Stock Analysis
UnitedHealth Group Incorporated (UNH) Stock Analysis
UnitedHealth Group Incorporated (UNH) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
UnitedHealth Group Incorporated (UNH) currently has an AIQ Score of 63/100, indicating a neutral setup. Momentum is the strongest factor at 95/100. Quality is the weakest current factor at 46/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
UNH at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $417.00 |
| AIQ Score | 63/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Strong Buy |
| Market Cap | $360.32B |
| P/E Ratio (TTM) | 22.91 |
| Forward P/E | — |
| EPS (quarter ended 2026-09-30) | $4.56 |
| Revenue (quarter ended 2026-09-30) | $112.69B |
| Dividend Yield (TTM) | 2.26% |
| Beta | 0.62 |
| Volume | 3.99M |
| 52-week range | $255.97-$461.62 |
| RSI 14 | 80.42 |
| 50-Day SMA | $387.80 |
| 200-Day SMA | $360.27 |
| Analyst Price Target | $470.69 |
| Next Earnings | Jan 20, 2027 |
UNHUnitedHealth Group Incorporated
Healthcare / Medical - Healthcare Plans
Relative Leader / Watch
Strong Relative Position
Latest quote
- Momentum95
- Value59
- Quality46
- Risk resilience51
- Sentiment—
UNH Stock Analysis Summary
UnitedHealth Group Incorporated (UNH) currently has an AIQ Score of 63/100, indicating a neutral setup. Momentum is the strongest factor at 95/100. Quality is the weakest current factor at 46/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, UNH has AIQ Score of 63/100 with Momentum base of 95/100 and fading Quality at 46/100. Wait for component alignment before adding exposure.
Momentum (95/100) leads while Quality (46/100) lags. This cross-factor spread creates entry timing uncertainty.
Healthcare · -0.54% stock move · UNH classified in Medical - Healthcare Plans.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is UNH Bullish or Bearish Right Now?
UNH currently has a neutral overall setup. Momentum is the strongest factor at 95/100, while Quality is weakest at 46/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Momentum is constructive at 95/100.
- - Price is +7.53% above its 50-day SMA.
- - Analyst target implies +12.88% upside from the latest quote.
- - Technical consensus has more buy votes than sell votes (37 vs 7).
- - No strong bearish evidence is available in the current snapshot.
Current Consensus
UNH's Technical Analysis Consensus is currently Strong Buy, with 37 buy, 1 neutral, and 7 sell votes. UNH's 14-day RSI is 80.42, which places the stock in an overbought momentum range. UNH's beta is 0.62, indicating lower market sensitivity than the broad market.
What Changed in UNH?
The largest recent change in UNH is Momentum moving up by 11.0 points over the available 7-day comparison window. Momentum remains the strongest visible factor.
What Would Change the UNH Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
UNH Decision Framework
Public evidence layers, setup checks, and risk context for UnitedHealth Group Incorporated.
UnitedHealth Group Incorporated (UNH) Stock Analysis
UnitedHealth Group Incorporated has an AIQ Score of 63/100 in a Neutral regime. Momentum is strongest at 95/100. Beta is 0.62, below market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | UNH is in a Neutral AIQ regime with score 63/100. |
| Signal Conflict | The primary conflict is that momentum leads at 95/100 while quality lags at 46/100. |
| Factor Evidence | Momentum 95/100 · Value 59/100 · Quality 46/100 · Risk 51/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Momentum is the strongest factor at 95/100.
Momentum is 95/100 and RSI (14) is 80.4.
UNH is in a Neutral regime at 63/100.
Risk factor is 51/100 with beta 0.62 and annual volatility 34.82%.
Current conflict: momentum leads at 95/100 while quality lags at 46/100.
UNH Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
UNH Fundamentals
UNH valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
UNH Technical Analysis
UNH technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
UNH Stock Catalysts
Track UNH earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
UNH Dividend Analysis
UNH dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
UNH Financial Data
UNH revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
UNH Risk Analysis
UNH volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
UNH Stock News
UNH stock news, market tone, recent headlines, and catalyst context.
UNH vs Managed Care Peers
Current peer cohort: UNH · XLV · LLY · JNJ · ABBV. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| UNH Current stock | 63/100 | 59/100 | 95/100 | 51/100 | 0.46 | 34.82% | Current |
| XLV Health Care Select Sector SPDR | 60/100 | 31/100 | 82/100 | 62/100 | 1.15 | 16.22% | UNH vs XLV |
| LLY Eli Lilly | 62/100 | 26/100 | 95/100 | 50/100 | 1.36 | 34.89% | UNH vs LLY |
| JNJ Johnson & Johnson | 52/100 | 39/100 | 48/100 | 48/100 | 1.31 | 20.43% | UNH vs JNJ |
| ABBV AbbVie | 56/100 | 36/100 | 82/100 | 44/100 | 0.77 | 25.89% | UNH vs ABBV |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 21, 2026.
Popular UNH Comparisons
How UNH scores against the names it is most often compared with.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts4 recent quarterly periods are available for review.
Checked Oct 21, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Sep 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching UNH
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for UNH
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
UNH Stock FAQ
What is UNH stock price today?
UnitedHealth Group Incorporated's current stock price is $417.00. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is UNH bullish or bearish right now?
UNH's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is UNH's market cap?
UNH's market cap is $360.32B based on the latest completed market-close snapshot from Oct 21, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is UNH's current P/E ratio?
UNH's current P/E ratio is 22.91 based on the latest completed market-close snapshot from Oct 21, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is UNH's RSI?
UNH's 14-day RSI is 80.42 based on the latest completed market-close snapshot from Oct 21, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is UNH above its 50-day and 200-day moving averages?
UNH is 7.53% from its 50-day SMA and 15.75% from its 200-day SMA based on the latest completed market-close snapshot from Oct 21, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is UNH's next earnings date?
UNH's next earnings date is currently listed as Jan 20, 2027. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does UNH pay a dividend?
UNH's dividend yield is 2.26% based on the latest completed market-close snapshot from Oct 21, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.