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.
XBIT
XBiotech Inc.
There isn't enough reported data to score XBIT 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.
XBIT Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Weak | |
| Unavailable | |
| Unavailable |
XBIT's revenue and profitability are currently weak. There isn't enough data to rate its cash flow and balance sheet.
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.
XBIT PE Valuation
XBIT 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 |
UNH has the edge over XBIT on the outlook, with more favorable earnings and profitability expectations.
XBIT Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect XBIT's earnings, revenue and profitability to hold roughly steady.
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 XBIT on earnings quality, reporting a profit while its opponent remains loss making.
XBIT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.12 | — |
| Q3 2026 | -$1.42 | -$0.46 |
| Q2 2026 | -$1.47 | -$0.55 |
| Q1 2026 | -$1.31 | -$0.02 |
| Q4 2025 | -$1.49 | -$0.23 |
| Q3 2025 | -$0.96 | +$0.11 |
| Q2 2025 | -$0.92 | +$0.23 |
| Q1 2025 | -$1.29 | -$0.28 |
| Q4 2024 | -$1.26 | -$0.45 |
XBIT lost $1.42 per share over the past year, a bigger loss than 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 has the stronger quarterly revenue trend. Revenue is down 0.4% for UNH versus down 100% for XBIT.
| 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.
XBIT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2022 | $300K | -93% |
| Q3 2022 | $1.7M | -63% |
| Q2 2022 | $1.5M | -66% |
| Q1 2022 | $500K | -90% |
| Q4 2021 | $4.5M | -15% |
| Q3 2021 | $4.5M | -57% |
| Q2 2021 | $4.5M | -71% |
| Q1 2021 | $4.9M | -62% |
XBIT's revenue has slid since its 2020 peak: $0 last quarter, down 100% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2022 | -2721% | -2561 points |
| Q3 2022 | -380% | -298 points |
| Q2 2022 | -790% | -556 points |
| Q1 2022 | -1569% | -1496 points |
| Q4 2021 | -160% | -66 points |
| Q3 2021 | -83% | -38 points |
| Q2 2021 | -234% | -192 points |
| Q1 2021 | -73% | -56 points |
XBIT's operating margin was −2721% last quarter, down 2561 points from the same quarter a year ago, near the bottom of its range since 2020.
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 XBIT on cash generation, producing positive trailing cash flow while its opponent burns cash.
XBIT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$4.5M | -$164K |
| Q2 2026 | -$4.5M | +$1.5M |
| Q1 2026 | -$9M | -$2.2M |
| Q4 2025 | -$23M | -$16.4M |
| Q3 2025 | -$4.4M | +$1.8M |
| Q2 2025 | -$6M | +$6M |
| Q1 2025 | -$6.8M | +$643K |
| Q4 2024 | -$6.6M | -$3.1M |
XBIT has burned cash in almost every quarter: −$41M over the past year, against −$24M 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 XBIT 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.
XBIT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | +0.2% | +51.1K shares |
| 5 years | +0.5% | +146K shares |
| Available history | -16% | -5.7M shares |
XBIT has 30M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
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.
XBIT Net Leverage
XBIT's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
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).
XBIT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.5 | Neutral |
| Stochastic | 16.4 | Oversold |
XBIT's weekly RSI is 34 (neutral) and its Stochastic is 16 (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.
XBIT PE vs Healthcare Sector
| Metric | XBIT | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
XBIT 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 XBIT on trend strength, trading above more of its moving averages.
XBIT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $2.05 | 4.4% below |
| 20 week MA | $2.17 | 9.7% below |
| 50 week MA | $2.32 | 16% below |
| 100 week MA | $2.69 | 27% below |
| 200 week MA | $4.12 | 52% below |
XBIT is in a downtrend: it's below all five of its weekly moving averages, and 52% 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 XBIT on returns for 2026, with the stronger performance.
XBIT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.2 | $16.7 | -13% |
| 2021 | $16.7 | $11.3 | -32% |
| 2022 | $11.3 | $3.08 | -73% |
| 2023 | $3.08 | $4.00 | +30% |
| 2024 | $4.00 | $3.80 | -5% |
| 2025 | $3.80 | $2.47 | -35% |
| 2026 YTD | $2.47 | $1.96 | -21% |
XBIT has finished lower in five of the last six years. It's down 21% so far in 2026.