Unitedhealth Group Incorporated Stock Buy Hold or Sell Recommendation
| UNH Stock | USD 483.70 5.33 1.09% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding UnitedHealth Group Incorporated is 'Cautious Hold'. Macroaxis provides UnitedHealth Group buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding UNH positions. The advice algorithm takes into account all of UnitedHealth Group's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting UnitedHealth Group's buy or sell advice are summarized below:
Real Value 520.53 | Target Price 558.19 | Hype Value 483.41 | Market Value 483.7 | Naive Value 507.64 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell UnitedHealth Group Incorporated given historical horizon and risk tolerance towards UnitedHealth Group. When Macroaxis issues a 'buy' or 'sell' recommendation for UnitedHealth Group Incorporated, the advice is generated through an automated system that utilizes algorithms and statistical models.
UnitedHealth |
Execute UnitedHealth Group Buy or Sell Advice
The UnitedHealth recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on UnitedHealth Group Incorporated. Macroaxis does not own or have any residual interests in UnitedHealth Group Incorporated or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute UnitedHealth Group's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Cautious Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
UnitedHealth Group Trading Alerts and Improvement Suggestions
| UnitedHealth Group generated a negative expected return over the last 90 days | |
| The company has 67.44 B in debt with debt to equity (D/E) ratio of 0.59, which is OK given its current industry classification. UnitedHealth Group has a current ratio of 0.76, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Debt can assist UnitedHealth Group until it has trouble settling it off, either with new capital or with free cash flow. So, UnitedHealth Group's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like UnitedHealth Group sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for UnitedHealth to invest in growth at high rates of return. When we think about UnitedHealth Group's use of debt, we should always consider it together with cash and equity. | |
| Over 90.0% of UnitedHealth Group outstanding shares are owned by institutional investors | |
| On 19th of March 2024 UnitedHealth Group paid $ 1.88 per share dividend to its current shareholders | |
| Latest headline from finance.yahoo.com: UnitedHealth hackers took advantage of Citrix vulnerabilty to break in, CEO says |
UnitedHealth Group Returns Distribution Density
The distribution of UnitedHealth Group's historical returns is an attempt to chart the uncertainty of UnitedHealth Group's future price movements. The chart of the probability distribution of UnitedHealth Group daily returns describes the distribution of returns around its average expected value. We use UnitedHealth Group Incorporated price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of UnitedHealth Group returns is essential to provide solid investment advice for UnitedHealth Group.
| Mean Return | 0 | Value At Risk | -2.1 | Potential Upside | 2.15 | Standard Deviation | 1.56 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of UnitedHealth Group historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
UnitedHealth Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as UnitedHealth Group is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading UnitedHealth Group Incorporated backward and forwards among themselves. UnitedHealth Group's institutional investor refers to the entity that pools money to purchase UnitedHealth Group's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Alliancebernstein L.p. | 2023-12-31 | 12 M | Capital Research & Mgmt Co - Division 3 | 2023-12-31 | 11.9 M | Goldman Sachs Group Inc | 2023-12-31 | 11.2 M | Bank Of America Corp | 2023-12-31 | 11.1 M | Norges Bank | 2023-12-31 | 11 M | Royal Bank Of Canada | 2023-12-31 | 10 M | Northern Trust Corp | 2023-12-31 | 9.6 M | Legal & General Group Plc | 2023-12-31 | 8.5 M | Bank Of New York Mellon Corp | 2023-12-31 | 8.3 M | Vanguard Group Inc | 2023-12-31 | 83.9 M | Blackrock Inc | 2023-12-31 | 72.4 M |
UnitedHealth Group Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 119M | 5.9B | 4.5B | 2.0B | 2.1B | 2.2B | |
| Free Cash Flow | 16.4B | 20.1B | 19.9B | 23.4B | 25.7B | 27.0B | |
| Depreciation | 2.7B | 2.9B | 3.1B | 3.4B | 4.0B | 4.2B | |
| Other Non Cash Items | 294M | (52M) | (944M) | 673M | 258M | 245.1M | |
| Capital Expenditures | 2.1B | 2.1B | 2.5B | 2.8B | 3.4B | 3.6B | |
| Net Income | 14.2B | 15.8B | 17.7B | 20.6B | 22.4B | 23.5B | |
| End Period Cash Flow | 11.0B | 16.9B | 21.4B | 23.4B | 25.4B | 26.7B | |
| Dividends Paid | 3.9B | 4.6B | 5.3B | 6.0B | 6.8B | 7.1B | |
| Change To Inventory | (1.6B) | (2.2B) | (1.0B) | 1.0B | 934.2M | 599.3M | |
| Investments | (2.5B) | (2.8B) | (1.8B) | (28.5B) | (15.6B) | (14.8B) | |
| Change Receivables | 162M | (688M) | 1B | (2.5B) | (2.3B) | (2.2B) | |
| Net Borrowings | 4.0B | 2.6B | 2.5B | 12.5B | 14.4B | 15.1B | |
| Change To Netincome | 821M | 619M | 433M | (79M) | (90.9M) | (86.3M) |
UnitedHealth Group Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to UnitedHealth Group or Health Care Providers & Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that UnitedHealth Group's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a UnitedHealth stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.02 | |
β | Beta against NYSE Composite | 0.28 | |
σ | Overall volatility | 1.58 | |
Ir | Information ratio | -0.04 |
UnitedHealth Group Volatility Alert
UnitedHealth Group Incorporated has relatively low volatility with skewness of -0.48 and kurtosis of 4.95. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure UnitedHealth Group's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact UnitedHealth Group's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.UnitedHealth Group Implied Volatility
UnitedHealth Group's implied volatility exposes the market's sentiment of UnitedHealth Group Incorporated stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if UnitedHealth Group's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that UnitedHealth Group stock will not fluctuate a lot when UnitedHealth Group's options are near their expiration.
