TIL
Instil Bio, Inc.
There isn't enough reported data to score TIL yet.
UNH
UnitedHealth Group Incorporated
UNH's fundamentals are mixed: free cash flow grew 31%, but earnings per share fell 8.5%. At 23x earnings, it's trading right at its usual valuation. Analysts expect strong earnings growth, though they disagree widely on how much.
TIL Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Under pressure | |
| Unavailable | |
| Unavailable |
TIL's revenue and profitability are currently under pressure. There isn't enough data to rate its cash flow and balance sheet.
UNH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Healthy | |
| Healthy |
UNH's cash flow and balance sheet are currently healthy, and its revenue and profitability are stable.
TIL PE Valuation
TIL has no meaningful PE right now: it lost money over the past year.
UNH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 18x | $405 | — |
| Cheap | 19x | $325 | -20% |
| Fair | 23x | $410 | +1.2% |
| Current | 23x | $405 | — |
| Expensive | 30x | $526 | +30% |
Historical ranges are pointers, not guarantees.
UNH's PE is in its fair range at 23x. If earnings grow as analysts expect, today's price would be 18x next year's earnings, in its cheap range.
TIL Forward outlook
There aren't enough analyst estimates for TIL to show an outlook.
UNH Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Stable | |
| Improving | |
| Moderate | |
| Low |
Analysts expect UNH's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
TIL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$4.39 | +$8.53 |
| Q1 2026 | -$7.00 | +$4.97 |
| Q4 2025 | -$10.70 | +$0.69 |
| Q3 2025 | -$11.39 | +$0.18 |
| Q2 2025 | -$12.92 | +$5.51 |
| Q1 2025 | -$11.97 | +$6.97 |
| Q4 2024 | -$11.39 | +$12.61 |
| Q3 2024 | -$11.57 | +$18.63 |
TIL is still losing money, but far less than before: $4.39 per share over the past year, against $34.80 at its worst in early 2023.
UNH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $22.65 | +29% |
| Q3 2026 | $17.55 | -8.5% |
| Q2 2026 | $15.58 | -33% |
| Q1 2026 | $13.28 | -44% |
| Q4 2025 | $13.23 | -15% |
| Q3 2025 | $19.17 | +25% |
| Q2 2025 | $23.09 | +53% |
| Q1 2025 | $23.89 | +46% |
| Q4 2024 | $15.51 | -35% |
UNH has the edge over TIL on earnings quality, reporting a profit while its opponent remains loss making.
TIL Quarterly Revenue
TIL's revenue has slid since its 2020 peak: $0 last quarter.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2020 | -14829% | N/A |
| Q2 2020 | -10936% | N/A |
| Q1 2020 | -8780% | N/A |
UNH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $112.7B | -0.4% |
| Q2 2026 | $112B | +0.4% |
| Q1 2026 | $111.7B | +2% |
| Q4 2025 | $113.2B | +12% |
| Q3 2025 | $113.2B | +12% |
| Q2 2025 | $111.6B | +13% |
| Q1 2025 | $109.6B | +9.8% |
| Q4 2024 | $100.8B | +6.8% |
UNH's revenue has held roughly level: $113B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.8% | +2 points |
| Q2 2026 | 7.1% | +2.5 points |
| Q1 2026 | 8.1% | -0.3 points |
| Q4 2025 | 0.3% | -7.4 points |
| Q3 2025 | 3.8% | -4.8 points |
| Q2 2025 | 4.6% | -3.4 points |
| Q1 2025 | 8.3% | +0.4 points |
| Q4 2024 | 7.7% | -0.4 points |
UNH's operating margin was 5.8% last quarter, up 2 points from the same quarter a year ago.
TIL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$4.6M | +$10.1M |
| Q1 2026 | -$1.3M | +$2.9M |
| Q4 2025 | -$7.1M | +$3.5M |
| Q3 2025 | -$10.6M | +$9.6M |
| Q2 2025 | -$14.8M | -$4.2M |
| Q1 2025 | -$4.2M | +$10.2M |
| Q4 2024 | -$10.6M | +$2.9M |
| Q3 2024 | -$20.1M | -$549K |
TIL has burned cash in almost every quarter: −$24M over the past year, against −$50M the year before.
