UNH Stock Analysis: Buy, Sell, or Hold?
UNH - UNITEDHEALTH GROUP INCORPORATED (Delaware)
$406.09
-0.59 (-0.15%)
▼
5d:
-1.2%
30d:
+6.17%
90d:
+50.66%
WAIT
LOW Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Jul 16, 2026
22d
Smart Money Distribution
None View Scanner →
Strength: 6.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: UNH shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: UNH shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$540.39
Based on 8.9% avg growth
INTRINSIC VALUE TODAY
$335.54
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 16.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNH is currently trading at $406.09, which is considered extended relative to its 30-day fair value range of $382.44 to $405.94. From a valuation perspective, the stock is trading at a premium (Forward PE: 19.4) compared to its historical average (16.9). At these levels, the market is pricing in 4.8% annual earnings growth. This is a high bar to clear, indicating the stock may be priced for perfection.
Technical Outlook: Technically, UNH is in a strong uptrend. The price is approaching resistance at $413.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UNH is in a strong uptrend. The price is approaching resistance at $413.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$382.44 -
$405.94
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
41.4%
Protect Your Profits
Holding UNH? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($409.77)
- BEARISH: Market expects 4.8% growth - appears too optimistic based on history
Trading Range Analysis
30-Day Trading Range
$382.44 -
$405.94
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$374.72
Resistance Level
$413.00
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
19.43
Wall Street Target
$409.77
(+0.8%)
Revenue Growth (YoY)
2.0%
Earnings Growth (YoY)
0.7%
Profit Margin
2.7%
Valuation Premium vs History
+4.8% premium
PE vs Historical
19.4 vs 16.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.8%
(market-implied from PE analysis)
1-Year Target
$426.20
(+5%)
2-Year Target
$446.66
(+10%)
3-Year Target
$468.10
(+15%)
3-Yr Target (if PE normalizes)
(PE: 19→17)
PE COMPRESSION
$407.15
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 13.8%)
$672.24
(+65%)
Base:
(SPY PE: 19.4, Growth: 13.8%)
$599.71
(+48%)
Bear:
(PE: 16.5, Growth: 13.8%)
$509.75
(+25%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (30x PE), but valuation improves significantly next year (19x PE) as earnings recover.
Trailing PE: 30.22 | Current EPS (TTM): $13.27
Bull Case
$695.67
(+71%)
Analyst growth 57.7%, PE expands to 33.2
Base Case
$632.43
(+56%)
Market implied 57.7%, PE stable at 30.2
Bear Case
$272.65
(-33%)
Severe decline -20.0%, PE contracts to 25.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 11:34 AM ET
Data refreshes hourly during market hours. Next update: 12:34 PM
Data refreshes hourly during market hours. Next update: 12:34 PM
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Technical Signals Check
Is UNH showing a specific setup today?
Insider Activity (6 Months)
7
Buys
6
Sells
+
Net
NEUTRAL
Recent Transactions
Ro Khanna
BUY
2026-03-23
Ro Khanna
SELL
2026-03-20
Richard McCormick
BUY
2026-03-19
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Professional options setups generated by AI based on today's UNH price and gamma walls.
