UnitedHealth Group

UNH • NYSE • Stock Fundamentals

UnitedHealth Group is a leading diversified healthcare company that operates through two primary platforms: UnitedHealthcare, which provides health benefits and insurance coverage, and Optum, which delivers information and technology-enabled health services. The company leverages data analytics and clinical expertise to improve healthcare access, affordability, and outcomes for individuals, employers, and government entities.

Market Cap$347.35B

Revenue TTM$449.71B

Net Income TTM$12.0B

P/E Ratio28.84

Net Margin2.68%

EPS TTM$13.25

Free Cash Flow TTM$19.7B

Employees440.0K

CEOStephen J. Hemsley

CountryUnited States of America

Healthcare

Medical - Healthcare Plans

SegmentsHealthcare Plans, Healthcare Services, Pharmacy Benefit Management, Health Information Technology

Business ModelsInsurance Premiums, Value-based Care, Fee-for-service, Administrative Services Only (ASO), SaaS

Most Recent EarningsApr 21, 2026 · 1 month 4 days agoQ1 2026

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Next EarningsAug 4, 2026 · in 2 monthsBefore Market Open · Q2 2026

Income Statement Balance Sheet Cash Flow Segments

Financials

Based on Q1 2026 filing

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Gross Margin88.64%

Op. Margin4.19%

ROE11.77%

D/E75.0%

Current Ratio0.798

Total Debt$77.9B

Cash$28.0B

CapEx TTM$3.5B

Business Segments

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UnitedHealthcare

primary

Provides a full range of health benefits and insurance products designed to simplify the healthcare experience. It serves a diverse base including individuals, employers, and government-sponsored beneficiaries through Medicare and Medicaid programs.

Products

Medicare Advantage, Medicare Part D, Medicare Supplement, Dual Special Needs Plans (DSNPs), HouseCalls, Individual and Family Plans

Customers

Seniors, Large National Employers, Public Sector Employers, Medicaid Beneficiaries, Small Businesses

Optum Health

major

Delivers patient-centered care through a variety of settings including clinical sites, in-home, and virtual platforms. It focuses on value-based care models and manages physical, mental, and financial well-being for a large consumer base.

Products

Optum Bank, Optum Financial, Telehealth, Remote Patient Monitoring, Post-acute care planning

Customers

Patients, Health Payer Partners, Care Delivery Systems, Public-sector entities

Optum Rx

major

Offers a full spectrum of pharmacy care services including retail pharmacy networks, home delivery, and specialty pharmacy services. It manages significant pharmaceutical spend through clinical programs and integrated medical-pharmacy care.

Products

Home Delivery Pharmacy, Specialty Pharmacy, Infusion Services, Gene Therapy Support Services

Customers

Health Benefits Providers, Unions and Trusts, Purchasing Coalitions, National Employer Plans

Optum Insight

moderate

Provides data, analytics, research, and technology-enabled services to the broader healthcare industry. It helps hospital systems, health plans, and life sciences companies improve administrative efficiency and clinical performance.

Products

Revenue Cycle Management, Population Health Management, Payment Integrity Portfolio, Managed Services

Customers

Hospital Systems, Physicians, Life Sciences Companies, State Governments

Segment Financials

UnitedHealthcare — Premiums

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UnitedHealthcare — Total Assets

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UnitedHealthcare — Loss on sale of subsidiary and subsidiaries held for sale

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Optum Health — Premiums

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Optum Health — Total Assets

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Optum Rx — Total Assets

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Optum Rx — Gain On Portfolio Actions

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Optum Insight — Total Assets

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Optum Insight — Gain On Portfolio Actions

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Business Overview

Competitive Position

A dominant market leader in both health insurance and health services, utilizing a vertically integrated model to capture value across the entire healthcare delivery chain.

Geographies

United States, International

Customer Segments

Enterprise, Government, Consumer, Healthcare Providers

Upstream Dependencies

Pharmaceutical Manufacturers, Medical Device Suppliers, Technology Infrastructure Providers, Independent Physicians and Hospitals

Downstream Customers

Individual Consumers, Corporate Employers, Federal Government (CMS), State Medicaid Agencies

Competitors & Partners

Competitors

CVS Health

CVS

Competitor in pharmacy services and health insurance

Elevance Health

ELV

Major health benefits and insurance competitor

Humana

HUM

Competitor in Medicare Advantage and healthcare services

Cigna

Competitor in health benefits and pharmacy management

Centene

CNC

Major diversified managed care competitor.

IQVIA

IQV

Competitor through its Optum Insight segment

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Partners

Centers for Medicare & Medicaid Services

Primary government regulator and payer for Medicare Advantage and Part D programs

AARP

Strategic relationship for Medicare-related products

Subsidiaries

Optum Bank

Financial services and health savings account provider

Optum Rx

Pharmacy care services division

Optum Health

Care delivery and management division

Optum Insight

Data and technology services division