CluenexUnitedHealth Group Incorporated UNH
UnitedHealth Group Incorporated scores average on business quality (5.2 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What UnitedHealth Group Incorporated does
UnitedHealth Group provides healthcare benefits and services through two primary segments: UnitedHealthcare insurance plans and Optum health services. Enterprises and individuals pay premiums and fees for coverage and care delivery.
- What it does best
UnitedHealth dominates through sheer scale in healthcare delivery and insurance, generating $450.1B in revenue. Its operating margin of 4.8% surpasses peers like ELV at 3.6% and HUM at 2.4%, proving a durable cost advantage that smaller insurers struggle to match.
- The main risk
Medical cost inflation and regulatory scrutiny threaten operating margins, which sit at a modest 4.8% sector-wide. If claims outpace premium adjustments, profitability compresses further across its $450.1B revenue base.
Quality, check by check
Scored against its own industry, from company filings.
Operating margin of 4.8% and FCF margin of 5.2% reflect tight margins on $450.1B in revenue. Profitability is compressing as costs rise, meaning scale alone does not automatically expand margins.
Scale and integrated care delivery build an enterprise-level moat, locking in millions of members across health plans and Optum services. Operating margin sits in the 18th percentile of its sector, showing that size does not automatically yield pricing power.
Revenue growth drives forward at 11.8%, supported by top-quartile sector performance ranking at the 72nd percentile. This rate marks a slight acceleration over its multi-year historical trend.
Debt-to-equity sits at 0.83 with interest coverage at 5.6x, leaving limited room for error. Free cash flow reached $23.4B recently, but rising net debt of $54.0B points to a softening financial foundation.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
1 sold $661K outside pre-planned sales.
Our sealed record on UNH
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
UnitedHealth Group Incorporated scores average on the Cluenex quality check (5.2 of 10), measured against its own industry. Profitability is weak, moat fair, growth steady and financial health fair.
In the last 90 days of SEC Form 4 filings: 1 sold $661K outside pre-planned sales.
Oct 13, 2026, before the open.
See UNH today
- Today's verdict on UNH, and why
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Cite this page: Cluenex, “UnitedHealth Group Incorporated (UNH)”, https://cluenex.com/stocks/unh/, data as of Oct 10, 2026.