Insider buying last 90 days
No open-market insider purchases were filed for UNH in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every UNH insider filing, plotted on the chart in Gekko.Open UNH in Gekko
NYSE: UNH
UnitedHealth (UNH) Stock Analysis & Forecast
Nov 4 close
$409.38+4.94 (+1.2%)
Gekko Brief
AI summaryNov 4 closeUnitedHealth shares climb this week alongside a broader rally in healthcare stocks, with the company announcing a quarterly dividend of $2.32 per share, payable 15 December 2026 to shareholders of record as of 7 December 2026. The move follows third-quarter results showing revenue of $112.7 billion, a 0.4% year-over-year decrease, while net income rose 75% to $4.11 billion and diluted EPS increased 76.1% to $4.56. The board also authorized an additional 50 million shares for buyback, supplementing the existing repurchase program, and commentary points to AI-driven efficiency gains, including a 33% reduction in chart review time and a 26% shorter appeal cycle, alongside prior authorization reforms targeting a 30% cut in total authorizations.
UNH closes at $409.38, up 1.2%, sitting above both its 50-day average of $390.77 and its 200-day average of $363.79, with the shorter average above the longer one. The stock has returned 8.8% over one month and 22.6% over one year. The GekkoIndex reads 52.9, placing it in the Neutral zone, while price sits 9.7% above Gekko Fair Value of $373.34.
The next earnings report is scheduled for 20 January 2027, 76 days away and outside a typical 20-trading-day holding window. No insider, Congress, or unusual options activity appears in the current windows, though three billionaire holders and two trailblazer holders are noted. Analyst coverage shows 14 buy ratings, 3 hold, and no sell among 17 firms, with a consensus target of $476.64. Seasonally, the next 20 trading days have averaged a 2.5% gain over five years, positive in three of them.
Written by AI from the Nov 4, 2026 close and checked automatically against the figures on this page.
UnitedHealth price vs fair value
Close $409.38200-day averageGekko Fair Value $373.34
UnitedHealth quick facts
- Market cap
- $367.5B
- P/E ratio
- 22.9
- Forward P/E
- 17.5
- EPS, TTM
- $17.52
- Revenue, TTM
- $450.1B
- Profit margin
- 3.5%
- Dividend yield
- 0.54%
- Beta
- 0.52
- Volume
- 9.52M avg 6.16M
- 1-year return
- +22.6%
- Typical daily move
- ±2.8%
- Typical 20-day move
- ±4.9%
- 50-day average
- $390.77
- 200-day average
- $363.79
- Next earnings
- Jan 20 before open
- Shares outstanding
- 897.6M
UnitedHealth swing-trade checklist
UnitedHealth scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendsupportive
Above 50 and 200-day
Close $409.38 is above the 50-day ($390.77) and 200-day ($363.79) averages, and the 50-day is above the 200-day.
See the chart - GekkoIndexmixed
52.9, Neutral
Reading 52.9 is in the Neutral zone.
See the GekkoIndex - Fair valueheadwind
9.7% above
Price is 9.7% above Gekko Fair Value (more than 5% above).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 76 days
Next report Jan 20, 2027, 76 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+2.5% on average
From this point in the calendar, the next 20 trading days averaged +2.5% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
UnitedHealth stock chart and price history
UnitedHealth closed at $409.38 on Nov 4, 2026, +22.6% over the past year, inside a 52-week range of $255.97 to $461.62.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +8.8%
- 3 months
- +1.3%
- 6 months
- +11.5%
- 1 year
- +22.6%
The full UNH chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open UNH in Gekko
Follow UnitedHealth through every session
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About UnitedHealth
UnitedHealth provides health coverage and related care services to people and organizations across the United States. It is widely recognized for its health benefit plans, which range from employer-sponsored coverage to individual policies, along with programs aimed at older adults dealing with chronic conditions and preventive care needs. Its offerings also touch on Medicaid, children's insurance, dental benefits, and hospital and clinical care.
The company runs through four main units. UnitedHealthcare handles benefit plans for large employers, government bodies, smaller businesses, and individual customers. Optum Health connects patients with specialist providers and delivers care management and financial services to employers, insurers, and government clients. Optum Insight supplies data tools, software, and consulting work to hospitals, physicians, insurers, and life sciences firms. Optum Rx oversees pharmacy operations, including retail networks, home delivery, and specialty medications, alongside programs for managing drug therapy and medication use.
