NYSEHealth CareHealthcare PlansSnapshot 2026-07-31
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Create your account →Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Health Care is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — EPS at or above $17.35 in 2026: EPS guidance 18.45-18.95 vs 17.35.
View ThesisRevenue is growing steadily — about 10% over the past year.
View GrowthRanks among the strongest in its industry on quality — around the top 19%.
View QualityManagement screens strong on capital allocation, earnings delivery, margins, the balance sheet.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskUnitedHealth's growth depends on its ability to raise EPS guidance above $17.35. The company recently beat earnings expectations by 31.8% and raised its full-year outlook. It trades at 23× P/E, slightly above the peer median of 22×. This suggests that the price reflects modest growth expectations compared to our view. A risk is that if UNH cuts guidance, it could hurt credibility and stock price. Peer multiples imply a price about 3% below where it trades. Our read is provisional.
Trailing returns as of 2026-07-31. UNH is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 29 analysts currently covering UNH (as of Jul 2026).
Based on 18 Wall Street analysts offering 12-month price targets for UNH in the last 4 months.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-08-01. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Managed Health Care — fair value, gap to price, and forward P/E.
Advances: Advance growth and operational improvements in Optum businesses
Signals operational improvements in Optum businesses.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-31. EPS is implied from price ÷ P/E. Not investment advice.
Current $414.40
The last 12 months of price, then the range of analyst 12-month targets from today’s $414.40.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Raise 2026 EPS outlook to $19.50-$20.00 per share
Profit beat and outlook hike support EPS growth objectives.
Threatens: Maintain disciplined cost management and improve operating margins
Earnings risk may impact cost management objectives.
Threatens: Maintain disciplined cost management and improve operating margins
Near-term risks could hinder cost management efforts.
Threatens: Maintain disciplined cost management and improve operating margins
CFO's warning indicates potential cost management issues.
Advances: Raise 2026 EPS outlook to $19.50-$20.00 per share
Earnings beat supports higher EPS outlook for 2026.
Changes could impact earnings and growth outlook.
Downgrade indicates potential headwinds for growth.
