UnitedHealth Group Incorporated (UNH) Stock Analysis
Healthcare · Healthcare Plans
Sell if holding. Analyst target reached at $389.57 — A.R:R is negative (-1.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (3.8% away).
UnitedHealth Group operates two segments: UnitedHealthcare (health benefits for ~47M members across employer, Medicare, and Medicaid programs) and Optum (care delivery for 95M consumers, $31.1B Optum Insight backlog, Optum Rx managing $188B pharmaceutical spend). Revenue is ~80%... Read more
Sell if holding. Analyst target reached at $389.57 — A.R:R is negative (-1.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (3.8% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 4.4/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 70d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.
Recent Developments — UnitedHealth Group Incorporated
Latest news
- Mizuho Maintains Outperform on UnitedHealth Group, Raises Price Target to $440 — benzinga May 20, 2026 positive
- Following Buffett: Greg Abel Cuts Berkshire Holdings Dating Back To 2011 — But The Big Names Stay Put — benzinga May 18, 2026 neutral
- Why Is UnitedHealth Stock Trading Lower On Monday? — benzinga May 18, 2026 negative
- Stock Market Today: Dow, S&P 500, Nasdaq Futures Drop After UAE Nuclear Plant Strike— Regeneron Pharma, NextNRG, Service — benzinga May 18, 2026 neutral
- Stock Market Today: Doww, S&P 500, Nasdaq Futures Drop After UAE Nuclear Plant Strike— Regeneron Pharma, NextNRG, Servic — benzinga May 18, 2026 negative
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMCustomerCMS44%10-K Item 1: 'Premium revenues from CMS represented 44% of UnitedHealth Group’s total consolidated revenues for the year ended December 31, 2025'
Material Events(8-K, last 90d)
- 2026-03-02Item 5.02LOWOn Feb 24, 2026, Dennis Stankiewicz was appointed Chief Accounting Officer of UnitedHealth Group, effective March 2, 2026. He continues as Corporate Controller, a role held since April 2023. Base salary set at $550,000.SEC filing →
- 2026-02-25Item 5.02LOWOn Feb 23, 2026, the Compensation Committee amended Stephen Hemsley's stock option (granted May 14, 2025) to add a two-year holding requirement for net shares acquired upon exercise. All other terms unchanged.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
3 floor-breakers
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $389.57 — A.R:R is negative (-1.0) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (3.8% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $371.70. Score 4.4/10, moderate confidence.
Take-profit target: $396.07 (+1.8% upside). Prior stop was $371.70. Stop-loss: $371.70.
Analyst target reached - limited upside remaining; Near 52-week high (3.8% away); V7 low-quality RISK_OFF penalty: -0.5 (Q=4.1).
UnitedHealth Group Incorporated trades at a P/E of 29.4 (forward 18.8). TrendMatrix value score: 5.2/10. Verdict: Sell.
34 analysts cover UNH with a consensus score of 3.9/5. Average price target: $389.
What does UnitedHealth Group Incorporated do?UnitedHealth Group operates two segments: UnitedHealthcare (health benefits for ~47M members across employer, Medicare,...
UnitedHealth Group operates two segments: UnitedHealthcare (health benefits for ~47M members across employer, Medicare, and Medicaid programs) and Optum (care delivery for 95M consumers, $31.1B Optum Insight backlog, Optum Rx managing $188B pharmaceutical spend). Revenue is ~80% risk-based premiums; CMS premiums represented 44% of consolidated revenues in 2025.