UnitedHealth was founded in 1977 and is headquartered in Minnetonka, Minnesota. Its shares are listed on the NYSE under the ticker UNH.
- Listed
- NYSE
- Sector
- Health services
- Industry
- Managed health care
- Website
- unitedhealthgroup.com
UnitedHealth GekkoIndex: the smart money zone
UnitedHealth’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 52.9, in the Neutral zone, down 0.7 points over five sessions.
52.9Neutral
Down 0.7 points over five sessions.
Reading for Nov 4, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 51 | −0.3% | +3.0% | ||
| Accumulation | 263 | +0.3% | +2.2% | ||
| Neutral (current zone) | 352 | +0.2% | −1.6% | ||
| Distribution | 29 | −4.1% | −4.2% | ||
| Selling | 2 | Too few readings yet | |||
Average UNH share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.0% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the UNH price, zone by zone.Track UNH in Gekko
Is UnitedHealth stock overvalued? Gekko Fair Value
UnitedHealth trades 9.7% above Gekko Fair Value of $373.34, so the shares are overvalued on Gekko’s estimate.
Gekko’s own estimate of what UnitedHealth shares are worth, recalculated every trading day.
$373.34
Gekko Fair Value, Nov 4, 2026
9.7% Overvalued
At the end of Aug 2026 the price was 2.9% above the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open UNH in Gekko
UnitedHealth insider and Congress trading
No open-market insider purchases were filed for UnitedHealth, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in UNH were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for UNH, plotted on the chart in Gekko.Open UNH in Gekko
Buybacks
UnitedHealth has been buying back its own shares.
- Bought back, quarter ended Sep 30, 2026
- $3.39B
- As a share of market cap
- 0.92%
From company filings.
Hedge funds and billionaires quarter ended Jun 30
5of the funds Gekko tracks hold UNH.
1added2opened2trimmed2sold out
Which funds are on each side, name by name.Unlock in Gekko
UnitedHealth earnings: next date and track record
UnitedHealth reports on Jan 20, 2027, before the open (76 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Jan 20, 2027
Expected before the open, 76 days away
- EPS estimate
- $2.28
- Revenue estimate
- $112.3B
6 of 8reports beat the EPS estimate
±9.3%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Oct 13, 2026 AI summary
- What they said
- UNH's Q3 2026 performance showed meaningful progress with management expressing confidence in sustainable 2027 growth within their 13-16% long-term target range. AI-enabled initiatives are driving operational improvements including 33% reduction in chart review time and 26% shorter appeal cycles. Prior authorization reforms are on track to reduce total authorizations by 30%. UnitedHealthcare seeing positive momentum in Medicare and Medicaid, though commercial business faces challenges and costs remain high in specialty pharmacy and acute care.
- Guidance
- Revised full year 2026 guidance reflects continuing improvements across Optum and UnitedHealthcare. Management targets sustainable growth in 2027 and beyond within the 13-16% long-term growth range, with AI capabilities expected to accelerate further in 2027.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Oct 13, 2026 | $4.69 est $4.14 | $112.7B est $111.3B | +4.5% |
| Jul 16, 2026 | $6.38 est $4.94 | $112.0B est $110.8B | +1.8% |
| Apr 21, 2026 | $7.23 est $6.61 | $111.7B est $109.4B | +9.3% |
| Jan 27, 2026 | $2.11 est $2.10 | $113.2B est $113.8B | −16.4% |
| Oct 28, 2025 | $2.92 est $2.80 | $113.2B est $113.0B | −2.9% |
| Jul 29, 2025 | $4.08 est $4.45 | $111.6B est $111.5B | −5.7% |
| Apr 17, 2025 | $7.20 est $7.29 | $109.6B est $111.6B | −27.3% |
| Jan 16, 2025 | $6.81 est $6.74 | $100.8B est $101.6B | −6.2% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
UnitedHealth stock forecast and analyst price targets
Analysts’ average 12-month price target for UnitedHealth is $476.64, +16.4% from the last close, from 17 firms rating the stock in the last 90 days.
