UNH Stock Analysis: Buy, Sell, or Hold?
UNH - UNITEDHEALTH GROUP INCORPORATED (Delaware)
$398.76
8.65 (2.22%)
▲
5d:
+0.79%
30d:
-5.22%
90d:
+2.65%
BUY
HIGH Confidence
Analysis Updated: Aug 24, 2026 12:00 AM ET
Earnings: Oct 27, 2026
Smart Money Accumulation
Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →
Signal fired Aug 7, 2026 at $407.08 · last confirmed Aug 21, 2026
Strength: 8.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: UNH shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
✅ BUY SIGNAL: UNH shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$588.38
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$365.34
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 17.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNH is currently trading at $398.76, which is considered slightly low relative to its 30-day fair value range of $397.27 to $424.29. The stock's valuation (Forward PE: 17.8) is in line with its historical norms (17.4). At these levels, the market is pricing in 0.7% 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. Immediate support is located at $383.83, while resistance sits at $410.90.
Market Sentiment: UNH scores 75/100 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 $475.23 (+19.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UNH is in a strong uptrend. Immediate support is located at $383.83, while resistance sits at $410.90.
Market Sentiment: UNH scores 75/100 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 $475.23 (+19.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$397.27 -
$424.29
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($475.23)
- NEUTRAL: Market pricing in 0.7% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 75/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$397.27 -
$424.29
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$383.83
Resistance Level
$410.90
Current Trend
Strong Uptrend
Technical data as of
Aug 24, 2026
Fundamental Context
Forward P/E (Next Year Est.)
17.77
Wall Street Target
$475.23
(+19.2%)
Revenue Growth (YoY)
0.4%
Earnings Growth (YoY)
61.5%
Profit Margin
3.1%
Valuation Premium vs History
+0.7% premium
PE vs Historical
17.8 vs 17.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.7%
(market-implied from PE analysis)
1-Year Target
$401.55
(+1%)
2-Year Target
$404.36
(+1%)
3-Year Target
$407.19
(+2%)
3-Yr Target (if PE normalizes)
(PE: 18→17)
PE COMPRESSION
$398.63
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 13.2%)
$653.20
(+64%)
Base:
(SPY PE: 17.8, Growth: 13.2%)
$579.04
(+45%)
Bear:
(PE: 15.1, Growth: 13.2%)
$492.18
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (25x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 25.06 | Current EPS (TTM): $15.57
Bull Case
$618.34
(+55%)
Analyst growth 44.1%, PE expands to 27.6
Base Case
$562.12
(+41%)
Market implied 44.1%, PE stable at 25.1
Bear Case
$265.27
(-34%)
Severe decline -20.0%, PE contracts to 21.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 24, 2026 11:56 PM ET
Data refreshes hourly during market hours. Next update: 12:56 AM
Data refreshes hourly during market hours. Next update: 12:56 AM
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Technical Signals Check
Is UNH showing a specific setup today?
Insider Activity (6 Months)
4
Buys
1
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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Advanced UNH Option Strategies
Professional options setups generated by AI based on today's UNH price and gamma walls.
