US STOCKS · SEC COMPANY PROFILE
UnitedHealth Group
UNITEDHEALTH GROUP INC · NYSE
UnitedHealth Group operates health insurance through UnitedHealthcare and healthcare services through Optum.
Visit UnitedHealth Group’s official websiteReported revenue spread evenly through elapsed UTC time. Refresh does not restart it; it resets at midnight UTC.
For every $100 of reported revenue
2026-01-01–2026-09-30 · ratios from the same reported period
Profit includes accounting items that may not involve cash today. Operating cash flow measures cash from operations; capital spending covers the reported investment measure. These ratios help compare scale, but industry, seasonality and one-time items still matter. They are not a breakdown that adds to $100.
Business lines & intercompany deductions
Premium revenue differs from product and service revenue. Business-line revenue includes transactions between subsidiaries; Optum and corporate eliminations reconcile the displayed groups to consolidated revenue. Prior Optum Health and Optum Insight comparisons were recast for the realignment of Optum Financial. Net income here is attributable to common shareholders. The September balance sheet groups cash with short-term investments; cash alone comes from the cash-flow table. Liabilities are the sum of current liabilities, long-term debt and other long-term liabilities, excluding equity and redeemable noncontrolling interests. Common shares outstanding retain their separately dated June filing; diluted weighted-average shares are not substituted. Segment shares are calculated from consolidated revenue for the same period.
UNH stock price
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WORLD NUMBERS ASSESSMENTCompany Health Score
Expand for the score breakdown and outlookMixed overall healthCash, growth, profits and investment · review the assumptions below6/10View details
Company Health Score
Expand for the score breakdown and outlookMixed overall health
Our assessment of the reported financial position and the company-specific outlook.
Higher means stronger overall financial health under this model. This is World Numbers’ subjective assessment, not an official rating or a prediction of the stock price. It does not establish that shares are good value.
$25.85B cash and equivalents against $207.24B total liabilities. This excludes marketable investments.
-0.4% change in latest-quarter revenue from the comparable year-earlier quarter.
4.7% net margin for the reported 273-day period. One-time gains or charges can affect this measure.
$22.67B operating cash flow after cash capital spending for the same reported period. This is a calculation, not all investing or financing activity.
The October 13 earnings release raises full-year 2026 GAAP diluted EPS guidance to at least $19.50 (adjusted EPS at least $20.50). Medical costs, reimbursement, enrollment and Optum execution remain important risks. Guidance is a company forecast, not a guarantee; the revenue counter continues to use reported historical pace.
Looking ahead
The October 13 earnings release raises full-year 2026 GAAP diluted EPS guidance to at least $19.50 (adjusted EPS at least $20.50). Medical costs, reimbursement, enrollment and Optum execution remain important risks. Guidance is a company forecast, not a guarantee; the revenue counter continues to use reported historical pace. This is a speculative editorial interpretation of the filing’s business and risk discussion, not quantified issuer guidance.
How we arrived at the score
Cash scores use cash ÷ liabilities: at least 0.5 scores 9, 0.25 scores 8, 0.1 scores 6; otherwise 4. Revenue growth scores: at least 30% scores 9, 10% scores 8, non-negative scores 6; otherwise 3. Net margin scores: at least 20% scores 9, 10% scores 8, non-negative scores 6; otherwise 3. Cash after investment ÷ revenue scores: at least 15% scores 9, 5% scores 8, non-negative scores 6; otherwise 3. Future outlook is an editorial score. The weighted result is 5.65, rounded to 6. These thresholds and weights are judgment choices, not statistically validated probabilities. The assessment uses data through 2026-09-30; it does not update each second.
Net income
Latest quarter: $4.11B net income · 3.6% net margin
Q1 2027 at this pace: $5,233,186,813Reported total ÷ 273 days × elapsed UTC time. Refresh does not restart this estimate; it resets at midnight UTC.Operating cash flow
Reported cash flow from operations
Q1 2027 at this pace: $8,270,439,560Reported total ÷ 273 days × elapsed UTC time. Refresh does not restart this estimate; it resets at midnight UTC.Capital spending
Cash purchases of property, equipment and capitalized software; acquisitions and other investing activity are separate.
Q1 2027 at this pace: $798,131,868Reported total ÷ 273 days × elapsed UTC time. Refresh does not restart this estimate; it resets at midnight UTC.Current leadership
Stephen Hemsley
Chief executive officer
Leadership is checked separately from annual compensation. The historical pay table below may cover different roles or former executives.
Leadership check and financial reporting dates are separate. Annual total compensation is updated when a new compensation disclosure is published; quarterly earnings do not necessarily include it.
