UnitedHealth Group Incorporated logo UNH - UnitedHealth Group Incorporated

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 43
HOLD 7
SELL 2
STRONG
SELL
0
| PRICE TARGET: $473.89 DETAILS
HIGH: $529.00
LOW: $373.00
MEDIAN: $491.00
CONSENSUS: $473.89
UPSIDE: 21.48%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Stable Earnings Power

AlphaQuality — archetype-weighted quantitative grade

B 69.7 / 100 composite

Composite Grade

Composite of six pillars weighted for stable earnings power businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

Profitability

Weight: 20%
B- 63.2
  • 5yr Avg ROIC 15.2% 80/100
  • Operating Margin Trend -0.89 pp/yr 23/100
Contributes 12.6 pts toward composite.

Capital Efficiency

Weight: 15%
A 88.8
  • 5yr Avg ROE 20.7% 93/100
  • 5yr Share-Count CAGR -1.1% 81/100
Contributes 13.3 pts toward composite.

Growth Quality

Weight: 15%
B- 62.3
  • 5yr Revenue CAGR 11.7% 84/100
  • 5yr EPS CAGR -3.8% 12/100
  • Revenue-Growth Years (5) 5/5 100/100
Contributes 9.3 pts toward composite.

Cash Generation

Weight: 15%
B 72.8
  • 5yr FCF Margin 6.0% 54/100
  • 5yr FCF/NI Conversion 1.25x 96/100
Contributes 10.9 pts toward composite.

Balance Sheet

Weight: 20%
B- 68.4
  • Net Debt / EBITDA 2.18x 66/100
  • Interest Coverage (EBIT/Int) 4.67x 62/100
  • Altman Z-Score 3.01 80/100
Contributes 13.7 pts toward composite.

Stability

Weight: 15%
B- 65.9
  • EPS Volatility (σ/μ) 0.38 46/100
  • Negative-Revenue Years (5) 0/5 100/100
  • Piotroski F-Score 6 67/100
Contributes 9.9 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Dumping

6 of 6 gurus held; 1 added; 5 trimmed; 3 full exits.

Holders
6
Avg Δ position
-35.6%
New buys
0
Full exits
3
As of Q2 2026
How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

  • Profitability (20%) — 5yr Avg ROIC, Operating Margin Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (15%) — 5yr Revenue CAGR, 5yr EPS CAGR, Revenue-Growth Years (5)
  • Cash Generation (15%) — 5yr FCF Margin, 5yr FCF/NI Conversion
  • Balance Sheet (20%) — Net Debt / EBITDA, Interest Coverage (EBIT/Int), Altman Z-Score
  • Stability (15%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.