Ratio Analysis: Unpacking Unitedhealth Group Inc (UNH)’s Price-to-Cash and Price-to-Free Cash Flow

Ulysses Smith

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After finishing at $345.56 in the prior trading day, Unitedhealth Group Inc (NYSE: UNH) closed at $344.08, down -0.43%. In other words, the price has decreased by -$0.43 from its previous closing price. On the day, 6.75 million shares were traded. UNH stock price reached its highest trading level at $349.97 during the session, while it also had its lowest trading level at $341.3.

Ratios:

Our goal is to gain a better understanding of UNH by taking a closer look at its different ratios. In the meantime, Its Debt-to-Equity ratio is 0.84 whereas as Long-Term Debt/Eq ratio is at 0.78.

On July 30, 2025, Oppenheimer reiterated its Outperform rating and also upped its target price recommendation from $400 to $325.

Robert W. Baird Downgraded its Outperform to Neutral on June 11, 2025, while the target price for the stock was maintained at $312.

Insider Transactions:

The insider trade also gives investors a glimpse into the future direction of stock prices, which can be beneficial to investors. A recent insider transaction in this stock occurred on Sep 11 ’25 when Baker Charles D. sold 27 shares for $356.05 per share. The transaction valued at 9,613 led to the insider holds 0 shares of the business.

James P Schadt Trust FBO Laure bought 27 shares of UNH for $9,363 on Sep 11 ’25. On Jun 10 ’25, another insider, Conway Patrick Hugh, who serves as the Chief Executive Officer, Optum of the company, sold 589 shares for $305.00 each. As a result, the insider received 179,645 and left with 10,398 shares of the company.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, UNH now has a Market Capitalization of 311624171520 and an Enterprise Value of 368857186304. As of this moment, Unitedhealth’s Price-to-Earnings (P/E) ratio for their current fiscal year is 14.90, and their Forward P/E ratio for the next fiscal year is 19.47. For the stock, the TTM Price-to-Sale (P/S) ratio is 0.74 while its Price-to-Book (P/B) ratio in mrq is 3.29. Its current Enterprise Value per Revenue stands at 0.872 whereas that against EBITDA is 10.985.

Stock Price History:

The Beta on a monthly basis for UNH is 0.47, which has changed by -0.41150713 over the last 52 weeks, in comparison to a change of 0.1529237 over the same period for the S&P500. Over the past 52 weeks, UNH has reached a high of $630.73, while it has fallen to a 52-week low of $234.60. The 50-Day Moving Average of the stock is 14.44%, while the 200-Day Moving Average is calculated to be -15.30%.

Shares Statistics:

The stock has traded on average 16.42M shares per day over the past 3-months and 10240010 shares per day over the last 10 days, according to various share statistics. A total of 905.00M shares are outstanding, with a floating share count of 903.32M. Insiders hold about 0.26% of the company’s shares, while institutions hold 86.61% stake in the company. Shares short for UNH as of 1757894400 were 14238970 with a Short Ratio of 0.87, compared to 1755216000 on 16603605. Therefore, it implies a Short% of Shares Outstanding of 14238970 and a Short% of Float of 1.5800001000000001.

Dividends & Splits

In the trailing 12 months, UNH’s forward annual dividend rate was 8.51, compared to 8.62 this year. Against a Trailing Annual Dividend Yield of 0.024626695. The stock’s 5-year Average Dividend Yield is 1.46. . The current Payout Ratio is 52.75% for UNH, which recently paid a dividend on 2025-09-15 with an ex-dividend date of 2025-09-15. Stock splits for the company last occurred on 2005-05-31 when the company split stock in a 2:1 ratio.

Earnings Estimates

Currently, 20.0 analysts are dedicated to thoroughly evaluating and rating the performance of Unitedhealth Group Inc (UNH) in the stock market.The consensus estimate for the next quarter is $2.06, with high estimates of $2.86 and low estimates of $1.57.

Analysts are recommending an EPS of between $16.82 and $16.0 for the fiscal current year, implying an average EPS of $16.24. EPS for the following year is $18.09, with 26.0 analysts recommending between $23.46 and $16.48.

Revenue Estimates

18 analysts predict $113.19B in revenue for . The current quarter. It ranges from a high estimate of $114.65B to a low estimate of $110.16B. As of . The current estimate, Unitedhealth Group Inc’s year-ago sales were $100.82BFor the next quarter, 18 analysts are estimating revenue of $114.01B. There is a high estimate of $116.38B for the next quarter, whereas the lowest estimate is $110.6B.

A total of 22 analysts have provided revenue estimates for UNH’s current fiscal year. The highest revenue estimate was $451.16B, while the lowest revenue estimate was $441.94B, resulting in an average revenue estimate of $448.16B. In the same quarter a year ago, actual revenue was $400.28BBased on 22 analysts’ estimates, the company’s revenue will be $467.52B in the next fiscal year. The high estimate is $487.21B and the low estimate is $440.27B.

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