RadarScope: UNH — Analiza Fundamentala

Market Cap

$354.1B

P/E Ratio

25.1

Profit Margin

3.1%

ROE

14.4%

📈 Earnings Report — 2026-07

Ultimul trimestru raportat

EPS Actual

$6.38

▼ 11.8% QoQ▲ 56.4% YoY

EPS Estimat

$4.94

Beat by 29.1%

Revenue Actual

$112.03B

▲ 0.0% QoQ▲ 0.4% YoY

Revenue Estimat

$110.81B

Beat by 1.1%

Istoric Ultimele 4 Trimestre

2026-07

EPS Actual

$6.38

EPS Est.

$4.94

Revenue

$112.03B

Beat/Miss

Beat by 29.1%

2026-04

EPS Actual

$7.23

EPS Est.

$6.46

Revenue

$112.03B

Beat/Miss

Beat by 11.9%

2026-01

EPS Actual

$2.11

EPS Est.

$2.1

Revenue

$113.22B

Beat/Miss

Beat by 0.5%

2025-10

EPS Actual

$2.92

EPS Est.

$2.8

Revenue

$113.16B

Beat/Miss

Beat by 4.3%

Urmatorul Raport

Data

2026-10-27

EPS Estimat

$4.09

Revenue Estimat

$111.31B

💰 Dividende Recente

2026-09

$2.32

Yield: 2.31%

Plata: 2026-09

2026-06

$2.32

Yield: 2.18%

Plata: 2026-06

2026-03

$2.21

Yield: 3.10%

Plata: 2026-03

2025-12

$2.21

Yield: 2.70%

Plata: 2025-12

📊 Scoruri Companie

Crestere 8/10

Revenue & Profit Growth

Evaluare 6/10

P/E · P/B · P/S

Calitate 8/10

Marje · ROE · Datorii

Risc 5/10

Beta · Market Cap

📈 Date Financiare Istorice in miliarde USD

💰 Revenue

📊 Net Profit

💵 Cash Flow

Operating (albastru) · Free (violet)

🏦 Cash & Datorii

Cash (verde) · Long-term Debt (rosu)

💸 Operating Expenses

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📖 Indicatorii lui Lynch — concluzii rapide dupa Peter Lynch

PEG — P/E in contextul cresterii

N/A

PEG indisponibil (profit in scadere). PEG-ul Lynch nu se aplica firmelor fara profit sau cu profit in scadere.

P/E vs istoria proprie si sectorul

P/E acum 25.1.
vs media proprie 5 ani (26.3): IN LINIE cu istoria
vs sector Healthcare (22.7): PESTE sector
Lynch: compara P/E cu propria istorie si media industriei, nu in absolut.

Procentul din vanzari (concentrare produs)

CONCENTRAT PE 1 PRODUS

Unitedhealthcare 94% · Optumhealth 6%
Lynch: un produs genial care aduce sub ~10% din venituri nu misca actiunea.

Cash si datorie

DATORIE NETA

Datorie neta pe actiune $55.35 (mai multa datorie decat cash).
Datorie/Capital 0.70 DATORIE MODERATA — decide supravietuirea in vremuri grele (esential la ciclice si turnarounds).
Tip datorie: OK — TERMEN LUNG — majoritar pe termen lung (obligatiuni = timp de manevra). Scurt $6.1B / Lung $72.3B.

Marje de profit

MARJE SUBTIRI

Bruta 22.5% · Operationala 4.8% · Neta 3.1%. Marje mici — dar intr-o redresare de ciclu, tocmai firma cu marje mici are cea mai exploziva crestere procentuala a profitului.

Inventare vs vanzari

FARA STOCURI

Firma fara stocuri semnificative (servicii / software) — indicatorul nu se aplica.

Povestea in 2 minute

De ce o detii: Analiza AI (verdict, bull case, bear case) este disponibila pe planurile Trader si Elite.
Ce trebuie sa mearga bine: Disponibil pe Trader / Elite
Obstacole: Disponibil pe Trader / Elite
Lynch: daca nu poti explica coerent in 2 minute de ce o detii, nu o intelegi.

🔬 Analiza Fundamentala Avansata · an fiscal 2025-12-31

🏦 Altman Z-Score

2.99 ZONA SIGURA

X1 Capital de lucru / Active	-0.079	x1.2
X2 Profit reportat / Active	0.309	x1.4
X3 EBIT / Active	0.06	x3.3
X4 Capitalizare / Datorii	1.684	x0.6
X5 Vanzari / Active	1.446	x1.0

Praguri Altman (1968): >2,99 sigur · 1,81–2,99 gri · <1,81 pericol de faliment

💪 Piotroski F-Score

6/9 ACCEPTABIL

✓ROA pozitiv3.89%

✓Cash flow operational pozitiv19.70B

✗ROA in crestere3.89% vs 4.83%

✓Cash flow > Profit net (calitate)19.70B vs 12.06B

✓Datorie pe termen lung in scadere23.4% vs 24.3% din active

✗Lichiditate curenta in crestere0.79 vs 0.83

✓Fara emisiune de actiuni noi905.8M vs 915.0M

✗Marja bruta in crestere18.5% vs 22.3%

✓Rotatia activelor in crestere1.45 vs 1.34

9 teste binare (Piotroski, 2000). 8–9 = putere financiara · 0–2 = slabiciune

⚖️ ROIC vs WACC

+3.91pp CREEAZA VALOARE

ROIC (randamentul capitalului)	11.00%
WACC (costul capitalului)	7.09%

Ipoteze (la vedere):
Rata fara risc 4.2% (USD) · Beta 0.63 · Prima de risc 5.5%
Cost capitaluri proprii 7.68% · Cost datorie 5.11% · Impozit efectiv 12.9%

Metode publice: Altman, E. (1968), Journal of Finance · Piotroski, J. (2000), Journal of Accounting Research · ROIC/WACC prin CAPM. Fiecare cifra isi arata componentele si pragurile — poti reface calculul manual.

📊 Metrici Fundamentale

P/E TTM25.1

P/B TTM3.38

P/S TTM0.79

EV/EBITDA15.5

Gross Margin22.5%

Operating Margin4.8%

Net Margin3.1%

ROE14.4%

ROA4.6%

Debt/Equity0.70

Current Ratio1.24

FCF Yield6.7%

Dividend Yield2.30%

Beta0.63

💰 Venituri & Profit (ultimele trimestre)

Trimestru	Revenue	Gross Profit	Net Income	EPS
2026-06	$112.0B	$36.7B	$5.5B	$6.05
2026-03	$111.7B	$25.4B	$6.3B	$6.90
2025-12	$113.2B	$18.5B	$10.0M	$0.01
2025-09	$113.2B	$20.6B	$2.3B	$2.59

🏢 Profil Companie

CEOStephen J. Hemsley

Angajati390000

IPO1984-10-17

Websitehttps://www.unitedhealthgroup....

52W High$461.62

52W Low$255.97

UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individ...

🎯 Score Breakdown

Calitate Companie (Q) 8/10

Risc Speculativ (R) 5/10

Scor AI RadarScope 0/100

VERDICT FINAL

TINE

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