NASDAQ · STOCK
UnitedHealth Group
$424.57
52W $234.60 – $434.30
55/100
$392.03B
32.5
0.63
Price History (6M)
Executive Summary
7 analysts weighed in with 57% agreement on a neutral lean. Portfolio Manager: Portfolio position concentration is currently healthy. Risk Analyst: Current ratio of 0.89 is tight -- limited short-term liquidity cushion. Overall recommendation: WATCH.
Bull & Bear Case
Bull Case
- Daily trend: uptrend.
- Daily uptrend conflicts with weekly downtrend — buying against the higher timeframe trend is higher risk.
- Higher Highs / Higher Lows structure confirms bullish price action.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.248) — bearish momentum.
- Weekly trend is bearish while daily is bullish — against the higher-timeframe trend.
- Bearish candlestick pattern(s) detected: Bearish Engulfing.
AI Investment Committee
Committee Consensus
As of July 12, 2026
Overall Committee Score
55/100
Agreement
57%
Analysts
7
Conviction
Contested
Value Analyst
neutral
48
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− P/E of 32.0 is moderate-to-rich
Growth Analyst
neutral
48
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
− EPS declining -44.6% YoY despite any revenue growth
Technical Analyst
neutral
49
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.89 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bullish
75
/ 100 · Low confidence
The existing book is healthy enough that position-sizing here is a matter of stock selection, not portfolio constraints
+ Portfolio position concentration is currently healthy
Technical Analysis
RSI (14)
55.6
Neutral
MACD Histogram
-0.248
Bearish Momentum
Trend Direction
Uptrend
Weekly: Downtrend
Market Structure
Hh Hl
Support
$304.58
Resistance
$553.75
Bollinger %B
0.72
Inside Bands
Price vs Moving Averages
EMA 9
$423.45
Above
EMA 21
$415.13
Above
EMA 50
$393.52
Above
EMA 200
$357.06
Above
Fundamental Analysis
Valuation
52
Growth
51
Profitability
38
Financial Health
46
Valuation
P/E Ratio
32.5×
P/B Ratio
3.18×
PEG Ratio
—
Dividend Yield
2.15%
52W High
$434.30
52W Low
$234.60
Quality & Growth
ROE
1240.0%
ROA
387.0%
Gross Margin
—
Operating Margin
412.0%
Revenue Growth YoY
+967.0%
Debt / Equity
0.83
AI Fundamental Assessment
P/E ratio of 32.5 (rich relative to a 15-40x range); Price-to-book of 3.2x; Revenue growth (YoY) of 9.7%; EPS growth (YoY) of -44.6%; Return on equity of 12.4%; Return on assets of 3.9%; Net margin of 2.7%; Current ratio of 0.89 (tight short-term liquidity); Debt-to-equity of 0.83; Most recent quarter beat estimates by 8.9%; EPS growth accelerating (-27.7% -> +242.7% QoQ); Analyst estimates rising over recent quarters
Key Risks
- MACD histogram is negative (-0.248) — bearish momentum.
- Weekly trend is bearish while daily is bullish — against the higher-timeframe trend.
- Bearish candlestick pattern(s) detected: Bearish Engulfing.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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