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UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage, and health and well-being services to individuals age 50 and older addressing their needs; Medicaid plans, children's health insurance and health care programs; and health and dental benefits, and hospital and clinical services, as well as health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. The OptumHealth segment provides care delivery, care management, wellness and consumer engagement, and health financial services for consumers, care delivery systems, providers, employers, payers, and public-sector entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
UnitedHealth Group operates through UnitedHealthcare (health benefits) and Optum (health services including pharmacy, care delivery and data analytics). Long-term growth drivers include aging demographics and rising healthcare spending, expansion of Medicare Advantage, and Optum's technology and vertically integrated services which could support revenue and margin resilience. Investors may find scale, diversified revenue streams and consistent cash generation attractive.
Material risks include regulatory and legislative changes to Medicare and drug-pricing policy, reimbursement pressure and competition across insurance and services, as well as legal, compliance and execution risks related to integrating complex operations.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 26343.00M | 22310.00M | 20742.00M | 17981.00M | 15944.00M |
| Minority interest | -519.00M | -447.00M | 366.00M | 400.00M | 396.00M |
| Net income | 20120.00M | 17285.00M | 15403.00M | 13839.00M | 11986.00M |
| Selling general administrative | 47782.00M | 42579.00M | 41704.00M | 35193.00M | 34074.00M |
| Gross profit | 77587.00M | 67328.00M | 65498.00M | 55712.00M | 52470.00M |
| Reconciled depreciation | 3400.00M | 3103.00M | 2891.00M | 2720.00M | 2428.00M |
| Ebit | 28435.00M | 23970.00M | 22405.00M | 19685.00M | 15968.00M |
| Ebitda | 29805.00M | 24749.00M | 23794.00M | 20519.00M | 18396.00M |
| Depreciation and amortization | 1370.00M | 779.00M | 1389.00M | 834.00M | 2428.00M |
| Operating income | 28435.00M | 23970.00M | 22405.00M | 19685.00M | 17344.00M |
| Other operating expenses | 295727.00M | 263627.00M | 234736.00M | 222470.00M | 208903.00M |
| Interest expense | 2092.00M | 1660.00M | 1663.00M | 1704.00M | 1400.00M |
| Tax provision | 5704.00M | 4578.00M | 4973.00M | 3742.00M | 3562.00M |
| Interest income | 2092.00M | 1660.00M | 1663.00M | 1704.00M | 1400.00M |
| Net interest income | -2092.00M | -1660.00M | -1663.00M | -1704.00M | -1400.00M |
| Extraordinary items | - | - | - | 0.00M | 0.00M |
| Income tax expense | 5704.00M | 4578.00M | 4973.00M | 3742.00M | 3562.00M |
| Total revenue | 322132.00M | 285273.00M | 255639.00M | 240269.00M | 224871.00M |
| Total operating expenses | 51182.00M | 45682.00M | 44595.00M | 37913.00M | 36502.00M |
| Cost of revenue | 244545.00M | 217945.00M | 190141.00M | 184557.00M | 172401.00M |
| Total other income expense net | -2092.00M | -1660.00M | -1663.00M | -1704.00M | 1376.00M |
| Net income from continuing ops | 20639.00M | 17732.00M | 15769.00M | 14239.00M | 12382.00M |
| Net income applicable to common shares | 20120.00M | 17285.00M | 15403.00M | 13839.00M | 11986.00M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Total assets | 245705.00M | 212206.00M | 197289.00M | 173889.00M | 152221.00M |
| Intangible assets | 14401.00M | 10044.00M | 10856.00M | 10349.00M | 9325.00M |
| Other current assets | 23477.00M | 23635.00M | 21067.00M | 16567.00M | 12980.00M |
