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NYSE:UNH

UnitedHealth Group Inc (UNH)

411.04
+2.52 (0.62%)
as of Jun 15, 2026, 8:00:00 pm Market Open.
287 watching
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Investor Insights
star iconJun 14, 2026, 12:00 am

This summary was created by AI, based on 43 opinions in the last 12 months.

UnitedHealth Group Inc (UNH-N) has faced considerable challenges over the past year, reflected in its declining stock price and regulatory scrutiny. Experts note that while the company is fundamentally strong with significant vertical integration in the U.S. healthcare system, it has been impacted by rising medical costs, regulatory pressures, and changes in Medicare reimbursement rates. The new CEO’s leadership is viewed as a positive factor that could guide the company through its current difficulties, but many analysts express caution due to the speculative nature of recent issues and the stock's volatility. Some believe the downturn creates buying opportunities, suggesting that long-term growth may be achievable if operational concerns are resolved. Overall, the sentiment is mixed, with a few experts optimistic about potential recovery while others advise caution until more clarity emerges.

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Consensus
Cautious
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Valuation
Undervalued
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HOLD
An 800-pound gorilla. He'll continue to own it. Controlled costs by putting risk and responsibility on the actual providers of the healthcare services. Incentivizing to control costs at the local level. Short term, you may see costs spike due to pandemic-delayed visits. Medium-long term, you'll be fine.
BUY
It hit a new high today and he's long. It's reasonably valued. He targets at least $550.
HOLD
Likes it. EBV +6, means the stock price is pounding away. Stock could easily go to $650. Model price of $385.81, so it's too expensive by 22%. But any correction back to around $387, he'd buy.
SELL
Very good company, but not as good a stock because of valuation. He owns ANTM instead, trading about 6 multiple points less than UNH, with equally good growth metrics. Higher multiple stocks are selling off. Neither has supply chain issues.
TOP PICK
Clouds of macro risk. This one has consistently had visibility into its business. The most vertically integrated managed care company. Best in class GARP in healthcare. Administer a lot of Medicare and Medicaid. Bipartisan support for a lot of their programs. A consistent performer. Yield is 1.17%. (Analysts’ price target is $530.93)
BUY
Got hurt by Humana's bad report number, but UNH didn't suffer Medicare-related problems like Humana. Rather, UNH reported insanely strong numbers. It's a buying opportunity now. Sees strong upside.
PAST TOP PICK
(A Top Pick Sep 28/20, Up 63%) It continues to do well. It's an insurer, but passed on the actual costs to their health suppliers, as they collect the premiums and maintain fixed costs. This business model has been working well. Is it ethical? One could argue it is, but it's worked for UHN.
DON'T BUY
In the space, he owns ANTM instead, which is half the size. Both have HMOs and PBMs. ANTM is cheaper, and it has as good, if not better, future prospects. 5-year chart shows them running neck-and-neck. Medicare for all is a long way out, given the huge US debt.
BUY
Don't fear a shutdown, but a slowdown due to the new Omicron variant. Best among the health insurers. He also likes Centene. If you can, buy a fractional share, if the price is too high.
DON'T BUY
UNH vs. ANTM He owns ANTM instead, with a valuation of 6-8 multiple points less expensive than UNH. ANTM is well managed, growth rates are very good, and medical cost ratios are inline.
BUY

Allan Tong’s Discover Picks UNH it trades at 28.1x PE, which is slightly higher than its peers's average of 26.5x. Return on assets is higher, though, at 7.43% vs. 6.47% as is ROE at 21.88% vs. 18.86%. UNH stock's 1.36% may seem small, but it is in line with its peers and safe at a 34% payout ratio. The street loves this name at 14 buys and two holds, but sees only 7.5% upside from here. This isn't a trade a stock, but a long-term hold that you build on dips over time. It's enjoyed a 35% move in the past 12 months and has sharply climbed since Feb. 15. It's time for this to take a breather, which is the investor's cue to enter with a stock buying opportunity. Read Buying the Dip – A Stock Buying Opportunity for our full analysis.

BUY ON WEAKNESS
Great name to own, stable, consistent grower. You can try to build a position on a pullback. Nice long-term hold.
BUY
They report Thursday. Healthcare so far is avoiding Biden's anti-trust efforts. The stock is over $400, but it's still viable. He foolishly sold his shares earlier.
TOP PICK
No other US company comes close to their scale and size. Mix of services produces steady and reliable sales. Great technical chart for 10 years. Beat expectation last quarter. Expects earnings growth to top 14% over the next few years. Dividend will continue to grow. Yield is 1.45%. (Analysts’ price target is $441.36)
PAST TOP PICK
(A Top Pick Jan 17/20, Up 14%) An easy hold. Great visibility. Managed care. Commercial health insurance, plus one of the key administrators of Medicare and Medicaid. Enjoys bipartisan support. Underlying businesses are doing great.
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