UNH Stock Analysis: Buy, Sell, or Hold?
UNH - UNITEDHEALTH GROUP INCORPORATED (Delaware)
$260.35
1.33 (0.51%)
▲
5d:
-3.41%
30d:
-11.23%
90d:
-21.54%
BUY
HIGH Confidence
Analysis Updated: Mar 27, 2026 12:00 AM ET
Earnings: Apr 21, 2026
21d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: UNH trading at deep discount. Market pricing in -7.5% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: UNH trading at deep discount. Market pricing in -7.5% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$475.25
Based on 7.8% avg growth
INTRINSIC VALUE TODAY
$295.09
11.8% 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 16.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNH is currently trading at $260.35, which is considered oversold relative to its 30-day fair value range of $271.89 to $290.67. From a valuation perspective, the stock is trading at a discount (Forward PE: 13.0) compared to its historical average (16.4). Remarkably, the market is currently pricing in an annual earnings decline of 7.5% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, UNH is in a strong downtrend. The price is currently testing key support at $255.97. 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 $358.92 (+38.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UNH is in a strong downtrend. The price is currently testing key support at $255.97. 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 $358.92 (+38.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$271.89 -
$290.67
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 38.6% below Wall St target ($358.92)
Fair Price Analysis
30-Day Fair Range
$271.89 -
$290.67
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$255.97
Resistance Level
$288.99
Current Trend
Strong Downtrend
Technical data as of
Mar 30, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.99
Wall Street Target
$358.92
(+38.6%)
Revenue Growth (YoY)
12.3%
Earnings Growth (YoY)
-99.9%
Profit Margin
2.7%
Valuation Discount vs History
-7.5% cheaper
PE vs Historical
13.0 vs 16.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.5%
(market-implied from PE analysis)
1-Year Target
$239.59
(-8%)
2-Year Target
$221.62
(-14%)
3-Year Target
$205.00
(-21%)
3-Yr Target (if PE normalizes)
(PE: 13→16)
$258.78
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 11.6%)
$621.41
(+140%)
Base:
(SPY PE: 13.0, Growth: 11.6%)
$360.42
(+39%)
Bear:
(PE: 11.0, Growth: 11.6%)
$306.36
(+18%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 20.83 | Current EPS (TTM): $13.23
Bull Case
$456.27
(+69%)
Analyst growth 50.5%, PE expands to 22.9
Base Case
$414.79
(+54%)
Market implied 50.5%, PE stable at 20.8
Bear Case
$187.40
(-31%)
Severe decline -20.0%, PE contracts to 17.7
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 13.0 to 16.4
Stabilization Target:
$326.96
(+26.2%)
PE Expansion Potential:
+26.2%
Share & Embed Analysis
Last updated: March 30, 2026 1:34 PM ET
Data refreshes hourly during market hours. Next update: 2:34 PM
Data refreshes hourly during market hours. Next update: 2:34 PM
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Technical Signals Check
Is UNH showing a specific setup today?
Insider Activity (6 Months)
8
Buys
12
Sells
Net
INSIDERS SELLING
Recent Transactions
Markwayne Mullin
BUY
2026-02-25
Ro Khanna
SELL
2026-02-24
Ro Khanna
SELL
2026-02-17
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