Unitedhealth Group Incorporated Stock Z Score

UNH Stock

USD 597.49 3.01 0.50%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out UnitedHealth Group Piotroski F Score and UnitedHealth Group Valuation analysis.

As of now, UnitedHealth Group's Return On Capital Employed is increasing as compared to previous years. As of now, UnitedHealth Group's Other Operating Expenses is increasing as compared to previous years. The UnitedHealth Group's current Operating Income is estimated to increase to about 34 B, while Total Other Income Expense Net is forecasted to increase to (3.1 B).

UnitedHealth Group Incorporated Company Z Score Analysis

UnitedHealth Group's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

UnitedHealth Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for UnitedHealth Group is extremely important. It helps to project a fair market value of UnitedHealth Stock properly, considering its historical fundamentals such as Z Score. Since UnitedHealth Group's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of UnitedHealth Group's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of UnitedHealth Group's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Intangible Assets	Short Term Debt	Accounts Payable	Short Term Investments	Common Stock	Good Will	Long Term Debt	Property Plant Equipment	Current Deferred Revenue	Net Tangible Assets	Long Term Debt Total	Deferred Long Term Liab	Long Term Investments	Short Long Term Debt	Cash And Equivalents	Net Invested Capital	Net Working Capital	Capital Stock
Total Assets		0.99	0.96	1.0	0.96	1.0	1.0	0.97	0.56	0.83	0.84	0.38	1.0	0.99	0.98	0.5	-0.17	0.98	0.62	0.87	0.57	0.78	0.63	-0.89	-0.77
Total Stockholder Equity	0.99		0.94	1.0	0.94	0.99	0.99	0.96	0.51	0.83	0.85	0.43	0.99	0.98	0.98	0.45	-0.14	0.96	0.62	0.88	0.53	0.76	0.6	-0.88	-0.74
Net Debt	0.96	0.94		0.94	0.89	0.97	0.94	0.99	0.67	0.72	0.81	0.32	0.97	0.98	0.97	0.55	-0.33	0.97	0.6	0.81	0.65	0.68	0.65	-0.86	-0.78
Retained Earnings	1.0	1.0	0.94		0.96	0.99	0.99	0.96	0.52	0.84	0.84	0.41	0.99	0.99	0.98	0.47	-0.14	0.97	0.62	0.87	0.53	0.78	0.61	-0.89	-0.75
Net Receivables	0.96	0.94	0.89	0.96		0.96	0.97	0.91	0.48	0.83	0.71	0.2	0.95	0.95	0.91	0.6	-0.1	0.97	0.48	0.83	0.52	0.85	0.63	-0.91	-0.78
Total Liab	1.0	0.99	0.97	0.99	0.96		1.0	0.98	0.59	0.83	0.83	0.37	1.0	1.0	0.98	0.51	-0.18	0.98	0.62	0.87	0.59	0.78	0.63	-0.89	-0.77
Total Current Assets	1.0	0.99	0.94	0.99	0.97	1.0		0.96	0.56	0.84	0.82	0.37	0.99	0.99	0.96	0.5	-0.14	0.98	0.61	0.85	0.56	0.81	0.61	-0.88	-0.76
Intangible Assets	0.97	0.96	0.99	0.96	0.91	0.98	0.96		0.66	0.79	0.86	0.37	0.98	0.99	0.97	0.51	-0.3	0.97	0.65	0.84	0.64	0.73	0.66	-0.86	-0.74
Short Term Debt	0.56	0.51	0.67	0.52	0.48	0.59	0.56	0.66		0.37	0.44	0.42	0.57	0.57	0.55	0.15	-0.27	0.54	0.7	0.38	0.82	0.28	0.27	-0.39	-0.37
