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.
ZCMD
Zhongchao Inc.
There isn't enough reported data to score ZCMD 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.
ZCMD Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Under pressure | |
| Unavailable | |
| Unavailable |
ZCMD's profitability is currently under pressure. There isn't enough data to rate its revenue, 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.
ZCMD PE Valuation
ZCMD 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.
ZCMD Forward outlook
There aren't enough analyst estimates for ZCMD 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 ZCMD in the latest year-over-year earnings comparison.
ZCMD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2024 | -$178.56 | +$6,300.19 |
| Q2 2024 | -$3,755.71 | +$604.13 |
| Q4 2023 | -$6,478.75 | -$4,797.31 |
| Q2 2023 | -$4,359.84 | -$3,904.65 |
| Q4 2022 | -$1,681.44 | -1301% |
| Q4 2021 | $140.01 | -95% |
| Q4 2020 | $2,723.04 | -2.1% |
ZCMD lost $178.56 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 ZCMD in the latest year-over-year revenue comparison.
| 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.
ZCMD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $5.8M | -23% |
| Q2 2025 | $5.6M | -33% |
| Q4 2024 | $7.5M | -17% |
| Q2 2024 | $8.3M | -20% |
| Q4 2023 | $9.1M | +32% |
| Q2 2023 | $10.4M | +42% |
| Q4 2022 | $6.9M | -11% |
| Q2 2022 | $7.3M | -15% |
ZCMD's revenue has slid since its 2020 peak: $6M last quarter, down 36% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -92% | -12 points |
| Q2 2025 | -16% | +42 points |
| Q4 2024 | -3.9% | +39 points |
| Q2 2024 | -0.6% | -5.8 points |
| Q4 2023 | -80% | -65 points |
| Q2 2023 | -58% | -70 points |
| Q4 2022 | -43% | -70 points |
| Q2 2022 | 5.2% | -24 points |
ZCMD's operating margin was −92% last quarter, down 12 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
ZCMD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2024 | -$3.2M | -399% |
| Q2 2024 | -$1.3M | +$579.7K |
| Q4 2023 | $1.1M | +$2.5M |
| Q2 2023 | -$1.9M | -$1M |
| Q4 2022 | -$1.5M | -210% |
| Q2 2022 | -$821.9K | -$561.4K |
| Q4 2021 | $1.3M | +$2.5M |
| Q4 2020 | -$1.2M | -1360% |
ZCMD has burned cash in most quarters: −$5M over the past year, against −$1M 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 ZCMD 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.
ZCMD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.3% | +22 shares |
| 1 year | +1.5% | +26 shares |
ZCMD has 1,772 diluted shares, up 1.5% 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.
ZCMD Net Leverage
ZCMD'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).
ZCMD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 23.0 | Oversold |
| Stochastic | 3.0 | Oversold |
ZCMD's weekly RSI is 23 (oversold) and its Stochastic is 3 (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.
ZCMD PE vs Healthcare Sector
| Metric | ZCMD | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
ZCMD 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 ZCMD on trend strength, trading above more of its moving averages.
ZCMD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.35 | 31% below |
| 20 week MA | $1.90 | 51% below |
| 50 week MA | $251.7 | 100% below |
| 100 week MA | $981.6 | 100% below |
| 200 week MA | $5,187.8 | 100% below |
ZCMD 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 ZCMD on returns for 2026, with the stronger performance.
ZCMD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $58,180.8 | $26,188.8 | -55% |
| 2021 | $26,188.8 | $27,081.6 | +3.4% |
| 2022 | $27,081.6 | $17,260.8 | -36% |
| 2023 | $17,260.8 | $5,224.4 | -70% |
| 2024 | $5,224.4 | $2,455.2 | -53% |
| 2025 | $2,455.2 | $757.4 | -69% |
| 2026 YTD | $757.4 | $0.93 | -100% |
ZCMD has finished four years in a row lower, and it's down 100% so far in 2026.