Market Price

252.97 

-5.10 -2.0%

as of Dec 18 '18

52 Week Range:

208.48 287.94


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, OptumHealth, OptumInsight, and OptumRx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage, and health and well-being services to individuals age 50 and older, addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; and Medicaid plans, Children's Health Insurance Program, and health care programs; and health and dental benefits. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals through programs offered by employers, payers, government entities, and directly with the care delivery systems. The OptumInsight segment offers software and information products, advisory consulting arrangements, and services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery and specialty pharmacy, and purchasing and clinical, as well as develops programs in areas, such as step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was founded in 1974 and is based in Minnetonka, Minnesota.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 16.01
17.20
20.58
23.78
26.83
30.60
32.40
34.18
34.75
39.55
46.75
growth rate 7.4% 19.7% 15.6% 12.8% 14.1% 5.9% 5.5% 1.7% 13.8% 18.2%
Earnings BIT 7,310.00
4,620.00
5,810.00
7,380.00
7,960.00
8,620.00
8,920.00
10,274.00
11,021.00
12,930.00
15,209.00
growth rate -36.8% 25.8% 27.0% 7.9% 8.3% 3.5% 15.2% 7.3% 17.3% 17.6%
Avg.PE 17.01
11.09
9.40
8.81
10.72
10.27
13.70
19.20
18.61
21.50
20.94
growth rate -34.8% -15.2% -6.3% 21.7% -4.2% 33.4% 40.2% -3.1% 15.5% -2.6%
ROA 9.38
5.58
6.66
7.59
7.85
7.43
6.91
6.68
5.88
5.99
8.06
growth rate -40.5% 19.4% 14.0% 3.4% -5.4% -7.0% -3.3% -12.0% 1.9% 34.6%
ROE 22.77
14.58
17.22
18.75
19.00
18.58
17.76
17.40
17.54
19.46
24.54
growth rate -36.0% 18.1% 8.9% 1.3% -2.2% -4.4% -2.0% 0.8% 11.0% 26.1%
ROIC 16.85
10.48
12.24
13.32
13.39
13.14
12.53
12.09
10.82
11.16
15.23
growth rate -37.8% 16.8% 8.8% 0.5% -1.9% -4.6% -3.5% -10.5% 3.1% 36.5%
Cur. Ratio 0.84
0.76
0.82
0.78
0.85
0.78
0.73
0.77
0.74
0.69
0.73
growth rate -9.5% 7.9% -4.9% 9.0% -8.2% -6.4% 5.5% -3.9% -6.8% 5.8%
Quick Ratio 0.61
0.60
0.67
0.63
0.69
0.63
0.58
0.62
0.61
0.59
0.62
growth rate -1.6% 11.7% -6.0% 9.5% -8.7% -7.9% 6.9% -1.6% -3.3% 5.1%
Leverage 2.53
2.68
2.50
2.44
2.40
2.59
2.55
2.66
3.29
3.21
2.91
growth rate 5.9% -6.7% -2.4% -1.6% 7.9% -1.5% 4.3% 23.7% -2.4% -9.4%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 1,929.00
1,954.00
2,061.00
4,549.00
5,598.00
7,050.00
9,623.00
13,324.00
15,651.00
15,830.00
growth rate 1.3% 5.5% 120.7% 23.1% 25.9% 36.5% 38.5% 17.5% 1.1%
Acct.Payable 16,652.00
17,988.00
19,033.00
24,352.00
24,724.00
29,752.00
33,051.00
growth rate 8.0% 5.8% 28.0% 1.5% 20.3% 11.1%
Cur.Assets 14,990.00
18,200.00
18,393.00
20,350.00
21,052.00
20,380.00
20,594.00
28,641.00
30,774.00
33,983.00
growth rate 21.4% 1.1% 10.6% 3.5% -3.2% 1.1% 39.1% 7.5% 10.4%
Total Assets 55,815.00
59,045.00
63,063.00
67,889.00
80,885.00
81,882.00
