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UnitedHealth (UNH)
NYSE:UNH
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UnitedHealth (UNH) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 21, 2026
Before Open (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
2.12
Last Year’s EPS
6.81
Same Quarter Last Year
Moderate Buy
Based on 22 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 28, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
The earnings call highlighted strong revenue growth and strategic realignments in value-based care, but faced challenges with high medical cost trends, membership declines in Medicare Advantage, and pressures in commercial and Medicaid segments.
Company Guidance
During UnitedHealth Group's Third Quarter 2025 Earnings Conference Call, the company provided detailed guidance and strategic direction for the upcoming years. UnitedHealth Group plans to drive solid operating earnings growth in 2026 through repricing efforts within UnitedHealthcare, focusing on margin improvements. The company foresees a more measured progression for Optum Health and Optum Insight, which require operational improvements and investments. UnitedHealth Group aims for a return to consistent performance by 2026, with double-digit growth anticipated from 2027 onwards. Specific metrics include a projected 7.5% full-year trend for Medicare Advantage in 2025, while individual Medicare Advantage medical cost trends are expected to be around 10% in 2026. Commercial pricing for 2026 reflects elevated cost levels observed in 2025, with an anticipated return to normal margins by 2027. The company also plans to enact targeted service area reductions in ACA markets, expecting a 2/3 reduction in enrollment, which will contribute to margin improvements below the targeted 7% to 9% range. Medicaid remains challenging, with funding levels not meeting actual cost trends, likely extending through 2026. UnitedHealth Group expects to end 2025 with a medical care ratio of 89.9% and plans to address external challenges, including Medicare cuts and Medicaid funding pressures, while focusing on long-term growth and operational rigor.
Revenue Growth
UnitedHealth Group reported revenues of over $113 billion, reflecting a 12% year-over-year growth, driven by domestic membership expansion of over 780,000 lives year-to-date.
Medicare STARS Improvement
UnitedHealthcare's recent Medicare STARS scores showed improvement year-over-year, aiding in competitiveness for payment year 2028.
Optum Health Value-Based Care Progress
Optum Health is refocusing on its original value-based care model, with significant leadership changes and a commitment to a more integrated and dedicated provider network.
Capital Deployment Strategy
UnitedHealth plans to resume its historical capital deployment practices, including share buybacks and strategic acquisitions, in the second half of 2026.
Strong Cash Flow
The company reported strong cash flows of 2.3x net income for the quarter.

UnitedHealth (UNH) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

UNH Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 21, 2026
2025 (Q4)
2.12 / -
6.81
Oct 28, 2025
2025 (Q3)
2.79 / 2.92
7.15-59.16% (-4.23)
Jul 29, 2025
2025 (Q2)
4.45 / 4.08
6.8-40.00% (-2.72)
Apr 17, 2025
2025 (Q1)
7.29 / 7.20
6.914.20% (+0.29)
Jan 16, 2025
2024 (Q4)
6.74 / 6.81
6.1610.55% (+0.65)
Oct 15, 2024
2024 (Q3)
7.00 / 7.15
6.568.99% (+0.59)
Jul 16, 2024
2024 (Q2)
6.65 / 6.80
6.1410.75% (+0.66)
Apr 16, 2024
2024 (Q1)
6.61 / 6.91
6.2610.38% (+0.65)
Jan 12, 2024
2023 (Q4)
5.99 / 6.16
5.3415.36% (+0.82)
Oct 13, 2023
2023 (Q3)
6.33 / 6.56
5.7913.30% (+0.77)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

UNH Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 28, 2025
$365.98$367.84+0.51%
Jul 29, 2025
$280.35$259.43-7.46%
Apr 17, 2025
$577.27$448.08-22.38%
Jan 16, 2025
$533.92$501.67-6.04%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does UnitedHealth (UNH) report earnings?
UnitedHealth (UNH) is schdueled to report earning on Jan 21, 2026, Before Open (Confirmed).
    What is UnitedHealth (UNH) earnings time?
    UnitedHealth (UNH) earnings time is at Jan 21, 2026, Before Open (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is UNH EPS forecast?
          UNH EPS forecast for the fiscal quarter 2025 (Q4) is 2.12.

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