UNH Stock Analysis: Buy, Sell, or Hold?
UNH - UNITEDHEALTH GROUP INCORPORATED (Delaware)
$286.93
-5.36 (-1.83%)
▼
WAIT
LOW Confidence
Last Updated: January 30, 2026
Earnings: Apr 16, 2026
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78 traders called UNH this week
61% bullish • 48 bearish
61% bullish • 48 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: UNH is down 19.5% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: UNH is down 19.5% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$573.89
Based on 8.8% avg growth
INTRINSIC VALUE TODAY
$356.34
19.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 18.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNH is currently trading at $286.93, which is considered oversold relative to its 30-day fair value range of $311.68 to $350.87. From a valuation perspective, the stock is trading at a discount (Forward PE: 14.4) compared to its historical average (18.6). Remarkably, the market is currently pricing in an annual earnings decline of 8.2% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, UNH is in a downtrend. The price is currently testing key support at $280.40. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $373.60 (+27.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UNH is in a downtrend. The price is currently testing key support at $280.40. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $373.60 (+27.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$311.68 -
$350.87
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Protect Your Profits
Holding UNH? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 27.8% below Wall St target ($373.60)
- WARNING: Recommendation downgraded due to -19.5% 5-day decline - wait for stabilization
Fair Price Analysis
30-Day Fair Range
$311.68 -
$350.87
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$280.40
Resistance Level
$357.87
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
14.41
Wall Street Target
$373.60
(+27.8%)
Revenue Growth (YoY)
12.3%
Earnings Growth (YoY)
-99.8%
Profit Margin
2.7%
Valuation Discount vs History
-8.2% cheaper
PE vs Historical
14.4 vs 18.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.2%
(market-implied from PE analysis)
1-Year Target
$268.32
(-8%)
2-Year Target
$246.32
(-16%)
3-Year Target
$226.12
(-23%)
3-Yr Target (if PE normalizes)
(PE: 14→19)
$291.92
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 13.6%)
$663.82
(+127%)
Base:
(SPY PE: 14.4, Growth: 13.6%)
$428.87
(+47%)
Bear:
(PE: 12.2, Growth: 13.6%)
$364.54
(+25%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 15.31 | Current EPS (TTM): $19.20
Bull Case
$341.74
(+19%)
Analyst growth 5.7%, PE expands to 16.8
Base Case
$310.67
(+8%)
Market implied 5.7%, PE stable at 15.3
Bear Case
$199.93
(-30%)
Severe decline -20.0%, PE contracts to 13.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 14.4 to 18.6
Stabilization Target:
$377.35
(+29.1%)
PE Expansion Potential:
+29.1%
Last updated: January 31, 2026 11:16 AM ET
Data refreshes hourly during market hours. Next update: 12:16 PM
Data refreshes hourly during market hours. Next update: 12:16 PM
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Technical Signals Check
Is UNH showing a specific setup today?
Insider Activity (6 Months)
8
Buys
9
Sells
Net
INSIDERS SELLING
Recent Transactions
Markwayne Mullin
BUY
2025-09-24
Val T. Hoyle
SELL
2025-09-23
Richard McCormick
SELL
2025-09-18
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