Reported executive pay
Three executives from the dated compensation disclosure. Names, roles and pay below describe that disclosure and do not establish who leads the company today.
Why use this pay period? The latest reviewed proxy reports fiscal 2025 compensation. Its publication date is different from the period being paid. The annual counters illustrate that historical pay across the current calendar year; they are not current payroll.
Stephen Hemsley
Historical disclosure: CEO since May 2025
- Salary reported · 2025
- $596,154
- Total pay reported · 2025
- $60,938,062
- Shares held or eligible to buy
- 1,335,742
- Current value of reported shares
- Not calculated The chart’s quote is provided separately. We do not multiply historical ownership by an unverified price or treat conditional awards as cash.
Total includes grant-date stock or option accounting values, incentives, benefits and pension adjustments where reported; it is not all cash received. Large equity grants or retention awards can make this annual accounting total unusually high; vesting and performance conditions still apply.
Wayne DeVeydt
Historical disclosure: CFO since September 2025
- Salary reported · 2025
- $284,615
- Total pay reported · 2025
- $14,582,684
- Shares held or eligible to buy
- 19,667
- Current value of reported shares
- Not calculated The chart’s quote is provided separately. We do not multiply historical ownership by an unverified price or treat conditional awards as cash.
Total includes grant-date stock or option accounting values, incentives, benefits and pension adjustments where reported; it is not all cash received. Large equity grants or retention awards can make this annual accounting total unusually high; vesting and performance conditions still apply.
Timothy Noel
Historical disclosure: UnitedHealthcare CEO
- Salary reported · 2025
- $981,827
- Total pay reported · 2025
- $20,201,746
- Shares held or eligible to buy
- 17,575
- Current value of reported shares
- Not calculated The chart’s quote is provided separately. We do not multiply historical ownership by an unverified price or treat conditional awards as cash.
Total includes grant-date stock or option accounting values, incentives, benefits and pension adjustments where reported; it is not all cash received. Large equity grants or retention awards can make this annual accounting total unusually high; vesting and performance conditions still apply.
Total compensation can include grant-date accounting values of stock or options and benefits. It is not necessarily cash received. Ownership date: 2026-04-02. Beneficial ownership is a dated proxy snapshot and can include options or awards eligible within the disclosed window; it is not a live count or all currently tradable stock. Counts use the shares column and exclude separately reported deferred stock units.
Employees
Annual workforce and proxy pay populations can differ. Median compensation is the middle disclosed employee, not average salary. The ratio here uses the first displayed executive’s compensation table total, which can differ from the issuer’s official ratio. Workforce count is a lower bound; Hemsley’s reported pay covers a partial CEO year and includes a one-time option grant. Employee counts are reported snapshots and do not tick. Companies use different employee populations and pay-ratio methods, so comparisons need care.
Revenue & net income
Revenue appears in blue above net income in pink. Net margin is net income divided by revenue. These are reported results, not estimates.
2025-09-30
2026-09-30
What changed?
$112.69B versus $113.16B in the comparable quarter a year earlier. The dollar change was -$467M.
$4.11B net income versus $2.35B a year earlier. Net income includes expenses and other gains or charges; it is not a measure of cash in the bank.
Premium revenue differs from product and service revenue. Business-line revenue includes transactions between subsidiaries; Optum and corporate eliminations reconcile the displayed groups to consolidated revenue. Prior Optum Health and Optum Insight comparisons were recast for the realignment of Optum Financial. Net income here is attributable to common shareholders. The September balance sheet groups cash with short-term investments; cash alone comes from the cash-flow table. Liabilities are the sum of current liabilities, long-term debt and other long-term liabilities, excluding equity and redeemable noncontrolling interests. Common shares outstanding retain their separately dated June filing; diluted weighted-average shares are not substituted. For the 273-day cash-flow period, operating cash flow less cash capital spending was $22.67B.
Watch next quarter
The October 13 earnings release raises full-year 2026 GAAP diluted EPS guidance to at least $19.50 (adjusted EPS at least $20.50). Medical costs, reimbursement, enrollment and Optum execution remain important risks. Guidance is a company forecast, not a guarantee; the revenue counter continues to use reported historical pace. Next earnings date: consult the company’s confirmed announcements; no unverified calendar date is displayed.
What was reported at 2026-09-30
Balances update when a new filing is verified. Investment categories differ; only the labeled short-term category is displayed.
Valuation, returns & earnings
Capital returns & voting rights
Dividend and repurchase payments are historical cash flows, not future commitments or dividend yield.
