Sells health insurance and, through Optum, delivers care, pharmacy benefits and health services.
UnitedHealth Group (UNH) scores 5.6 out of 10 as of September 11, 2026, computed from its reported financial statements. That reads as solid quality. The reading rests on efficiency, and growth is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Insurance margins are structurally thin and heavily regulated, so profitability scored against a broad curve tells you less than the sector-relative reading. Predictability has been the pillar under genuine pressure, which is unusual for a business built on recurring premiums. Growth and efficiency describe how much of the company is now services rather than insurance.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading UnitedHealth Group scores 5.6 out of 10, which reads as solid quality. Its strongest pillar is efficiency, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
It was last recomputed on September 11, 2026. The score moves with the financial statements, i.e. quarterly, so this page changes when a new filing changes the answer rather than on a schedule. Live figures for UNH are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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