UnitedHealth Group Incorporated
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from UnitedHealth Group Incorporated's yearly results (2022–2025), compared with Healthcare companies in United States. Tap ? on any ratio for what it means.
What stands out
- Self-Funding Ratio: Over the last 3 years its own operating cash covered its investment spending (capex) 6.9 times. Higher than 91% of Healthcare companies in United States.
- Tangible Net Worth Ratio: Goodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative. Less tangible than 85% of Healthcare companies in United States.
Where $100 of sales goes
Latest year (Dec 2025). Taxes and other income are not shown, so the parts need not add up to 100.
Cash quality
Profit Cash Ratio
$149Over the last 3 years, every $100 of reported profit came with $149 of operating cash.
Lower than 51% of Healthcare companies in United States.
Self-Funding Ratio
6.9×Over the last 3 years its own operating cash covered its investment spending (capex) 6.9 times.
Higher than 91% of Healthcare companies in United States.
Cash Locked Ratio
—Data incomplete
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Steadier than 69% of Healthcare companies in United States.
Growth Efficiency Ratio
−$7Sales grew 38% in 3 years, but profit fell: $7 less profit per $100 of extra sales.
Lower than 73% of Healthcare companies in United States.
Asset Productivity Ratio
+38% / +26%In 3 years sales changed by +38% while total assets changed by +26%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
3.2×Debt due within a year is covered 3.2 times by its yearly operating cash.
Higher than 77% of Healthcare companies in United States.
Cash Cushion Ratio
−13%Debt, after subtracting cash, equals 13% of its market value (net debt).
Lower than 80% of Healthcare companies in United States.
Tangible Assets Ratio
58%Of every $100 the company owns, $58 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 71% of Healthcare companies in United States.
Tangible Net Worth Ratio
NegativeGoodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative.
Less tangible than 85% of Healthcare companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (14)
UnitedHealth Group Incorporated owes $0.66 for every $1 it owns. Net profit fell 16% in the year to Dec 2025, and shrank 16% a year on average over 3 years.
Compared with Healthcare companies in United States · latest annual results Dec 2025.
P/E ratio
27.3Investors pay $27.3 for every $1 of UnitedHealth Group Incorporated's yearly profit, higher than 51% of Healthcare companies in United States.
P/B ratio
3.87The share price is 3.87 times UnitedHealth Group Incorporated's book value per share, higher than 64% of Healthcare companies in United States.
Market cap
$381.5 BThe total market value of all of UnitedHealth Group Incorporated's shares at today's price (share price × number of shares), larger than almost all Healthcare companies in United States. PosiCap size class: Tito Cap.
Net worth (book value)
$98.4 BWhat UnitedHealth Group Incorporated would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$109.68Net worth divided by the number of shares. The share price of $424.98 is 3.9 times this, which is the P/B above.
Return on equity (ROE)
15.8%UnitedHealth Group Incorporated earned 15.8% on its shareholders' money over the last year, higher than 87% of Healthcare companies in United States.
Owes vs Owns
0.66×UnitedHealth Group Incorporated owes $0.66 for every $1 it owns (moderate), higher than 69% of Healthcare companies in United States.
Dividend yield
2.23%UnitedHealth Group Incorporated pays 2.23% of its share price as dividends a year, higher than 78% of dividend-paying Healthcare companies in United States.
Revenue growth
+12%Revenue rose 12% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit growth
-16%Net profit fell 16% in the year to Dec 2025, and shrank 16% a year on average over 3 years.
Profit margin
2.7%UnitedHealth Group Incorporated keeps $3 of every $100 of revenue as net profit.
Cash quality
1.6×Cash from UnitedHealth Group Incorporated's business was 1.6× its reported profit in the year to Dec 2025 — its profit turned into cash.
Interest cover
4.7×UnitedHealth Group Incorporated's operating profit covered its interest costs 4.7 times in the year to Dec 2025.
Cash vs debt
Net debtUnitedHealth Group Incorporated had $50.3 B more debt than cash (net debt) at Dec 2025.
Questions
What is UnitedHealth Group Incorporated's P/E ratio?
Investors pay $27.3 for every $1 of UnitedHealth Group Incorporated's yearly profit, higher than 51% of Healthcare companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For UnitedHealth Group Incorporated: $381.5 B ÷ $98.4 B (30 Jun 2026) = 3.9.
What is UnitedHealth Group Incorporated's return on equity?
UnitedHealth Group Incorporated earned 15.8% on its shareholders' money over the last year, higher than 87% of Healthcare companies in United States.
How much does UnitedHealth Group Incorporated owe compared with what it owns?
UnitedHealth Group Incorporated owes $0.66 for every $1 it owns (moderate), higher than 69% of Healthcare companies in United States.
Does UnitedHealth Group Incorporated pay a dividend?
Yes. UnitedHealth Group Incorporated pays 2.23% of its share price as dividends a year, higher than 78% of dividend-paying Healthcare companies in United States.
Is UnitedHealth Group Incorporated's revenue growing?
Revenue rose 12% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.