| Total liab | 159358.00M | 135727.00M | 126750.00M | 111727.00M | 95994.00M |
| Total stockholder equity | 81450.00M | 75045.00M | 68328.00M | 60436.00M | 54319.00M |
| Deferred long term liab | 2769.00M | 3265.00M | 3367.00M | 2993.00M | 2474.00M |
| Other current liab | 53996.00M | 47618.00M | 42887.00M | 33600.00M | 28949.00M |
| Common stock | 9.00M | 10.00M | 10.00M | 9.00M | 10.00M |
| Capital stock | 9.00M | 10.00M | 10.00M | 9.00M | 10.00M |
| Retained earnings | 86156.00M | 77134.00M | 69295.00M | 61178.00M | 55846.00M |
| Other liab | 11775.00M | 15052.00M | 15682.00M | 9982.00M | 8204.00M |
| Good will | 93352.00M | 75795.00M | 71337.00M | 65659.00M | 58910.00M |
| Other assets | 20714.00M | 107334.00M | 52752.00M | 13810.00M | 8346.00M |
| Cash | 23365.00M | 21375.00M | 16921.00M | 10985.00M | 10866.00M |
| Cash and equivalents | 27911.00M | 21375.00M | 16921.00M | 10985.00M | 10866.00M |
| Total current liabilities | 89237.00M | 78292.00M | 72420.00M | 61782.00M | 53209.00M |
| Current deferred revenue | 3075.00M | 2571.00M | 2842.00M | 2622.00M | 2396.00M |
| Net debt | 34258.00M | 24628.00M | 26546.00M | 29693.00M | 25688.00M |
| Short term debt | 3110.00M | 3620.00M | 4819.00M | 3870.00M | 1973.00M |
| Short long term debt | 3110.00M | 3620.00M | 4819.00M | 3870.00M | 1973.00M |
| Short long term debt total | 57623.00M | 46003.00M | 43467.00M | 40678.00M | 36554.00M |
| Other stockholder equity | 3678.00M | 3285.00M | 2837.00M | 2827.00M | 2623.00M |
| Property plant equipment | 10128.00M | 8969.00M | 8626.00M | 8704.00M | 8458.00M |
| Total current assets | 69069.00M | 61758.00M | 53718.00M | 42634.00M | 38692.00M |
| Long term investments | 43728.00M | 43114.00M | 41242.00M | 37209.00M | 32510.00M |
| Net tangible assets | -25084.00M | 75045.00M | -14491.00M | -16666.00M | -14631.00M |
| Short term investments | 4546.00M | 2532.00M | 2860.00M | 3260.00M | 3458.00M |
| Net receivables | 17681.00M | 14216.00M | 12870.00M | 11822.00M | 11388.00M |
| Long term debt | 54513.00M | 42383.00M | 38648.00M | 36808.00M | 34581.00M |
| Accounts payable | 29056.00M | 24483.00M | 21872.00M | 21690.00M | 19891.00M |
| Noncontrolling interest in consolidated entity | 3678.00M | 3285.00M | 2837.00M | 2820.00M | 2623.00M |
| Accumulated other comprehensive income | -8393.00M | -5384.00M | -3814.00M | -3578.00M | -4160.00M |
| Common stock total equity | 9.00M | 10.00M | 10.00M | 9.00M | 10.00M |
| Retained earnings total equity | 86156.00M | 77134.00M | 69295.00M | 61178.00M | 55846.00M |
| Non currrent assets other | 12258.00M | 107334.00M | 102329.00M | 94046.00M | 1852.00M |
| Non current assets total | 176636.00M | 150448.00M | 143571.00M | 131255.00M | 113529.00M |
| Long term debt total | 54513.00M | 42383.00M | 38648.00M | 36808.00M | 34581.00M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -28476.00M | -1843.00M | -2836.00M | -2504.00M | -4099.00M |
| Change to liabilities | 6143.00M | -3553.00M | 5778.00M | 2084.00M | 2395.00M |
| Total cashflows from investing activities | -28476.00M | -10372.00M | -12532.00M | -12699.00M | -12385.00M |
| Net borrowings | 12536.00M | 2481.00M | 2586.00M | 3994.00M | 4134.00M |
| Total cash from financing activities | 4226.00M | -7455.00M | -3590.00M | -5625.00M | -4365.00M |
| Change to operating activities | 2679.00M | 1522.00M | 2895.00M | -342.00M | 1081.00M |
| Net income | 20639.00M | 17732.00M | 15769.00M | 14239.00M | 12382.00M |
| Change in cash | 1990.00M | 4454.00M | 5936.00M | 119.00M | -1115.00M |
| Begin period cash flow | 21375.00M | 16921.00M | 10985.00M | 10866.00M | 11981.00M |
| End period cash flow | 23365.00M | 21375.00M | 16921.00M | 10985.00M | 10866.00M |
