UnitedHealth Group combines health-insurance coverage with healthcare services and technology. UnitedHealthcare provides employer, individual, Medicare, and Medicaid-related coverage, while Optum delivers pharmacy benefit management, healthcare delivery, data analytics, and administrative services. Earnings depend on membership, medical utilization and costs, government program funding, and execution across insurance and care-delivery operations.
UnitedHealth Group Inc. (UNH) has a MarketKingdoms composite score of 63.3 (B-), an B-range rating. It ranks 990th of 1,866 covered companies, 47th of 78 in Healthcare (sector average 64.5) and 4th of 6 in Healthcare Plans. Scores as of 2026-10-25.
Its strongest lenses are Stock selection at 77 (Healthcare average 79) and Industry opportunity at 73 (Healthcare average 81). Its weakest lenses are Quality (profitability) at 35 (sector average 50) and Expansion (growth) at 42 (sector average 50).
| Lens | Type | UNH | Healthcare average | Healthcare Plans average | Percentile in sector |
|---|---|---|---|---|---|
| Industry opportunity | Research signal | 73 | 81 | 73 | 8th |
| Stock selection | Research signal | 77 | 79 | 76 | 33rd |
| KPI momentum | Research signal | 69 | 78 | 72 | 25th |
| Catalyst watch | Research signal | 73 | 74 | 72 | 41st |
| Price (valuation) | Fundamental lens | 65 | 50 | 72 | 72nd |
| Expansion (growth) | Fundamental lens | 42 | 50 | 42 | 35th |
| Quality (profitability) | Fundamental lens | 35 | 50 | 27 | 27th |
| Trend (momentum) | Fundamental lens | 43 | 50 | 57 | 41st |
The most recent call analysed was held on 2026-10-13 (fiscal 2026 Q3). MarketKingdoms checks what management promised on each call against what it later delivered.
The stock's valuation gap is +3.7%: its price is in line with the path its market, sector and industry moves explain. Factor sensitivity: market beta 0.52, sector beta 0.20, industry beta 0.68; the factor model explains 49% of its moves (R²).
| Company | Composite | Grade | Valuation gap |
|---|---|---|---|
| Humana Inc. (HUM) | 64.9 | B | +7.2% |
| Elevance Health Inc. (ELV) | 64.4 | B | -5.5% |
| CVS Health Corp. (CVS) | 64.1 | B | -15.6% |
| Cigna Group (CI) | 63.3 | B- | +2.5% |
| Centene Corp. (CNC) | 62.4 | B- | -11.2% |
UnitedHealth Group Inc. financial statements · Healthcare sector ranking · Healthcare Plans industry ranking · All covered companies
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.