UNH PEER ANALYSIS

UnitedHealth Group Incorporated — metric-by-metric comparison with peers and the industry median

UNHUnitedHealth Group Incorporated

🇺🇸 USA · US · Healthcare · Healthcare Plans

Value it Duel

Overall Profile & Returns

· Healthcare Plans

Position Within Industry

0 = weak quartile, 100 = strong quartile

UNHIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	UNH	SAN	EL	MRK	BAYN	SHL	Ind. Median
P/E	31.58	8.66●	34.99	24.51	—	18.72	40.34
P/B	3.66	1.23●	2.08	2.09	1.74	2.15	2.70
EV/EBITDA	18.58	9.57●	14.04	11.78	23.53	11.94	17.71
P/S	0.85●	1.93	2.84	2.96	1.11	1.70	0.40

Financial Health
Metric	UNH	SAN	EL	MRK	BAYN	SHL	Ind. Median
Current Ratio	0.80	1.01	0.99	1.51●	1.06	1.10	1.19
Debt/Equity	75.0%	27.5%●	37.0%	40.5%	134.8%	84.1%	75.2%
NetDebt/EBITDA	2.03	1.33●	1.66	1.38	9.19	3.04	-1.10

Profitability
Metric	UNH	SAN	EL	MRK	BAYN	SHL	Ind. Median
Net Margin	2.7%	22.3%●	8.1%	12.1%	-4.8%	9.1%	0.8%
ROE	12.1%	14.1%●	5.8%	8.5%	-7.0%	11.4%	9.2%
ROA	3.9%	8.0%●	3.6%	4.9%	-2.0%	4.6%	2.0%
EBITDA Margin	5.1%	23.4%	23.0%	28.5%●	7.7%	19.1%	2.4%

Growth + Dividend
Metric	UNH	SAN	EL	MRK	BAYN	SHL	Ind. Median
Rev. Growth	9.7%●	3.3%	7.5%	-1.7%	-2.9%	-0.3%	9.6%
NI Growth	-45.5%	59.8%●	-1.8%	-10.1%	—	0.3%	-33.9%
Div. Yield	2.1%	0.0%	2.3%	1.5%	0.2%	2.9%●	2.1%
Payout	66.5%	0.0%	0.0%	11.8%	-5.9%	48.4%	38.0%

Valuation
Metric	UNH	CVS	ELV	CI	HUM	Ind. Median
P/E	31.58	44.53	17.16	11.85●	41.95	40.34
P/B	3.66	1.69●	2.05	1.77	2.55	2.70
EV/EBITDA	18.58	17.71	9.67	8.00●	13.83	17.71
P/S	0.85	0.32	0.45	0.27●	0.35	0.40

Financial Health
Metric	UNH	CVS	ELV	CI	HUM	Ind. Median
Current Ratio	0.80	0.87	1.48●	0.82	1.26	1.19
Debt/Equity	75.0%	101.1%	72.5%●	73.2%	75.3%	75.2%
NetDebt/EBITDA	2.03	5.98	-0.42	1.89	-2.80●	-1.10

Profitability
Metric	UNH	CVS	ELV	CI	HUM	Ind. Median
Net Margin	2.7%●	0.7%	2.6%	2.3%	0.8%	0.8%
ROE	12.1%	3.8%	12.1%	15.3%●	6.2%	9.2%
ROA	3.9%	1.2%	4.3%●	4.1%	2.1%	2.0%
EBITDA Margin	5.1%●	2.7%	4.4%	4.4%	2.1%	2.4%

Growth + Dividend
Metric	UNH	CVS	ELV	CI	HUM	Ind. Median
Rev. Growth	9.7%	7.6%	9.4%	8.8%	14.1%●	9.6%
NI Growth	-45.5%	-44.5%	-11.4%	24.9%●	-33.9%	-33.9%
Div. Yield	2.1%	2.5%●	1.7%	2.2%	0.9%	2.1%
Payout	66.5%	116.1%	29.0%	25.7%	38.0%	38.0%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.