UnitedHealth Group Fundamentals Vs Peers
Comparing UnitedHealth Group's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze UnitedHealth Group's direct or indirect competition across all of the common fundamentals between UnitedHealth Group and the related equities. This way, we can detect undervalued stocks with similar characteristics as UnitedHealth Group or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of UnitedHealth Group's fundamental indicators could also be used in its relative valuation, which is a method of valuing UnitedHealth Group by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare UnitedHealth Group to competition |
| Fundamentals | UnitedHealth Group | Peer Average |
| Return On Equity | 0.17 | -0.31 |
| Return On Asset | 0.0709 | -0.14 |
| Profit Margin | 0.04 % | (1.27) % |
| Operating Margin | 0.08 % | (5.51) % |
| Current Valuation | 496.36 B | 16.62 B |
| Shares Outstanding | 920.08 M | 571.82 M |
| Shares Owned By Insiders | 0.22 % | 10.09 % |
| Shares Owned By Institutions | 90.24 % | 39.21 % |
| Number Of Shares Shorted | 7.89 M | 4.71 M |
| Price To Earning | 26.34 X | 28.72 X |
| Price To Book | 4.56 X | 9.51 X |
| Price To Sales | 1.09 X | 11.42 X |
| Revenue | 371.62 B | 9.43 B |
| Gross Profit | 79.62 B | 27.38 B |
| EBITDA | 36.33 B | 3.9 B |
| Net Income | 22.38 B | 570.98 M |
| Cash And Equivalents | 27.91 B | 2.7 B |
| Cash Per Share | 45.51 X | 5.01 X |
| Total Debt | 67.44 B | 5.32 B |
| Debt To Equity | 0.59 % | 48.70 % |
| Current Ratio | 0.78 X | 2.16 X |
| Book Value Per Share | 100.18 X | 1.93 K |
| Cash Flow From Operations | 29.07 B | 971.22 M |
| Short Ratio | 1.77 X | 4.00 X |
| Earnings Per Share | 16.38 X | 3.12 X |
| Price To Earnings To Growth | 1.24 X | 4.89 X |
| Target Price | 566.61 | |
| Number Of Employees | 440 K | 18.84 K |
| Beta | 0.56 | -0.15 |
| Market Capitalization | 449.95 B | 19.03 B |
| Total Asset | 278.42 B | 29.47 B |
| Retained Earnings | 95.77 B | 9.33 B |
| Working Capital | (20.62 B) | 1.48 B |
Note: Payment of 372 shares by Andrew Witty of UnitedHealth Group subject to Rule 16b-3 [view details]
UnitedHealth Group Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as UnitedHealth . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 48961.12 | |||
| Daily Balance Of Power | (0.75) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 486.15 | |||
| Day Typical Price | 485.33 | |||
| Price Action Indicator | (5.11) | |||
| Period Momentum Indicator | (5.33) | |||
| Relative Strength Index | 53.68 |
About UnitedHealth Group Buy or Sell Advice
When is the right time to buy or sell UnitedHealth Group Incorporated? Buying financial instruments such as UnitedHealth Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Total Current Liabilities | 78.3B | 89.2B | 99.1B | 104.0B | Total Assets | 212.2B | 245.7B | 278.4B | 292.3B |
Use Investing Ideas to Build Portfolios
In addition to having UnitedHealth Group in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Funds or Etfs that invest in both long and short positions of different entities to enhance returns from broad market movements over time. The Market Neutral Funds theme has 42 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Market Neutral Funds Theme or any other thematic opportunities.
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Check out UnitedHealth Group Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the AI Portfolio Architect module to use AI to generate optimal portfolios and find profitable investment opportunities.
Complementary Tools for UnitedHealth Stock analysis
When running UnitedHealth Group's price analysis, check to measure UnitedHealth Group's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy UnitedHealth Group is operating at the current time. Most of UnitedHealth Group's value examination focuses on studying past and present price action to predict the probability of UnitedHealth Group's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move UnitedHealth Group's price. Additionally, you may evaluate how the addition of UnitedHealth Group to your portfolios can decrease your overall portfolio volatility.
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Is UnitedHealth Group's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UnitedHealth Group. If investors know UnitedHealth will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UnitedHealth Group listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.16 | Dividend Share 7.52 | Earnings Share 16.38 | Revenue Per Share 411.257 | Quarterly Revenue Growth 0.086 |
The market value of UnitedHealth Group is measured differently than its book value, which is the value of UnitedHealth that is recorded on the company's balance sheet. Investors also form their own opinion of UnitedHealth Group's value that differs from its market value or its book value, called intrinsic value, which is UnitedHealth Group's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UnitedHealth Group's market value can be influenced by many factors that don't directly affect UnitedHealth Group's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between UnitedHealth Group's value and its price as these two are different measures arrived at by different means. Investors typically determine if UnitedHealth Group is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UnitedHealth Group's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.