DCF ScreenerData as of Oct 10, 2026, 1:06 AM UTC
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UNH UnitedHealth Group Incorporated

Healthcare

Price
$376.32
Intrinsic value
$144.88
Buy price
$115.90
Discount
-159.7%
Overvalued

Live signals (1)

Daily bars as of Oct 8, 2026
  • DCDowntrend ContinuationBearish ↓

    A strong bearish bar rejecting a falling 20/50-SMA stack - the downtrend resuming after a bounce into the moving averages.

    Fired Oct 8, 2026on the latest daily bar32.9% win rate · 0.89x profit factor

A pattern is reported for 5 bars after it fires (the sweet-spot fill window), so an older bar count means the entry has had longer to play out - not that the signal is stronger. Win rate and profit factor are the pattern's backtested averages across the S&P 500, not a forecast for this ticker.

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
$27,017,000,000.00
Total debt
$73,328,001,024.00
Cash & STI
$31,467,999,232.00
Shares out.
906,000,000
Overvalued
Intrinsic value$144.82
Buy price (with MOS)$115.86
Current price$376.32
Discount to intrinsic value-159.9%

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_PROXY
Cash-flow reliability
OK
Operating CF / Net income
1.91x

Technical chart

Confluence: MODERATE (2/3)

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 (see Live signals above for when it fired).

Assumptions & data quality

Data source
yfinance
Growth (g1) source
min(cfCAGR,revenueCAGR)
Valuation model
DCF_OCF
Debt as % of DCF PV
39.9%
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.