UNH UnitedHealth Group Incorporated
Healthcare
Price
$404.95
Intrinsic value
$117.53
Buy price
$94.02
Discount
-244.6%
DCF walkthrough
Near-term growth (g1)0.00%
Terminal growth (g2)3.50%
Years of g1 growth4
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $23,153,000,000.00
- Total debt
- $73,328,001,024.00
- Cash & STI
- $31,467,999,232.00
- Shares out.
- 910,000,000
Overvalued
Intrinsic value$117.48
Buy price (with MOS)$93.98
Current price$404.95
Discount to intrinsic value-244.7%
7-step quality scorecard
ROE quality
HIGH_CONSISTENT- Average ROE
- 19.9%
- Current ROE
- 12.8%
- Minimum ROE
- 12.8%
Debt quality
MODERATE- Debt / Equity
- 0.78x
Moat proxy
MODERATE_PROXYCash-flow reliability
OK- Operating CF / Net income
- 1.64x
Technical chart
Confluence: WEAK (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(cfCAGR,revenueCAGR)
- Valuation model
- DCF_OCF
- Debt as % of DCF PV
- 46.6%
- Public economic interest
- 92.5%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.