86,382.00
111,254.00
122,810.00
139,058.00
growth rate 5.8% 6.8% 7.7% 19.1% 1.2% 5.5% 28.8% 10.4% 13.2%
Cash 7,426.00
9,800.00
9,123.00
9,429.00
8,406.00
7,276.00
7,495.00
10,923.00
10,430.00
11,981.00
growth rate 32.0% -6.9% 3.4% -10.9% -13.4% 3.0% 45.7% -4.5% 14.9%
Cur.Liabilities 19,761.00
22,163.00
23,700.00
23,922.00
27,116.00
27,881.00
30,623.00
42,898.00
49,252.00
50,463.00
growth rate 12.2% 6.9% 0.9% 13.4% 2.8% 9.8% 40.1% 14.8% 2.5%
Liabilities 35,035.00
35,439.00
37,238.00
39,597.00
47,586.00
48,558.00
52,540.00
75,793.00
82,621.00
87,036.00
growth rate 1.2% 5.1% 6.3% 20.2% 2.0% 8.2% 44.3% 9.0% 5.3%
LT Debt 9,060.00
11,338.00
11,334.00
11,023.00
11,638.00
16,754.00
16,860.00
16,062.00
25,342.00
25,777.00
28,835.00
growth rate 25.1% 0.0% -2.7% 5.6% 44.0% 0.6% -4.7% 57.8% 1.7% 11.9%
Equity 20,063.00
20,780.00
23,606.00
25,825.00
28,292.00
31,178.00
32,149.00
32,454.00
33,830.00
38,274.00
47,776.00
growth rate 3.6% 13.6% 9.4% 9.6% 10.2% 3.1% 1.0% 4.2% 13.1% 24.8%
Common Shares 1,361.00
1,241.00
1,179.00
1,131.00
1,087.00
1,046.00
1,023.00
986.00
967.00
968.00
985.00
growth rate -8.8% -5.0% -4.1% -3.9% -3.8% -2.2% -3.6% -1.9% 0.1% 1.8%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 871.00
407.00
739.00
878.00
1,067.00
1,070.00
1,307.00
1,525.00
1,556.00
1,705.00
2,023.00
growth rate -53.3% 81.6% 18.8% 21.5% 0.3% 22.2% 16.7% 2.0% 9.6% 18.7%
Cash Dividends 40.00
37.00
36.00
449.00
651.00
820.00
1,056.00
1,362.00
1,786.00
2,261.00
2,773.00
growth rate -7.5% -2.7% 1,147.2% 45.0% 26.0% 28.8% 29.0% 31.1% 26.6% 22.6%
Cash From OA 5,877.00
4,238.00
5,625.00
6,273.00
6,968.00
7,155.00
6,991.00
8,051.00
9,740.00
9,795.00
13,596.00
growth rate -27.9% 32.7% 11.5% 11.1% 2.7% -2.3% 15.2% 21.0% 0.6% 38.8%
FCF per Share 3.68
2.78
4.14
4.77
7.02
5.82
6.16
5.27
7.41
13.44
13.16
growth rate -24.5% 48.9% 15.2% 47.2% -17.1% 5.8% -14.5% 40.6% 81.4% -2.1%
Sale Purchase of Stock -2,613.00
-2,325.00
-4,046.00
462.00
402.00
429.00
688.00
growth rate 0.0% 0.0% 100.0% -13.0% 6.7% 60.4%
FCF 5,006.00
3,447.00
4,886.00
5,395.00
5,901.00
6,085.00
5,684.00
6,526.00
8,184.00
8,090.00
11,573.00
growth rate -31.1% 41.8% 10.4% 9.4% 3.1% -6.6% 14.8% 25.4% -1.2% 43.1%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 75,430.00
81,186.00
87,138.00
94,155.00
101,862.00
110,618.00
122,489.00
130,474.00
157,107.00
184,840.00
201,159.00
growth rate 7.6% 7.3% 8.1% 8.2% 8.6% 10.7% 6.5% 20.4% 17.7% 8.8%
Op.Income 5,263.00
6,359.00
7,864.00
5,142.00
5,526.00
5,673.00
10,274.00
11,021.00
12,930.00
15,209.00
growth rate 20.8% 23.7% -34.6% 7.5% 2.7% 81.1% 7.3% 17.3% 17.6%
IBT 4,624.00
5,808.00
7,383.00
7,959.00
8,622.00
8,915.00
9,656.00
10,231.00
11,863.00
14,023.00
growth rate 25.6% 27.1% 7.8% 8.3% 3.4% 8.3% 6.0% 16.0% 18.2%
Net Income 2,977.00
3,822.00
4,634.00
5,142.00
5,526.00
5,673.00
5,619.00
5,813.00
7,017.00
10,558.00
growth rate 28.4% 21.3% 11.0% 7.5% 2.7% -1.0% 3.5% 20.7% 50.5%
EPS 3.42
2.40
3.24
4.10
4.73
5.28
5.50
5.70
