What Is UnitedHealth Group Incorporated (UNH) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, UnitedHealth Group Incorporated's intrinsic value is estimated at $433.67, presenting a divided outlook at the current price of $429.23. With an average implied return of +1.0% across a split 4–5 (bull–bear) consensus, the model spread of +143.1% underscores analytical uncertainty. Notably, First Chicago sees the most upside at +80.9% (fair value: $776.46), while EROIC is the most conservative at -62.2% ($162.27). The spread between these extremes — +143.1% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.
What Do the Models Say About UNH?
12 of 13 models are currently active for UNH. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates UNH's intrinsic value at $543.94, implying +26.7% upside from the current price. See which stocks rank higher →
How Does UNH Rank in Hospital & Medical Service Plans?
Among 9 Hospital & Medical Service Plans stocks, UNH ranks #7 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.
UnitedHealth Group Incorporated operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is UNH a Value Trap?
CirclFi's Value Trap algorithm assigns UNH a score of 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for UnitedHealth Group Incorporated. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, UnitedHealth Group Incorporated's fundamental quality profile registers 7.8/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +143.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every UNH valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across UNH's 12 active models, average confidence is 51%. Moderate confidence indicates reasonable fit.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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