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.
UPC
Universe Pharmaceuticals Inc.
There isn't enough reported data to score UPC yet.
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.
UPC Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| Unavailable | |
| Strong |
UPC's balance sheet is currently strong, but its profitability is weak. There isn't enough data to rate its revenue and cash flow.
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.
UPC PE Valuation
UPC has no meaningful PE right now: it lost money over the past year.
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.
UPC Forward outlook
There aren't enough analyst estimates for UPC to show an outlook.
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 UPC in the latest year-over-year earnings comparison.
UPC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2024 | -$3,054.00 | -$1,206.00 |
| Q3 2023 | -$1,020.00 | +$420.00 |
| Q3 2022 | -$1,440.00 | -167% |
UPC has swung to a loss: it lost $3,054.00 per share over the past year, after a profit the year before.
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.
UPC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2024 | $23M | +66% |
| Q1 2024 | $12.9M | -30% |
| Q3 2023 | $13.8M | -13% |
| Q1 2023 | $18.5M | -24% |
| Q3 2022 | $15.9M | -67% |
| Q3 2021 | $48M | +213% |
| Q3 2020 | $15.4M | -7.6% |
| Q1 2020 | $15.4M | +85% |
UPC has the edge over UNH in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2024 | -35% | +36 points |
| Q1 2024 | -14% | -25 points |
| Q3 2023 | -27% | -55 points |
| Q1 2023 | 0.8% | -33 points |
| Q3 2022 | -71% | -105 points |
| Q1 2022 | 11% | -18 points |
| Q3 2021 | 28% | -1 points |
| Q3 2020 | 34% | -0.2 points |
UPC's operating margin was −35% last quarter, up 36 points from the same quarter a year ago, near the bottom of its range since 2018.
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 still generates free cash flow, though less than at its 2022 peak: $22.8B over the past year.
UPC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2024 | -$9.7M | -$6M |
| Q1 2024 | -$2.5M | -151% |
| Q3 2023 | -$3.7M | +$3.7M |
| Q1 2023 | $4.8M | -21% |
| Q3 2022 | -$7.5M | -$5M |
| Q3 2021 | -$2.5M | -182% |
| Q3 2020 | $3M | -54% |
| Q1 2020 | $3M | -7.6% |
UPC's free cash flow was −$11M over the past year, against −$874,723 the year before.
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 UPC 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.
UPC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +35 shares |
| 1 year | +0.6% | +35 shares |
UPC has 6,077 diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2020 | — |
| Q1 2020 | — |
| Q3 2019 | — |
| Q1 2019 | — |
| Q3 2018 | — |
| Q1 2018 | — |
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.
UPC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2021 | -0.3x | Net Cash |
UPC has more cash than debt.
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).
UPC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 35.5 | Neutral |
| Stochastic | 1.6 | Oversold |
UPC's weekly RSI is 36 (neutral) and its Stochastic is 2 (oversold).
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.
UPC PE vs Healthcare Sector
| Metric | UPC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
UPC has no meaningful PE right now: it lost money over the past year.
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 UPC on trend strength, trading above more of its moving averages.
UPC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.26 | 53% below |
| 20 week MA | $4.17 | 63% below |
| 50 week MA | $3.71 | 59% below |
| 100 week MA | $5.34 | 71% below |
| 200 week MA | $665.0 | 100% below |
UPC is in a downtrend: it's below all five of its weekly moving averages, and 100% below its 200-week average.
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 UPC on returns for 2026, with the stronger performance.
UPC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $14,616.0 | $5,940.0 | -59% |
| 2022 | $5,940.0 | $5,796.0 | -2.4% |
| 2023 | $5,796.0 | $1,206.0 | -79% |
| 2024 | $1,206.0 | $24.9 | -98% |
| 2025 | $24.9 | $5.62 | -77% |
| 2026 YTD | $5.62 | $1.53 | -73% |
UPC has finished every year since 2021 lower, and it's down 73% so far in 2026.