Accounts Payable	0.83	0.83	0.72	0.84	0.83	0.83	0.84	0.79	0.37		0.63	0.31	0.82	0.82	0.79	0.49	0.13	0.79	0.58	0.88	0.48	0.78	0.44	-0.75	-0.4
Short Term Investments	0.84	0.85	0.81	0.84	0.71	0.83	0.82	0.86	0.44	0.63		0.55	0.85	0.84	0.85	0.17	-0.38	0.79	0.59	0.68	0.43	0.59	0.63	-0.69	-0.65
Common Stock	0.38	0.43	0.32	0.41	0.2	0.37	0.37	0.37	0.42	0.31	0.55		0.38	0.34	0.41	-0.45	-0.02	0.23	0.79	0.32	0.25	0.14	0.05	-0.07	0.0
Good Will	1.0	0.99	0.97	0.99	0.95	1.0	0.99	0.98	0.57	0.82	0.85	0.38		1.0	0.99	0.5	-0.21	0.98	0.61	0.86	0.57	0.78	0.64	-0.89	-0.78
Long Term Debt	0.99	0.98	0.98	0.99	0.95	1.0	0.99	0.99	0.57	0.82	0.84	0.34	1.0		0.98	0.54	-0.21	0.99	0.6	0.87	0.57	0.78	0.65	-0.89	-0.77
Property Plant Equipment	0.98	0.98	0.97	0.98	0.91	0.98	0.96	0.97	0.55	0.79	0.85	0.41	0.99	0.98		0.49	-0.2	0.96	0.61	0.88	0.58	0.71	0.59	-0.86	-0.73
Current Deferred Revenue	0.5	0.45	0.55	0.47	0.6	0.51	0.5	0.51	0.15	0.49	0.17	-0.45	0.5	0.54	0.49		-0.15	0.61	-0.05	0.63	0.34	0.65	0.56	-0.64	-0.47
Net Tangible Assets	-0.17	-0.14	-0.33	-0.14	-0.1	-0.18	-0.14	-0.3	-0.27	0.13	-0.38	-0.02	-0.21	-0.21	-0.2	-0.15		-0.23	-0.01	0.01	-0.16	-0.04	-0.71	0.27	0.43
Long Term Debt Total	0.98	0.96	0.97	0.97	0.97	0.98	0.98	0.97	0.54	0.79	0.79	0.23	0.98	0.99	0.96	0.61	-0.23		0.51	0.84	0.55	0.8	0.67	-0.91	-0.82
Deferred Long Term Liab	0.62	0.62	0.6	0.62	0.48	0.62	0.61	0.65	0.7	0.58	0.59	0.79	0.61	0.6	0.61	-0.05	-0.01	0.51		0.57	0.52	0.37	0.22	-0.4	-0.2
Long Term Investments	0.87	0.88	0.81	0.87	0.83	0.87	0.85	0.84	0.38	0.88	0.68	0.32	0.86	0.87	0.88	0.63	0.01	0.84	0.57		0.55	0.81	0.55	-0.8	-0.5
Short Long Term Debt	0.57	0.53	0.65	0.53	0.52	0.59	0.56	0.64	0.82	0.48	0.43	0.25	0.57	0.57	0.58	0.34	-0.16	0.55	0.52	0.55		0.34	0.28	-0.45	-0.31
Cash And Equivalents	0.78	0.76	0.68	0.78	0.85	0.78	0.81	0.73	0.28	0.78	0.59	0.14	0.78	0.78	0.71	0.65	-0.04	0.8	0.37	0.81	0.34		0.7	-0.75	-0.62
Net Invested Capital	0.63	0.6	0.65	0.61	0.63	0.63	0.61	0.66	0.27	0.44	0.63	0.05	0.64	0.65	0.59	0.56	-0.71	0.67	0.22	0.55	0.28	0.7		-0.75	-0.73
Net Working Capital	-0.89	-0.88	-0.86	-0.89	-0.91	-0.89	-0.88	-0.86	-0.39	-0.75	-0.69	-0.07	-0.89	-0.89	-0.86	-0.64	0.27	-0.91	-0.4	-0.8	-0.45	-0.75	-0.75		0.85
Capital Stock	-0.77	-0.74	-0.78	-0.75	-0.78	-0.77	-0.76	-0.74	-0.37	-0.4	-0.65	0.0	-0.78	-0.77	-0.73	-0.47	0.43	-0.82	-0.2	-0.5	-0.31	-0.62	-0.73	0.85

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict UnitedHealth Group

As per the company's disclosures, UnitedHealth Group Incorporated has a Z Score of 0.0. This is 100.0% lower than that of the Health Care Providers & Services sector and about the same as Health Care (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

UnitedHealth Group ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, UnitedHealth Group's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to UnitedHealth Group's managers, analysts, and investors.