$476.64consensus 12-month target, +16.4% from the last close
Now $409.38Avg $476.64
Low $402High $531
Each firm’s latest rating in the last 90 days: 17 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 27 | Wells Fargo | $487 | +19.0% |
| Oct 27 | Morgan Stanley | $531 | +29.7% |
| Oct 22 | Mizuho Securities | $500 | +22.1% |
| Oct 19 | RBC Capital | $498 | +21.6% |
| Oct 16 | J.P. Morgan | $524 | +28.0% |
−1.6%average 20-day move after past Neutral readings
+2.5%average move over the next 20 trading days in the last 5 years
±2.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
UnitedHealth seasonality: the next 20 trading days
Over the next 20 trading days from Nov 4, UnitedHealth averaged +2.5% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.0% | 3 of 5 |
| Next 10 trading days | −0.3% | 2 of 5 |
| Next 15 trading days | +1.0% | 2 of 5 |
| Next 20 trading days | +2.5% | 3 of 5 |
| Next 30 trading days | −1.9% | 2 of 5 |
For scale, UNH’s typical 20-trading-day move in either direction is about 4.9%.
UnitedHealth market cap and key statistics
UnitedHealth’s market cap is $367.5B, with a P/E ratio of 22.9 and revenue of $450.1B over the last twelve months.
Valuation
- Market cap
- $367.5B
- P/E ratio
- 22.9
- Forward P/E
- 17.5
- EPS, TTM
- $17.52
- Gekko Fair Value
- $373.34
Trading
- Volume
- 9.52M
- Avg volume, 20 days
- 6.16M
- 52-week high
- $461.62
- 52-week low
- $255.97
- Shares outstanding
- 897.6M
Financials
- Revenue, TTM
- $450.1B
- Profit margin
- 3.5%
- Return on equity
- 15.8%
- Quarterly earnings growth, YoY
- +75.9%
Risk and income
- Beta
- 0.52
- Typical daily move
- ±2.8%
- Typical 20-day move
- ±4.9%
- Dividend yield
- 0.54%
UnitedHealth stock news this week
Coverage of UnitedHealth this week reads positive: 9 positive, 3 neutral and 0 negative headlines.
- UnitedHealth Stock Climbs: What's Going On?Benzinga, Nov 4
- UnitedHealth Group declares $2.32 quarterly dividend By Investing.comInvesting.com Canada, Nov 4
- UnitedHealth Group Board Authorizes Payment of Quarterly DividendBusiness Wire, Nov 4
- What UnitedHealth Group Doubters MissedSimply Wall St, Nov 4
- 44,179 Shares of UnitedHealth Group Incorporated $UNH Purchased by Associated Banc CorpDefense World, Nov 4
- UnitedHealth Group Adds 50 Million Shares to Buyback Authorizationwww.tokenpost.com, Nov 4
UnitedHealth peers
UnitedHealth’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| ELVElevance Health | Neutral | 31.6% below |
| CICigna | Neutral | 33.1% below |
| HUMHumana | Neutral | 22.1% below |
| CNCCentene | Neutral | 13.6% below |
| MOHMolina Healthcare | Neutral | 34.2% below |
| OSCROscar Health | Neutral | 4.8% above |
A peer links to its own page where one exists.
UnitedHealth stock FAQ
What is UnitedHealth’s market cap?
UnitedHealth’s market cap is $367.5B at the Nov 4, 2026 close of $409.38, with 897.6M shares outstanding. The shares trade on a P/E ratio of 22.9.
What is the UnitedHealth stock forecast?
The consensus analyst 12-month price target for UnitedHealth is $476.64, +16.4% from the last close. Of the 17 firms that rated the stock in the last 90 days, 14 rate it a buy, 3 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is UnitedHealth stock overvalued or undervalued?
On Gekko’s estimate UnitedHealth is overvalued: the Nov 4, 2026 close of $409.38 is 9.7% above Gekko Fair Value of $373.34. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does UnitedHealth report earnings next?
UnitedHealth is expected to report on Jan 20, 2027, before the market opens (76 days away). Analysts expect earnings of $2.28 per share on revenue of $112.3B. UnitedHealth beat the earnings estimate in 6 of its last 8 reports, moving 9.3% on average across the report.
What is UnitedHealth’s 52-week high and low?
UnitedHealth’s 52-week high is $461.62 and its 52-week low is $255.97; it closed at $409.38 on Nov 4, 2026, +22.6% over the past year. Over the last five years the shares peaked at $630.73 on Nov 11, 2024.
Is UnitedHealth stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (trend, earnings risk and seasonality), 1 as mixed (gekkoindex) and 1 as a headwind (fair value). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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