Beneficial ownership is a dated proxy snapshot and can include options or awards eligible within the disclosed window; it is not a live count or all currently tradable stock. Counts use the shares column and exclude separately reported deferred stock units. Reported executive ownership is dated 2026-04-02; balances and market values are different measures.
UnitedHealth Group financial questions, explained
How much revenue does UnitedHealth Group generate per day and per second?
The reviewed SEC 8-K earnings exhibit reports $336,447,000,000 from 2026-01-01 through 2026-09-30, covering 273 days. That gives $1,232,406,593 per day and $14,264 per second. The counter illustrates historical pace, not live sales or guidance.
Read the SEC sourceWhat were UnitedHealth Group’s latest quarterly revenue and earnings?
For the quarter ended September 30, 2026, revenue was $112,694,000,000 and net earnings attributable to common shareholders were $4,110,000,000, a 3.65% margin. The comparable 2025 quarter reported $113,161,000,000 revenue and $2,348,000,000 net earnings. These are unaudited GAAP results from the SEC earnings exhibit.
Read the SEC sourceWhere does UnitedHealth Group’s reported revenue come from?
For the nine months ended September 30, 2026: UnitedHealthcare $258.612B; Optum Health $70.491B; Optum Insight $16.001B; Optum Rx $113.955B. Optum eliminations of $4.152B and corporate eliminations of $118.460B reconcile the gross business amounts to $336.447B consolidated revenue. Prior Optum Health and Insight comparisons were recast for the realignment of Optum Financial.
Read the SEC sourceHow much compensation did Stephen Hemsley report at UnitedHealth Group?
The latest reviewed proxy reports $596,154 salary and $60,938,062 total compensation for fiscal 2025. CEO since May 2025. Total includes grant-date stock or option accounting values, incentives, benefits and pension adjustments where reported; it is not all cash received. Large equity grants or retention awards can make this annual accounting total unusually high; vesting and performance conditions still apply. The annual-pay counter is an illustration spread through the current calendar year, not evidence of cash being paid every second.
Read the SEC sourceHow many employees does UnitedHealth Group report, and what is median pay?
The annual filing reports 390,000 employees as of 2025-12-31. The proxy reports median total employee compensation of $81,474 for Fiscal 2025. Median means the middle employee in the disclosed population, not an average base salary. Annual workforce and proxy pay populations can differ. Median compensation is the middle disclosed employee, not average salary. The ratio here uses the first displayed executive’s compensation table total, which can differ from the issuer’s official ratio. Workforce count is a lower bound; Hemsley’s reported pay covers a partial CEO year and includes a one-time option grant.
Read the SEC sourceDoes UnitedHealth Group’s operating cash flow cover reported capital spending?
For the 273-day period, operating cash flow was $25.087B and purchases of property, equipment and capitalized software were $2.421B. Subtracting spending gives $22.666B. This excludes acquisitions and other investing or financing activity.
Read the SEC sourceDoes UnitedHealth Group pay a cash dividend?
The reviewed nine-month period shows $6.170B cash dividends paid and $5.031B common-share repurchase payments. Historical payments are not dividend yield or future commitments.
Read the SEC sourceWhat should investors watch in UnitedHealth Group’s next report?
The October 13 earnings release raises full-year 2026 GAAP diluted EPS guidance to at least $19.50 (adjusted EPS at least $20.50). Medical costs, reimbursement, enrollment and Optum execution remain important risks. Guidance is a company forecast, not a guarantee; the revenue counter continues to use reported historical pace.
Read the SEC sourceReporting period: 2026-01-01–2026-09-30 · filed 2026-10-13 · last completed verification 2026-10-13 · page updated 2026-10-26
How World Numbers calculates estimatesHow the estimates work
We divide each reported flow by its actual 273-day reporting period. The daily rate is spread evenly over elapsed UTC time and resets at midnight. Refreshing the page does not restart the counter. The next-calendar-quarter illustration holds that pace unchanged; it is not live sales or a company forecast. Annual executive pay is spread across the current calendar year, including leap-year day counts. Stock awards, balances, employees and shares are not current payroll or live counts. Company-specific limitations: Premium revenue differs from product and service revenue. Business-line revenue includes transactions between subsidiaries; Optum and corporate eliminations reconcile the displayed groups to consolidated revenue. Prior Optum Health and Optum Insight comparisons were recast for the realignment of Optum Financial. Net income here is attributable to common shareholders. The September balance sheet groups cash with short-term investments; cash alone comes from the cash-flow table. Liabilities are the sum of current liabilities, long-term debt and other long-term liabilities, excluding equity and redeemable noncontrolling interests. Common shares outstanding retain their separately dated June filing; diluted weighted-average shares are not substituted.