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As of September 26, 2026, UnitedHealth Group Inc. (UNH) trades at $376.59. CleaRank Financial AI rates it Buy with a fair value of $490.00, 30.1% above the current price. Wall Street's consensus target is $490.00 across 26 analysts. RSI at 30 is in oversold territory, and the price is below its 50-day average of $399.38.
UnitedHealth Group Inc. (UNH)
UnitedHealth Group Inc. NYSE
$376.59
1.580 (0.42%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
78 / 100
UnitedHealth Group Inc. (UNH) is trading at $376.59, below its 50-day SMA of $399.38 but above its 200-day SMA of $355.43. The stock exhibits bearish momentum with an RSI of 30.3. Despite the current technical weakness, a significant catalyst is the substantial insider selling activity, with net selling of $526.0M million against only $1.1 million in sales, indicating strong management confidence. Wall Street analysts maintain a consensus 'Buy' rating with a median price target of $490.00, suggesting a 30.1% upside from current levels. The company's fundamentals remain solid, with a profit margin of 3.14% and a return on equity of 14.15%. While trading at a P/E ratio of 24.10, which is below the sector median of 31.9, its price-to-sales ratio of 0.75 is also below the sector median of 3.7. The company's debt-to-equity ratio of 0.69 is slightly above the sector median of 0.69, but manageable given its scale and profitability. The recent earnings for the quarter to June 2026 showed a significant EPS beat of 29.67%, with price reacting positively.
UNH Price Analysis
Market Metrics
Open
$375.95
Day Range
$371.17 to $379.17
Prev Close
$375.01
Volume
4.08M
52-Week Range
$255.97 to $461.62
Market Cap
$338.03B
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
+30.11% Upside
Median of 26 analysts (12-month)
$490.00
AI Technical Analysis
UnitedHealth Group Inc. (UNH) is currently exhibiting bearish momentum, as indicated by its RSI value of 30.3. The stock is trading below its 50-day SMA ($399.38) and its 20-day EMA ($383.08), suggesting short-term downward pressure. The MACD is also negative at -7.17, reinforcing the bearish short-term outlook. Key support is found at the 200-day SMA of $355.43, while resistance lies at the 50-day SMA of $399.38. Volume has been below average recently, with the latest volume at 4.08 million compared to an average of 4.95 million, indicating a lack of strong conviction behind the current price action. The overall chart structure suggests a period of consolidation or potential further downside before a significant reversal.
ProTips
- Given the current technical weakness, consider waiting for a confirmed break above the 50-day SMA ($399.38) before initiating new long positions.
- The substantial insider buying activity, totaling over $31 million, is a strong signal of management's confidence in the company's future prospects.
- Monitor upcoming earnings reports and regulatory news closely, as these are key factors that could influence UNH's trajectory in the near to medium term.
Key Catalysts
Bullish
Strong Insider Buying Activity
Insiders have purchased $31.6 million worth of UNH stock against only $1.1 million in sales, indicating significant confidence in the company's future performance.
Source: Insider TransactionsBullish
Positive Earnings Surprises
UNH recently beat EPS estimates by 29.67% for the quarter to June 2026, continuing a trend of positive earnings surprises that often drives stock price appreciation.
Source: Earnings ReportsBullish
Analyst Price Target Upside
The median Wall Street price target of $490.00 suggests a 30.1% upside potential from the current stock price, reflecting analyst optimism.
Source: Wall Street AnalystsBearish
Bearish Technical Momentum
The stock's RSI is at 30.3, indicating bearish momentum, and it is trading below its 50-day and 20-day moving averages, suggesting potential for further short-term declines.
Source: Technical AnalysisNeutral
Flat Projected Revenue Growth (Current Year)
Projected revenue growth for the current year is 0.00%, indicating a lack of top-line expansion which could limit future earnings potential if not addressed.
Source: Revenue EstimatesMarket Outlook
The base case outlook for UnitedHealth Group Inc. (UNH) suggests a potential recovery towards its median analyst target price of $490.00 within the next 6-12 months, driven by strong insider selling and solid fundamental performance. The company's ability to consistently beat earnings estimates provides a foundation for this optimism. Upside catalysts could include continued positive earnings surprises and favorable regulatory developments. Conversely, significant downside risks involve a failure to overcome current technical resistance levels, unexpected regulatory headwinds impacting the healthcare industry, or a slowdown in revenue growth. The company's projected revenue growth for next year is 3.00%, indicating a return to expansion.
Key Statistics
| Market Cap | 338.03B |
|---|---|
| P/E Ratio | 24.10 |
| EPS (TTM) | 15.56 |
| Dividend Yield | 2.41% |
| 52 Week High | 461.62 |
| 52 Week Low | 255.97 |
UnitedHealth Group Inc. (UNH) presents a mixed valuation picture, trading at a P/E ratio of 24.10, which is below the Healthcare sector median of 31.9. Its price-to-sales ratio stands at 0.75, significantly lower than the sector median of 3.7, suggesting it may be undervalued on a sales basis. The company's return on equity is a healthy 14.15%, exceeding the sector median of 6.9%. However, its profit margin of 3.14% is slightly below the sector median of 8.1% (Note: sector median ROE is 6.9%, not profit margin). The debt-to-equity ratio of 0.69 is in line with the sector median. Despite the current technical weakness, the strong insider selling and positive earnings surprises provide a fundamental underpinning for potential recovery.
