UNH
UnitedHealth Group Incorporated
UNH has the edge over YCBD overall, supported by lower modeled downside and stronger fundamentals.
YCBD
cbdMD, Inc.
YCBD's outlook is improving, though it still trails on the overall score.
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.
YCBD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Weak | |
| Weak | |
| Strong |
YCBD's revenue and balance sheet are currently healthy, but its profitability and cash flow are weak.
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.
YCBD PE Valuation
YCBD 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.
YCBD Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
YCBD has the edge over UNH on the outlook, with more favorable revenue expectations.
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 stronger earnings trend. Trailing diluted EPS is down 8.5% for UNH versus YCBD down 100%.
YCBD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2024 | -$71.92 | +$66.48 |
| Q1 2024 | -$80.00 | +$247.12 |
| Q4 2023 | -$83.12 | +$266.08 |
| Q3 2023 | -$106.56 | +$339.84 |
| Q2 2023 | -$138.40 | +$246.80 |
| Q1 2023 | -$327.12 | -$147.12 |
| Q4 2022 | -$349.20 | -$118.80 |
| Q3 2022 | -$446.40 | -$277.20 |
YCBD lost $0.40 per share over the past year, a smaller 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 edge over YCBD on sales, with more consistent year-over-year improvement.
| 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 has the edge over YCBD on profitability, with a higher operating margin.
YCBD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $5.6M | +21% |
| Q1 2026 | $5.6M | +19% |
| Q4 2025 | $5M | -1.9% |
| Q3 2025 | $4.7M | +3.6% |
| Q2 2025 | $4.6M | -11% |
| Q1 2025 | $4.7M | +8.5% |
| Q4 2024 | $5.1M | -4.9% |
| Q3 2024 | $4.6M | -20% |
YCBD's revenue is recovering but still below its 2020 peak: $6M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -20% | -0.7 points |
| Q1 2026 | -14% | -4 points |
| Q4 2025 | -5.7% | -4 points |
| Q3 2025 | -15% | -7.6 points |
| Q2 2025 | -20% | -12 points |
| Q1 2025 | -10% | +25 points |
| Q4 2024 | -1.7% | +18 points |
| Q3 2024 | -7% | +260 points |
YCBD's operating margin was −20% last quarter, down 0.7 points from the same quarter a year ago.
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 YCBD on cash generation, producing positive trailing cash flow while its opponent burns cash.
YCBD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$460.2K | +$245.5K |
| Q3 2025 | -$243.6K | -255% |
| Q2 2025 | -$705.7K | -344% |
| Q3 2024 | $157.4K | +$541.1K |
| Q2 2024 | $289.8K | +$632.7K |
| Q1 2024 | -$699.4K | +$931.8K |
| Q4 2023 | -$290.5K | +$2M |
| Q3 2023 | -$383.7K | +$1.8M |
YCBD has burned cash in most quarters: −$2M over the past year, against −$957,967 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 YCBD 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.
YCBD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.7% | +173K shares |
| 1 year | +1264% | +9.8M shares |
| 3 years | +6297% | +10.5M shares |
| 5 years | +10137% | +10.5M shares |
YCBD has 11M diluted shares, up 1264% from a year ago.
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.
YCBD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2020 | -0.4x | Net Cash |
| Q1 2020 | -1.6x | Net Cash |
YCBD 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).
YCBD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.9 | Neutral |
| Stochastic | 23.1 | Neutral |
YCBD's weekly RSI is 38 (neutral) and its Stochastic is 23 (neutral).
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.
YCBD PE vs Healthcare Sector
YCBD 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 YCBD on trend strength, trading above more of its moving averages.
YCBD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.40 | 2.5% below |
| 20 week MA | $0.49 | 20% below |
| 50 week MA | $0.73 | 47% below |
| 100 week MA | $1.23 | 68% below |
| 200 week MA | $9.57 | 96% below |
YCBD is in a downtrend: it's below all five of its weekly moving averages, and 96% 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 YCBD on returns for 2026, with the stronger performance.
YCBD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $932.4 | $1,123.2 | +20% |
| 2021 | $1,123.2 | $406.8 | -64% |
| 2022 | $406.8 | $90.0 | -78% |
| 2023 | $90.0 | $8.32 | -91% |
| 2024 | $8.32 | $3.02 | -64% |
| 2025 | $3.02 | $1.68 | -44% |
| 2026 YTD | $1.68 | $0.39 | -77% |
YCBD has finished five years in a row lower, and it's down 77% so far in 2026.