UNH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.3B | -16% |
| Q2 2026 | $10.3B | +63% |
| Q1 2026 | $8.1B | +79% |
| Q4 2025 | $160M | -89% |
| Q3 2025 | $5.1B | -61% |
| Q2 2025 | $6.3B | +6.9% |
| Q1 2025 | $4.6B | +1037% |
| Q4 2024 | $1.5B | +$7.6B |
UNH has the edge over TIL on cash generation, producing positive trailing cash flow while its opponent burns cash.
TIL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | +2.8% | +185K shares |
| 3 years | +4.3% | +278K shares |
| 5 years | +5.4% | +345K shares |
TIL has 7M diluted shares, up 2.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
UNH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -4M shares |
| 1 year | -0.7% | -6M shares |
| 3 years | -3.6% | -34M shares |
| 5 years | -5.5% | -53M shares |
| Available history | -6.6% | -64M shares |
UNH has the edge over TIL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3.4B |
| Q2 2026 | $1.6B |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $2.5B |
| Q1 2025 | $3B |
| Q4 2024 | $5B |
UNH spent $5B buying back its own shares over the past year, down 52% from the year before.
TIL Net Leverage
TIL's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
UNH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.7x | Healthy |
| Q2 2026 | 1.7x | Healthy |
| Q1 2026 | 2.2x | Moderate |
| Q4 2025 | 2.3x | Moderate |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.5x | Healthy |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 1.4x | Healthy |
UNH's net debt is about 1.7 years of its operating earnings (EBITDA), about the same as a year ago.
TIL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 36.5 | Neutral |
| Stochastic | 45.6 | Neutral |
TIL's weekly RSI is 36 (neutral) and its Stochastic is 46 (neutral).
UNH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.4 | Neutral |
| Stochastic | 60.0 | Neutral |
UNH's weekly RSI is 56 (neutral) and its Stochastic is 60 (neutral).
TIL PE vs Healthcare Sector
TIL has no meaningful PE right now: it lost money over the past year.
UNH PE vs Healthcare Sector
| Metric | UNH | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 26x | 11% below |
| PE % | 47 | 29 | 18 pts above |
UNH is trading at 23x earnings, a 11% discount to the Healthcare sector's median of 26x.
TIL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.59 | 5.3% below |
| 20 week MA | $7.09 | 12% below |
| 50 week MA | $7.95 | 22% below |
| 100 week MA | $14.6 | 57% below |
| 200 week MA | $14.9 | 58% below |
TIL is in a downtrend: it's below all five of its weekly moving averages, and 58% below its 200-week average.
UNH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $394.2 | 2.8% above |
| 20 week MA | $400.5 | 1.2% above |
| 50 week MA | $361.2 | 12% above |
| 100 week MA | $376.0 | 7.8% above |
| 200 week MA | $446.6 | 9.3% below |
UNH has the edge over TIL on trend strength, trading above more of its moving averages.
TIL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $528.8 | $322.6 | -39% |
| 2022 | $322.6 | $10.0 | -97% |
| 2023 | $10.0 | $7.62 | -24% |
| 2024 | $7.62 | $20.1 | +163% |
| 2025 | $20.1 | $11.3 | -44% |
| 2026 YTD | $11.3 | $6.24 | -45% |
TIL's yearly returns have swung widely, from +163% in 2024 to −97% in 2022. It's down 45% so far in 2026.
UNH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $296.0 | $340.8 | +15% |
| 2021 | $340.8 | $495.4 | +45% |
| 2022 | $495.4 | $531.3 | +7.3% |
| 2023 | $531.3 | $526.5 | -0.9% |
| 2024 | $526.5 | $510.0 | -3.1% |
| 2025 | $510.0 | $331.8 | -35% |
| 2026 YTD | $331.8 | $405.1 | +22% |
UNH has the edge over TIL on returns for 2026, with the stronger performance.