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UnitedHealth Group Inc. — Beer Score

UNH · US Equity · Healthcare — Health Insurance / Services
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Market Price (indicative) · Feb 10, 2026
Reference price only. Not an official exchange feed.
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/ 100
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Updated: Loading...·Model: DCF v1.0
Not investment advice · Model-based estimate
Estimated Value (Beer)
$345.00
--%
Est. Speculation Premium (Foam)
$0.00
--%
🍺 --% Est. Fundamental Value🫧 --% Est. Speculation
Track Score Alerts (Pro) See Model Assumptions ↓

Key Financials

TTM
Revenue$447.6B
Net Income$12.1B
Free Cash Flow$16.0B
P/E Ratio20x
EPS (TTM)$13.23
Market Cap$243B
Total Debt$64.8B
Cash & Equiv.$32.4B

DCF Valuation

Model Estimate
$345
Est. intrinsic value (DCF model)
vs market price
↓
Calculating price premium...
WACC9.5%
Growth Rate (5yr)8%
Terminal Growth3%
Margin of Safety--

Model output varies with assumptions (WACC, growth, margins). This is not a price target or investment recommendation.

Score History — 90 Days

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Zone Changes
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UnitedHealth Group Inc. Stock Valuation — Beer Score Breakdown

UnitedHealth Group Inc.'s Beer Score shows what percentage of the stock price is backed by current fundamentals according to our DCF model. The remaining percentage represents an estimated speculation or growth premium.

How Beer Score Is Calculated for UNH

We pull UnitedHealth Group Inc.'s latest SEC filings from EDGAR, run a DCF analysis using a 9.5% WACC and 8% revenue growth rate over 5 years with 3% terminal growth, then compare the resulting model estimate ($345) against the current market price. The Beer Score represents the ratio. Model output varies with assumptions. Learn more about our methodology →

DCF Model Notes

UnitedHealth Group is the largest private health insurer in the world, serving 51 million members. The Optum division generates substantial cash flow. The stock has declined approximately 50% over the past year due to the assassination of CEO Brian Thompson in December 2024, a DOJ antitrust investigation, and Change Healthcare cyberattack aftermath.

Important Information

Beer Score is an educational indicator, not investment advice. It measures the model-estimated gap between a stock's current market price and an estimated intrinsic value derived from public financial data. A low Beer Score does not mean "sell" and a high score does not mean "buy." Model output varies with assumptions (WACC, growth rate, terminal growth, margins).

Prices shown are indicative reference prices for educational purposes only and are not sourced from an official exchange feed. Data sources include SEC EDGAR filings, indicative market price data, and proprietary DCF models. Scores update daily after market close. For the full ranking of all stocks, visit the Beer Score Heatmap or read Today's Foam Report.

Track UnitedHealth Group Inc.'s Beer Score Over Time

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About This Valuation

Why does UnitedHealth Group Inc. have a Beer Score of 100?
UnitedHealth Group Inc. (UNH) scores 100 because the stock is currently trading approximately 18% below its estimated intrinsic value of $345. With $16.0B in annual free cash flow and $447.6B in revenue, the company's fundamentals more than support the current market price of $293.19 per share. The Beer Score reflects that 100% of the price is backed by estimated fundamental value.
Is UNH overvalued or undervalued?
Based on our DCF model, UnitedHealth Group Inc. appears undervalued. The estimated intrinsic value of $345 compared to the current price of $293.19 suggests a meaningful margin of safety. This is a model-based estimate using 9.5% WACC and 8% projected growth — not a buy or sell recommendation. The actual fair value depends on assumptions that may change with new earnings data or market conditions.
What assumptions drive the $345 intrinsic value?
The DCF model uses a 9.5% weighted average cost of capital and projects 8% annual revenue growth over five years. Terminal growth is set at 3%. Starting from $16.0B in current free cash flow, these assumptions produce an estimated intrinsic value of $345 per share. The model is most sensitive to the growth rate and WACC inputs — small changes in either significantly alter the output.
What could change UnitedHealth Group Inc.'s Beer Score?
UnitedHealth scores 100 after a major selloff driven by the CEO tragedy, DOJ investigation, and CMS rate uncertainty. If these headwinds prove manageable, the stock's discount to intrinsic value is significant. However, regulatory risk from potential Medicare Advantage payment changes and increased scrutiny on prior authorization practices could permanently compress margins and growth expectations.

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