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Down 21% over three years while the S&P 500 rose 80%; up 27% in the past year.
| The company | A $15.9B profit |
| Latest filing | 8-K, Nov 9 |
TodayWith its group.
UnitedHealth Group Raises 2026 Profit Outlook After Third-Quarter Earnings Beat
UNH closed −0.2% that day on 2.7x normal volume.
Mon Dec 7: Ex-dividend, $2.32 a shareAt the open. Pays Dec 15.
After its last 4 reports it closed -2.9% on average, higher 2 of 4 times.
Averagefor quality, not price, 4 of 14 chart checks firingWhat the Quality Score means
UNH is #8 of 10 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 8 |
Net income over four quarters: UNH $15.9B, CI $5.99B, ELV $5.14B, CNC $1.46B.
Expected to report Tue Jan 12, before the open (in 63 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
Sales of $112.7B; a profit of $4.56 a share.
“Third quarter 2026 earnings from operations of $6.6 billion compared to $4.3 billion in the year ago quarter, driven by disciplined execution across both UnitedHealthcare and Optum.”
| Line | Q3 2026 | Q2 2026 | Q3 2025 |
|---|---|---|---|
| Product | $14B | $14B | $13B |
Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 3)
| Measure | Figure |
|---|---|
| Adjusted net earnings per share | at least $20.50 per share |
“The year-over-year decrease was driven by medical cost management initiatives, benefit design changes and pricing discipline, as well as care delivery enhancements focused on affordability and integrated value-based care.”
From its results filing (SEC filing · Oct 13)
Sales grew 12% a year over 5 years, fiscal 2020 to 2025.
Pays $9.28 a share a year.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 13, 2026 | +5.0% | -0.2% | +7.5% |
| Jul 16, 2026 | +7.4% | +1.2% | +3.1% |
| Apr 21, 2026 | +9.1% | +7.0% | +9.7% |
Sales grew every year from 2018 to 2025, to $448B. It made a profit in each of the eight years.
RSI 53.8, MACD below signal, above both averages. Not scored.
Its dividends come to 37% of its free cash flow.
| Dividend | $9.28 a share a year |
| Paid out | About $8.4B a year |
| Free cash flow | $23B |
| Record | Raised every year since 2009 |
One insider sold $661K across 2 filings in the last 6 months. No open-market buys on record. The newest:
23 trades disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: UNH is 3.8% of SCHD, 1.6% of DGRO, and 1.5% of VIG, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jul 31 to Aug 31, 2026.
UnitedHealth Group is one of the largest private health insurers and provides medical benefits to about 51 million members globally, including 1 million outside the US as of December 2025. As a leader in employer-sponsored, self-directed, and government-backed insurance plans, UnitedHealth has obtained massive scale in medical insurance. Along with its insurance assets, UnitedHealth's Optum franchises help create a healthcare services colossus that spans everything from pharmaceutical benefits to providing outpatient care and analytics to affiliates and third parties.
“As a diversified health care company, we operate in highly competitive markets across the full expanse of health care benefits and services.”
UNH scores 8 today, which Breakaway calls Average. It is #8 of 10 in Hospital & Medical Service Plans by Quality Score, with 4 of 14 chart checks firing. Down 21% over three years while the S&P 500 rose 80%; up 27% in the past year. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
UNH scores 8 today, which Breakaway calls Average (6 to 10). That is #8 of 10 in Hospital & Medical Service Plans by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind UNH's 8.
One insider sold $661K across 2 filings in the last 6 months. No open-market buys on record. The newest is Patrick Hugh Conway, Chief Executive Officer, Optum, who sold $456K on Aug 21. Every filing, with the scored weight, for Pro members.
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Insider and Congress trades, the chart, and the financials, in one score.
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