| Total cash from operating activities | 26206.00M | 22343.00M | 22174.00M | 18463.00M | 15713.00M |
| Issuance of capital stock | 1253.00M | 1355.00M | 1440.00M | 1037.00M | 838.00M |
| Depreciation | 3400.00M | 3103.00M | 2891.00M | 2720.00M | 2428.00M |
| Other cashflows from investing activities | -25674.00M | -1254.00M | -7645.00M | -8124.00M | -6223.00M |
| Dividends paid | -5991.00M | -5280.00M | -4584.00M | -3932.00M | 3320.00M |
| Change to inventory | - | -1031.00M | -2195.00M | -1563.00M | -750.00M |
| Change to account receivables | -2523.00M | -1000.00M | -688.00M | 162.00M | -1351.00M |
| Sale purchase of stock | -7000.00M | -5000.00M | -4250.00M | -5500.00M | -4500.00M |
| Other cashflows from financing activities | 18979.00M | 4620.00M | 6954.00M | 4520.00M | 5418.00M |
| Change to netincome | -79.00M | 433.00M | 619.00M | 821.00M | 609.00M |
| Capital expenditures | 2802.00M | 2454.00M | 2051.00M | 2071.00M | 2063.00M |
| Change receivables | -2523.00M | 1000.00M | -688.00M | 162.00M | -1351.00M |
| Cash flows other operating | -1374.00M | 1031.00M | -2195.00M | -1563.00M | -750.00M |
| Exchange rate changes | - | -62.00M | -116.00M | -20.00M | -78.00M |
| Cash and cash equivalents changes | 1956.00M | -40232.00M | 5936.00M | 119.00M | -1115.00M |
| Change in working capital | 2246.00M | 1522.00M | 2895.00M | 683.00M | 294.00M |
| Stock based compensation | 925.00M | 800.00M | 679.00M | 697.00M | 638.00M |
| Other non cash items | 673.00M | -944.00M | -52.00M | 294.00M | 325.00M |
| Free cash flow | 23404.00M | 19889.00M | 20123.00M | 16392.00M | 13650.00M |
Sector: Healthcare Industry: Healthcare Plans
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| UNH UnitedHealth Group Incorporated |
4.94 1.22% |
409.38 | 22.57 | 18.38 | 1.33 | 5.65 | 1.38 | 13.97 |
| CVS CVS Health Corp |
-11.14 12.19% |
80.27 | 55.65 | 10.80 | 0.25 | 1.32 | 0.42 | 17.09 |
| ELV Elevance Health Inc |
- -% |
434.18 | 18.47 | 14.58 | 0.45 | 2.05 | 0.56 | - |
| CI Cigna Corp |
9.97 3.37% |
305.41 | 11.94 | 8.68 | 0.27 | 1.80 | 0.36 | 7.93 |
| HUM Humana Inc |
-0.45 0.11% |
417.42 | 38.47 | 26.45 | 0.33 | 2.54 | 0.39 | - |
UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage, and health and well-being services to individuals age 50 and older addressing their needs; Medicaid plans, children's health insurance and health care programs; and health and dental benefits, and hospital and clinical services, as well as health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. The OptumHealth segment provides care delivery, care management, wellness and consumer engagement, and health financial services for consumers, care delivery systems, providers, employers, payers, and public-sector entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.
UnitedHealth Group Center, Minnetonka, MN, United States, 55343
952 936 1300
400000
| Name | Title | Year Born |
|---|---|---|
| Sir Andrew Philip Witty | CEO & Director | 1965 |
| Mr. Dirk C. McMahon | Pres & COO | 1960 |
| Mr. John F. Rex | Exec. VP & CFO | 1962 |
| Mr. Brian Robert Thompson | Exec. VP & CEO of UnitedHealthcare | NA |
| Mr. Thomas Edward Roos | Sr. VP & Chief Accounting Officer | 1973 |
| Mr. Sandeep Dadlani | Exec. VP and Chief Digital & Technology Officer | 1975 |
| Mr. Zachary William Sopcak | Sr. VP of Capital Markets Communications & Investor Relations | NA |
| Mr. Rupert Bondy | Exec. VP & Chief Legal Officer | 1962 |
| Ms. Jennifer Mound Smoter | Sr. VP & Chief Communications Officer | NA |
| Mr. James T. Barry Jr. | Director of Sales for Western Pennsylvania | 1946 |
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