UNH
UNITEDHEALTH GROUP INCORPORATED (Delaware)
HOSPITAL & MEDICAL SERVICE PLANS
UNH Stock Analysis: Buy, Sell, or Hold?
$405.12
+7.50 (+1.89%)
â˛
5d:
+0.17%
30d:
+7.03%
90d:
-0.12%
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70/30 Portfolio Builder
Earnings: Oct 13, 2026
0d
Protect UNH Gains
Updated Nov 10, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (82%)
Quality Score
53/100
Position
FAIR
30-Day Fair Range
$382.61 â $413.98
Position: FAIR
Forward P/E & Valuation
17.4x
FAIR
vs 17.3x historical avg
Wall Street Target
$476.64
+17.7% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$388.00 / $416.19
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: UNH is fairly priced but lacks strong directional signals. At 0.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Smart Money Distribution
Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →
Signal fired Nov 10, 2026 at $400.61 · last confirmed Nov 10, 2026
Strength: 7.0/10
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$605.81
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$376.16
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 17.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNH is currently trading at $405.12, which is considered fair relative to its 30-day fair value range of $382.61 to $413.98. The stock's valuation (Forward PE: 17.4) is in line with its historical norms (17.3). At these levels, the market is pricing in 0.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UNH is in a downtrend. The price is approaching resistance at $416.19. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: UNH scores 60/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $476.64 (+17.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UNH is in a downtrend. The price is approaching resistance at $416.19. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: UNH scores 60/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $476.64 (+17.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$382.61 -
$413.98
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.9%
Trading Range & Key Levels
30-Day Trading Range
$382.61 -
$413.98
Current vs Trading Range
FAIR
Support Level
$388.00
Resistance Level
$416.19
Current Trend
Downtrend
Technical data as of
Nov 10, 2026
Protect Your Profits
Holding UNH? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($476.64)
- NEUTRAL: Market pricing in 0.1% annual earnings growth - fairly valued
- WARNING: Composite score 53/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
17.40
Wall Street Target
$476.64
(+17.7%)
Revenue Growth (YoY)
-0.4%
Earnings Growth (YoY)
76.1%
Profit Margin
3.5%
Valuation Premium vs History
+0.1% premium
PE vs Historical
17.4 vs 17.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.1%
(market-implied from PE analysis)
1-Year Target
$405.53
(+0%)
2-Year Target
$405.93
(+0%)
3-Year Target
$406.34
(+0%)
3-Yr Target (if PE normalizes)
(PE: 17â17)
PE COMPRESSION
$404.06
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 13.1%)
$668.82
(+65%)
Base:
(SPY PE: 17.4, Growth: 13.1%)
$585.89
(+45%)
Bear:
(PE: 14.8, Growth: 13.1%)
$498.01
(+23%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (23x PE), but valuation improves significantly next year (17x PE) as earnings recover.
Trailing PE: 22.70 | Current EPS (TTM): $17.52
Bull Case
$581.33
(+44%)
Analyst growth 32.9%, PE expands to 25.0
Base Case
$528.48
(+31%)
Market implied 32.9%, PE stable at 22.7
Bear Case
$270.38
(-33%)
Severe decline -20.0%, PE contracts to 19.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (UNH)
Bullish
6 Retail Mentions
Reddit / WSB Comments
3
Bullish
StockTwits Volume
3 msgs
24h retail stream
Last Tracked
Nov 11, 2026
Daily AI digest
AI Retail Discussion Summary:
Three companies, BWX Technologies, Johnson & Johnson, and UnitedHealth Group, raised their FY26 guidance following strong Q3 earnings. The positive trend reflects improving business conditions and management confidence.
Key Retail Themes:
Strong earnings reports
Raised guidance
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 8:24 AM ET
Data refreshes hourly during market hours. Next update: 9:24 AM
Data refreshes hourly during market hours. Next update: 9:24 AM
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Insider Activity (6 Months)
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NEUTRAL
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