UNH Stock Analysis: Buy, Sell, or Hold?
UNH - UNITEDHEALTH GROUP INCORPORATED (Delaware)
$414.40
-7.07 (-1.68%)
▼
5d:
-1.51%
30d:
-2.85%
90d:
+11.85%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 27, 2026
Smart Money Distribution
None View Scanner →
Strength: 4.7/10
Get Alerted When UNH Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
✅ BUY SIGNAL: UNH shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: UNH shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$585.00
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$363.24
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 $414.40, which is considered oversold relative to its 30-day fair value range of $414.86 to $429.22. The stock's valuation (Forward PE: 18.5) is in line with its historical norms (17.3). At these levels, the market is pricing in 2.1% 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 strong uptrend. The price is currently testing key support at $411.29. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $475.23 (+14.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UNH is in a strong uptrend. The price is currently testing key support at $411.29. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $475.23 (+14.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$414.86 -
$429.22
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($475.23)
- NEUTRAL: Market pricing in 2.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$414.86 -
$429.22
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$411.29
Resistance Level
$437.00
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
18.47
Wall Street Target
$475.23
(+14.7%)
Revenue Growth (YoY)
0.4%
Earnings Growth (YoY)
61.5%
Profit Margin
3.1%
Valuation Premium vs History
+2.1% premium
PE vs Historical
18.5 vs 17.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.1%
(market-implied from PE analysis)
1-Year Target
$423.10
(+2%)
2-Year Target
$431.99
(+4%)
3-Year Target
$441.06
(+6%)
3-Yr Target (if PE normalizes)
(PE: 18→17)
PE COMPRESSION
$413.10
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 13.2%)
$675.37
(+63%)
Base:
(SPY PE: 18.5, Growth: 13.2%)
$601.77
(+45%)
Bear:
(PE: 15.7, Growth: 13.2%)
$511.50
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (32x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 31.64 | Current EPS (TTM): $13.32
Bull Case
$780.89
(+88%)
Analyst growth 68.4%, PE expands to 34.8
Base Case
$709.90
(+71%)
Market implied 68.4%, PE stable at 31.6
Bear Case
$286.60
(-31%)
Severe decline -20.0%, PE contracts to 26.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 5:50 PM ET
Data refreshes hourly during market hours. Next update: 6:50 PM
Data refreshes hourly during market hours. Next update: 6:50 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is UNH showing a specific setup today?
Insider Activity (6 Months)
6
Buys
4
Sells
+
Net
NEUTRAL
Recent Transactions
Ro Khanna
BUY
2026-03-23
Ro Khanna
SELL
2026-03-20
Richard McCormick
BUY
2026-03-19
Featured in Portfolios
UNH is a key holding in these high-performance investment strategies.
Top Rated Healthcare Plans Stocks
Top-rated stocks in Healthcare Plans by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
CVS
CVS Health Corp |
STRONG BUY
28 analysts |
$114 | 51 HOLD |
|
CI
Cigna Corp |
STRONG BUY
25 analysts |
$343 | 47 HOLD |
|
ELV
Elevance Health Inc |
STRONG BUY
22 analysts |
$449 | 55 HOLD |
|
HUM
Humana Inc |
HOLD
26 analysts |
$408 | 54 HOLD |
|
CNC
Centene Corp |
BUY
19 analysts |
$71 | 43 HOLD |
Advanced UNH Option Strategies
Professional options setups generated by AI based on today's UNH price and gamma walls.