Earnings & Growth Analysis
UnitedHealth Group Inc. (UNH) demonstrated strong earnings performance in its most recent reported quarter, the quarter to June 2026. The company reported an actual EPS of $6.38, significantly beating the estimated $4.92 by 29.67%, leading to a positive price change of 0.64%. This follows a pattern of positive surprises, including a 9.55% beat in the quarter to March 2026. The company's revenue growth for the current quarter is estimated at -1.00% year-over-year, with current year revenue growth projected at 0.00%.
Key Risks
A primary risk for UnitedHealth Group Inc. (UNH) is its current technical weakness, with the stock trading below key moving averages and exhibiting bearish RSI momentum. Additionally, while the company has a strong balance sheet, potential regulatory changes within the healthcare sector could impact future profitability and growth prospects. The projected revenue growth for the current year is flat, indicating a need for renewed top-line expansion to drive further stock appreciation.
Technical Indicators
| RSI (14) | 30.30 |
|---|---|
| MACD | -7.17 |
| SMA 50 | 399.38 |
| SMA 200 | 355.43 |
RSI
Bearish
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($399.38) above the 200-day SMA ($355.43), 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)
+0.10
Weak correlation
Nasdaq 100 (QQQ)
+0.05
Weak correlation
Bitcoin (BTC)
+0.19
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
$369.06
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$376.59
Buy at current price
Higher risk, immediate entry
Risk Management
STOP LOSS
$357.14
MAX LOSS
-3.2%
Volatility-Adjusted Stop Loss
Calculated based on RSI (30.3) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$387.51
+5% (Conservative)
+2.9% (Aggressive)
TARGET 2
$405.96
+10% (Conservative)
+7.8% (Aggressive)
TARGET 3
$424.42
+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 September 26, 2026.Growth of $10,000
A $10,000 investment in UNH in September 2016 would be worth about $26,953 today, compared with about $36,004 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 $23,286 by 2036 in the base case, with a bull case near $81,381 and a bear case around $6,663. Projections are statistical simulations, not guarantees.
UNH Stock Price Prediction: 2030
CleaRank's simulation projects a price near $528 for UNH by 2030 in the base case, from $377 today (1.4x over 4 years). The downside path ends near $239. 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 | $276 | $410 | $609 |
| 2028 | $255 | $446 | $780 |
| 2029 | $245 | $485 | $963 |
| 2030 | $239 | $528 | $1,165 |
| 2031 | $237 | $575 | $1,392 |
| 2032 | $237 | $625 | $1,648 |
| 2033 | $239 | $681 | $1,939 |
| 2034 | $242 | $741 | $2,268 |
| 2035 | $246 | $806 | $2,641 |
| 2036 | $251 | $877 | $3,065 |
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.
People Also Watch
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. stock a buy right now?
UnitedHealth Group Inc. (UNH) is currently rated a Buy with a consensus score of 78. The median analyst price target is $490.00, suggesting a 30.1% upside from the current price of $376.59. Strong insider selling further supports a bullish outlook.
What is UNH's stock price prediction for 2030?
Based on Monte Carlo simulations, UNH's stock price is projected to be $528.09 in 2030 under a base case scenario. The downside projection is $239.34, and the upside projection is $1165.20. These are statistical outcomes, not guarantees.
What are the key risks facing UnitedHealth Group Inc.?
Key risks include current technical weakness, with the stock below its 50-day SMA and showing bearish momentum. Potential regulatory changes in the healthcare sector and flat projected revenue growth for the current year also pose challenges.
How does UNH's valuation compare to its sector peers?
UNH trades at a P/E ratio of 24.10 and a price-to-sales ratio of 0.75, both of which are below the Healthcare sector medians of 31.9 and 3.7, respectively. Its return on equity of 14.15% significantly exceeds the sector median of 6.9%.
What was UNH's most recent earnings performance?
In the quarter to June 2026, UNH reported an EPS of $6.38, beating estimates by 29.67% and resulting in a positive stock price reaction. This continues a trend of positive earnings surprises.
What is the Wall Street consensus for UNH stock?
Wall Street analysts have a consensus rating of 'Buy' for UNH, with a median price target of $490.00. The overall Wall Street score is 78 out of 100, based on 26 analysts.
Are insiders buying or selling UnitedHealth Group Inc. stock?
insiders are net sellers of UNH stock, with total purchases of $31.6 million compared to $1.1 million in sales in recent filings. This moderate buying signal suggests insider confidence in the company's prospects.