6.01
7.25
10.72
growth rate -29.8% 35.0% 26.5% 15.4% 11.6% 4.2% 3.6% 5.4% 20.6% 47.9%
Gross Profit 19,228.00
19,347.00
20,084.00
23,198.00
27,530.00
30,392.00
32,830.00
33,015.00
37,026.00
43,386.00
47,011.00
growth rate 0.6% 3.8% 15.5% 18.7% 10.4% 8.0% 0.6% 12.2% 17.2% 8.4%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 4,088.00
3,977.00
4,053.00
4,204.00
4,590.00
growth rate -2.7% 1.9% 3.7% 9.2%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 15,464.00
15,830.00
18,290.00
17,646.00
18,262.00
growth rate 2.4% 15.5% -3.5% 3.5%
Acct.Payable 33,841.00
33,051.00
37,799.00
36,866.00
38,841.00
growth rate -2.3% 14.4% -2.5% 5.4%
Cur.Assets 37,839.00
33,983.00
45,431.00
43,792.00
35,818.00
growth rate -10.2% 33.7% -3.6% -18.2%
Total Assets 140,432.00
139,058.00
155,569.00
154,611.00
151,087.00
growth rate -1.0% 11.9% -0.6% -2.3%
Cash 16,269.00
11,981.00
18,243.00
18,368.00
10,263.00
growth rate -26.4% 52.3% 0.7% -44.1%
Inventory
growth rate
Cur.Liabilities 58,088.00
50,463.00
67,667.00
62,052.00
56,377.00
growth rate -13.1% 34.1% -8.3% -9.2%
Liabilities 90,952.00
87,036.00
103,643.00
101,989.00
96,722.00
growth rate -4.3% 19.1% -1.6% -5.2%
LT Debt 24,723.00
28,835.00
28,206.00
32,096.00
32,053.00
growth rate 16.6% -2.2% 13.8% -0.1%
Equity 45,298.00
47,776.00
47,553.00
48,293.00
50,010.00
growth rate 5.5% -0.5% 1.6% 3.6%
Common Shares 10.00
10.00
10.00
10.00
10.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 466.00
632.00
477.00
483.00
545.00
growth rate 35.6% -24.5% 1.3% 12.8%
Cash Dividends 726.00
727.00
722.00
866.00
866.00
growth rate 0.1% -0.7% 19.9% 0.0%
Cash From OA 7,546.00
-2,577.00
8,369.00
4,007.00
941.00
growth rate -100.0% 100.0% -52.1% -76.5%
Sale Purchase of Stock 213.00
84.00
295.00
growth rate -60.6% 251.2%
FCF 7,080.00
-3,209.00
7,892.00
3,524.00
396.00
growth rate -100.0% 100.0% -55.4% -88.8%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 50,322.00
52,061.00
55,188.00
56,086.00
56,556.00
growth rate 3.5% 6.0% 1.6% 0.8%
Op.Income 4,088.00
3,977.00
4,053.00
4,204.00
4,590.00
growth rate -2.7% 1.9% 3.7% 9.2%
IBT 3,794.00
3,669.00
3,724.00
3,860.00
4,237.00
growth rate -3.3% 1.5% 3.7% 9.8%
Net Income 2,485.00
3,617.00
2,836.00
2,922.00
3,188.00
growth rate 45.6% -21.6% 3.0% 9.1%
EPS
growth rate
Gross Profit 12,053.00
12,375.00
13,141.00
13,188.00
13,680.00
growth rate 2.7% 6.2% 0.4% 3.7%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A+ (95.05)

YOY Growth Grade:

B (67.99)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 21.27 19.85 18.54
EPS / Growth 16.9% 12.75 15.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 12.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 12.3% 15.0% 15.0%
Future PE 18.54 23.26 23.26
Future EPS 40.66 51.47 51.47
Value Price
MOS %
186.36
-26.3%
295.91
17.0%
295.91
17.0%
MOS Price 93.18 147.95 147.95
IRT 9.95 9.14 9.14

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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