UNH Stock Analysis: Buy, Sell, or Hold?
UNH - UNITEDHEALTH GROUP INCORPORATED (Delaware)
$379.98
10.24 (2.77%)
▲
5d:
+3.04%
30d:
+23.81%
90d:
+37.35%
WAIT
LOW Confidence
Analysis Updated: May 8, 2026 12:00 AM ET
Earnings: Jul 28, 2026
Smart Money Accumulation
None View Scanner →
Strength: 7.0/10
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9 traders called UNH this week
80% bullish • 2 bearish
80% bullish • 2 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: UNH shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: UNH shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$507.57
Based on 8.5% avg growth
INTRINSIC VALUE TODAY
$315.16
Trading above historical range
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 16.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNH is currently trading at $379.98, which is considered extended relative to its 30-day fair value range of $294.97 to $366.26. From a valuation perspective, the stock is trading at a premium (Forward PE: 18.3) compared to its historical average (16.3). At these levels, the market is pricing in 3.9% annual earnings growth. This is a high bar to clear, indicating the stock may be priced for perfection.
Technical Outlook: Technically, UNH is in a downtrend. The price is approaching resistance at $375.46. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UNH is in a downtrend. The price is approaching resistance at $375.46. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$294.97 -
$366.26
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
41.4%
Protect Your Profits
UNH is technically overbought (RSI 81). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($387.27)
- BEARISH: Market expects 3.9% growth - appears too optimistic based on history
Trading Range Analysis
30-Day Trading Range
$294.97 -
$366.26
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$348.95
Resistance Level
$375.46
Current Trend
Downtrend
Technical data as of
May 8, 2026
Fundamental Context
Forward P/E (Next Year Est.)
18.31
Wall Street Target
$387.27
(+1.9%)
Revenue Growth (YoY)
2.0%
Earnings Growth (YoY)
0.7%
Profit Margin
2.7%
Valuation Premium vs History
+3.9% premium
PE vs Historical
18.3 vs 16.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.9%
(market-implied from PE analysis)
1-Year Target
$394.80
(+4%)
2-Year Target
$410.20
(+8%)
3-Year Target
$426.19
(+12%)
3-Yr Target (if PE normalizes)
(PE: 18→16)
PE COMPRESSION
$379.43
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 13.0%)
$657.14
(+73%)
Base:
(SPY PE: 18.3, Growth: 13.0%)
$548.39
(+44%)
Bear:
(PE: 15.6, Growth: 13.0%)
$466.13
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (28x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 27.86 | Current EPS (TTM): $13.27
Bull Case
$636.08
(+67%)
Analyst growth 56.4%, PE expands to 30.7
Base Case
$578.26
(+52%)
Market implied 56.4%, PE stable at 27.9
Bear Case
$251.42
(-34%)
Severe decline -20.0%, PE contracts to 23.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 10, 2026 2:58 PM ET
Data refreshes hourly during market hours. Next update: 3:58 PM
Data refreshes hourly during market hours. Next update: 3:58 PM
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Technical Signals Check
Is UNH showing a specific setup today?
Insider Activity (6 Months)
8
Buys
10
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
BUY
2026-03-23
Ro Khanna
SELL
2026-03-20
Richard McCormick
BUY
2026-03-19
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