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.
ZJYL
Jin Medical International Ltd.
There isn't enough reported data to score ZJYL 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.
ZJYL Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| Unavailable | |
| Weak |
ZJYL's profitability is currently healthy, but its balance sheet 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.
ZJYL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $2.19 | -43% |
| Fair | 18x | $3.67 | -5.1% |
| Current | 21x | $3.87 | — |
| Expensive | 161x | $32.23 | +733% |
Historical ranges are pointers, not guarantees.
ZJYL has the edge over UNH in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
ZJYL Forward outlook
There aren't enough analyst estimates for ZJYL 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's earnings per share have fallen from their peak: $17.55 over the past year, against $23.89 in early 2025.
ZJYL Earnings Per Share
ZJYL and UNH do not have enough comparable growth data to identify a winner.
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 ZJYL 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.
ZJYL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2026 | $8.9M | -9.7% |
| Q3 2025 | $10.8M | -17% |
| Q1 2025 | $9.9M | -6.4% |
| Q3 2024 | $12.9M | +35% |
| Q1 2024 | $10.6M | +3% |
| Q3 2023 | $9.6M | -1.6% |
| Q1 2023 | $10.3M | +8.3% |
| Q3 2022 | $9.7M | -14% |
ZJYL's revenue is growing: $9M last quarter, down 16% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2026 | -7.2% | -19 points |
| Q3 2025 | 9.8% | -1.6 points |
| Q1 2025 | -4.6% | -22 points |
| Q3 2024 | 19% | +7.1 points |
| Q1 2024 | 12% | +0.9 points |
| Q3 2023 | 11% | +4.5 points |
| Q1 2023 | 17% | -2.3 points |
| Q3 2022 | 11% | -1.6 points |
ZJYL's operating margin was −7.2% last quarter, down 19 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.
ZJYL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q1 2026 | -$2.7M | -633% |
| Q3 2025 | -$4.2M | -$2.9M |
| Q1 2025 | $510.9K | +$544.6K |
| Q3 2024 | -$1.3M | -607% |
| Q1 2024 | -$33.7K | -101% |
| Q3 2023 | $260K | -84% |
| Q1 2023 | $2.7M | +$2.8M |
| Q3 2022 | $1.6M | -19% |
ZJYL's free cash flow was −$8M over the past year, against $5M 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 ZJYL 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.
ZJYL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +2 shares |
| 1 year | +0.1% | +7.3K shares |
| 3 years | -61% | -12.2M shares |
ZJYL has 8M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q1 2026 | — |
| Q3 2022 | — |
| Q1 2022 | — |
| Q3 2021 | — |
| Q1 2021 | — |
| Q3 2020 | — |
| Q1 2020 | — |
| Q3 2019 | — |
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.
ZJYL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | 13.4x | High |
| Q1 2025 | 2.1x | Moderate |
| Q3 2024 | 0.8x | Very low |
| Q1 2024 | 0.3x | Very low |
ZJYL's net debt is about 13 years of its operating earnings (EBITDA).
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).
ZJYL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.7 | Neutral |
| Stochastic | 61.8 | Neutral |
ZJYL's weekly RSI is 66 (neutral) and its Stochastic is 62 (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.
ZJYL PE vs Healthcare Sector
| Metric | ZJYL | Sector median | Relative |
|---|---|---|---|
| PE | 21x | 26x | 20% below |
| PE % | 55 | 39 | 16 pts above |
ZJYL has the edge over UNH on valuation relative to its sector.
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 stronger trend alignment. UNH is above 4 of 5 weekly averages versus ZJYL above 3 of 4.
ZJYL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $2.45 | 58% above |
| 20 week MA | $2.32 | 67% above |
| 50 week MA | $2.64 | 47% above |
| 100 week MA | $8.05 | 52% below |
ZJYL has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 52% below its 100-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 ZJYL on returns for 2026, with the stronger performance.
ZJYL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $7.45 | $248.1 | +3230% |
| 2024 | $248.1 | $21.0 | -92% |
| 2025 | $21.0 | $4.46 | -79% |
| 2026 YTD | $4.46 | $3.87 | -13% |
ZJYL's yearly returns have swung widely, from +3230% in 2023 to −92% in 2024. It's down 13% so far in 2026.