recent quarters. Most notably, the quarter to June 2026 saw an actual EPS of $6.38 against an estimate of $4.92, a significant 29.67% surprise, leading to a 0.64% price increase. The company also reported a 9.55% EPS surprise for the quarter to March 2026. While the quarter to December 2025 reported an exact match to estimates with 0% surprise, the overall trend indicates strong earnings performance.
Key Risks
A primary risk for UnitedHealth Group Inc. (UNH) is its current trading price being below its 50-day moving average, which could indicate short-term weakness or a shift in momentum. Although insider activity is positive, the modest current revenue growth of 0.4% warrants monitoring to ensure future projections materialize. Competition within the healthcare sector remains intense, with numerous players vying for market share, which could pressure margins.
Technical Indicators
| RSI (14) | 51.59 |
|---|---|
| MACD | -4.27 |
| SMA 50 | 389.18 |
| SMA 200 | 357.53 |
RSI
Neutral
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($389.18) above the 200-day SMA ($357.53), price is trading below the 50-day SMA.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.11
Weak correlation
Nasdaq 100 (QQQ)
+0.06
Weak correlation
Bitcoin (BTC)
+0.18
Weak correlation
Gold (XAU)
-0.01
Weak correlation
Check Custom Correlation
How does any other asset move with UNH? One year of daily closes, Pearson correlation.
Try
UNH Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Long entry pick an entry style
Conservative
$371.71
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$379.30
Buy at current price
Higher risk, immediate entry
Risk Management
STOP LOSS
$350.04
MAX LOSS
-5.8%
Volatility-Adjusted Stop Loss
Calculated based on RSI (51.6) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$390.30
+5% (Conservative)
+2.9% (Aggressive)
TARGET 2
$408.89
+10% (Conservative)
+7.8% (Aggressive)
TARGET 3
$427.47
+15% (Conservative)
+12.7% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for UNH is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on October 11, 2026.Growth of $10,000
A $10,000 investment in UNH in October 2016 would be worth about $28,148 today, compared with about $36,479 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in UNH today could grow to about $23,790 by 2036 in the base case, with a bull case near $83,193 and a bear case around $6,803. Projections are statistical simulations, not guarantees.
UNH Stock Price Prediction: 2030
CleaRank's simulation projects a price near $536 for UNH by 2030 in the base case, from $379 today (1.4x over 4 years). The downside path ends near $243. These are outcomes of a Monte Carlo simulation run on UNH's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $278 | $414 | $615 |
| 2028 | $258 | $451 | $790 |
| 2029 | $248 | $492 | $977 |
| 2030 | $243 | $536 | $1,184 |
| 2031 | $241 | $585 | $1,418 |
| 2032 | $242 | $638 | $1,683 |
| 2033 | $244 | $696 | $1,983 |
| 2034 | $248 | $759 | $2,325 |
| 2035 | $252 | $827 | $2,713 |
| 2036 | $258 | $902 | $3,155 |
Method: 10,000 simulated price paths using UNH's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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UNH Insider Trading Analysis
Bought
$31.6M
5 Transactions
Sold
$1.1M
5 Transactions
Insiders
19
Active Traders
Avg Transaction
$3.3M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Jul 17, 2020 | HEMSLEY STEPHEN J
Director
|
Sell | 229.0K | $70.4M |
| Oct 17, 2023 | HEMSLEY STEPHEN J
Director
|
Sell | 121.5K | $65.7M |
| Oct 26, 2021 | HEMSLEY STEPHEN J
Director
|
Sell | 125.0K | $56.4M |
| Jul 26, 2022 | HEMSLEY STEPHEN J
Director
|
Sell | 99.3K | $53.1M |
| Dec 5, 2023 | HEMSLEY STEPHEN J
Director
|
Sell | 66.1K | $36.4M |
| Oct 23, 2020 | HEMSLEY STEPHEN J
Director
|
Sell | 98.6K | $32.5M |
| Aug 23, 2021 | HEMSLEY STEPHEN J
Director
|
Sell | 70.0K | $29.8M |
| Jul 16, 2021 | HEMSLEY STEPHEN J
Director
|
Sell | 60.0K | $25.2M |
| Feb 16, 2024 | THOMPSON BRIAN R
Officer
|
Sell | 28.9K | $15.1M |
| Aug 18, 2022 | MCMAHON DIRK C.
President
|
Sell | 14.7K | $8.0M |
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Frequently Asked Questions
Is UnitedHealth Group Inc. (UNH) stock a buy right now?
UnitedHealth Group Inc. (UNH) is currently rated as a 'Buy' with a consensus score of 78 out of 100. The median analyst target price is $490, suggesting a 29.2% upside from the current price of $379.30. Positive insider buying and consistent earnings beats further support a bullish outlook.
What is UNH's stock price prediction for 2030?
Based on Monte Carlo simulations, UnitedHealth Group Inc. (UNH) has a projected base case price of $536.47 for 2030, with a downside projection of $243.04 and an upside projection of $1184.13. These figures represent statistical outcomes and not guaranteed price targets.
How does UNH's valuation compare to its sector peers?
UnitedHealth Group Inc. (UNH) trades at a P/E ratio of 24.39 and a P/S ratio of 0.76. These figures are below the healthcare sector medians of 31.9 for P/E and 3.7 for P/S, suggesting UNH may be undervalued relative to its industry.
What is the recent earnings performance of UnitedHealth Group Inc. (UNH)?
UNH has recently shown strong earnings performance, notably beating EPS estimates by 29.67% for the quarter ending June 2026. This positive surprise contributed to a 0.64% stock price increase and follows a pattern of consistent earnings beats.
What are the key technical indicators for UNH stock?
UNH's technical indicators show neutral momentum with an RSI at 51.6. The stock is trading above its 200-day SMA but below its 50-day SMA, indicating a consolidation phase. Recent volume has been above average, suggesting increased investor interest.
What is the insider sentiment for UnitedHealth Group Inc. (UNH)?
Insider sentiment for UNH is strongly positive, with insiders being net buyers. Over $31.6 million in stock has been purchased compared to $1.1 million sold, reflecting a 'Moderate Buy Signal' and indicating significant confidence from management.
What is the projected revenue growth for UNH in the coming years?
While UNH's current revenue growth is 0.4%, forward-looking estimates are more optimistic. Next quarter's revenue growth is projected at -2.00%, but current year growth is estimated at 0.00%, and next year's growth is projected at 3.00%. The 5-year average annual growth rate is estimated at a strong 12.5%.