Environmental

Governance

Social

UnitedHealth Group Institutional Holders

Institutional Holdings refers to the ownership stake in UnitedHealth Group that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of UnitedHealth Group's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing UnitedHealth Group's value.

		Shares
Capital Research & Mgmt Co - Division 3	2024-09-30	14.7 M
Norges Bank	2024-06-30	11.7 M
Royal Bank Of Canada	2024-06-30	8.5 M
Northern Trust Corp	2024-09-30	8.4 M
Legal & General Group Plc	2024-06-30	8.3 M
Wells Fargo & Co	2024-06-30	8.2 M
Bank Of New York Mellon Corp	2024-06-30	8 M
Alliancebernstein L.p.	2024-06-30	7.9 M
Franklin Resources Inc	2024-06-30	7.9 M
Vanguard Group Inc	2024-09-30	85 M
Blackrock Inc	2024-06-30	73.4 M

UnitedHealth Fundamentals

	Return On Equity	0.15
	Return On Asset	0.0692
	Profit Margin	0.04 %
	Operating Margin	0.09 %
	Current Valuation	593.51 B
	Shares Outstanding	920.28 M
	Shares Owned By Insiders	0.23 %
	Shares Owned By Institutions	90.01 %
	Number Of Shares Shorted	7.06 M
	Price To Earning	26.34 X
	Price To Book	5.85 X
	Price To Sales	1.40 X
	Revenue	371.62 B
	Gross Profit	79.62 B
	EBITDA	36.33 B
	Net Income	22.38 B
	Cash And Equivalents	27.91 B
	Cash Per Share	45.51 X
	Total Debt	67.44 B
	Debt To Equity	0.59 %
	Current Ratio	0.78 X
	Book Value Per Share	102.42 X
	Cash Flow From Operations	29.07 B
	Short Ratio	2.20 X
	Earnings Per Share	15.36 X
	Price To Earnings To Growth	1.63 X
	Target Price	623.93
	Number Of Employees	440 K
	Beta	0.59
	Market Capitalization	549.86 B
	Total Asset	278.42 B
	Retained Earnings	95.77 B
	Working Capital	(20.62 B)
	Current Asset	31.64 B
	Current Liabilities	42.9 B
	Annual Yield	0.01 %
	Five Year Return	1.35 %
	Net Asset	278.42 B
	Last Dividend Paid	7.96

About UnitedHealth Group Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze UnitedHealth Group Incorporated's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of UnitedHealth Group using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of UnitedHealth Group Incorporated based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether UnitedHealth Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of UnitedHealth Group's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Unitedhealth Group Incorporated Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Unitedhealth Group Incorporated Stock:

How To Invest In UnitedHealth

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Is UnitedHealth Stock a good investment?

Details

What is UnitedHealth Group's Net Worth?

Details

Largest Health Care Providers & Services Companies

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Largest Health Care Equipment & Services Companies

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Check out UnitedHealth Group Piotroski F Score and UnitedHealth Group Valuation analysis.

You can also try the Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.

Is Health Care Providers & Services space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UnitedHealth Group. If investors know UnitedHealth will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UnitedHealth Group listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.043

Dividend Share

7.96

Earnings Share

15.36

Revenue Per Share

427.221

Quarterly Revenue Growth

0.092

The market value of UnitedHealth Group is measured differently than its book value, which is the value of UnitedHealth that is recorded on the company's balance sheet. Investors also form their own opinion of UnitedHealth Group's value that differs from its market value or its book value, called intrinsic value, which is UnitedHealth Group's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UnitedHealth Group's market value can be influenced by many factors that don't directly affect UnitedHealth Group's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between UnitedHealth Group's value and its price as these two are different measures arrived at by different means. Investors typically determine if UnitedHealth Group is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UnitedHealth Group's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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Unitedhealth Group Incorporated Stock Z Score

UnitedHealth Group Incorporated Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

UnitedHealth Z Score Driver Correlations

UnitedHealth Group ESG Sustainability

UnitedHealth Group Institutional Holders

UnitedHealth Fundamentals

About UnitedHealth Group Fundamental Analysis

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