UnitedHealth Group Incorporated (UNH) Stock Analysis
Recovery setup
Healthcare · Healthcare Plans
Sell if holding. Analyst target reached at $370.81 — A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: premium revenues from risk-based products.
UnitedHealth Group operates two complementary businesses: Optum (health services via Optum Health, Optum Insight, Optum Rx) and UnitedHealthcare (health benefits for employers, Medicare/Medicaid). Premium revenues from risk-based products constitute nearly 80% of total... Read more
Sell if holding. Analyst target reached at $370.81 — A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: premium revenues from risk-based products. Chart setup: Death cross but MACD improving, RSI 98. Score 4.6/10, moderate confidence.
Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 89d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHProductpremium revenues from risk-based products10-K Item 1A: 'Premium revenues from risk-based products constitute nearly 80% of our total consolidated revenues.'
Material Events(8-K, last 90d)
- 2026-03-02Item 5.02LOWDennis Stankiewicz appointed Chief Accounting Officer effective March 2, 2026, while continuing as Corporate Controller. Joined company in 2016; prior Deloitte partner. Routine officer appointment.SEC filing →
- 2026-02-25Item 5.02LOWCompensation Committee amended stock option granted to Executive Chairman Stephen Hemsley on May 14, 2025, adding a two-year share holding requirement post-vesting through May 14, 2030. Routine compensatory arrangement change.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
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $370.81 — A.R:R is negative (-0.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: premium revenues from risk-based products. Chart setup: Death cross but MACD improving, RSI 98. Prior stop was $351.00. Score 4.6/10, moderate confidence.
Take-profit target: $364.51 (-1.8% upside). Prior stop was $351.00. Stop-loss: $351.00.
Concentration risk — Product: premium revenues from risk-based products; Analyst target reached - limited upside remaining; Weak overall score: 4.6/10.
UnitedHealth Group Incorporated trades at a P/E of 28.0 (forward 17.9). TrendMatrix value score: 5.5/10. Verdict: Sell.
34 analysts cover UNH with a consensus score of 3.8/5. Average price target: $387.
What does UnitedHealth Group Incorporated do?UnitedHealth Group operates two complementary businesses: Optum (health services via Optum Health, Optum Insight, Optum...
UnitedHealth Group operates two complementary businesses: Optum (health services via Optum Health, Optum Insight, Optum Rx) and UnitedHealthcare (health benefits for employers, Medicare/Medicaid). Premium revenues from risk-based products constitute nearly 80% of total consolidated revenues.