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Unitedhealth Group Inc. (UNH)
NYSE:UNH
US Market
UNH
UnitedHealth
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UnitedHealth (UNH) Ratios

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UnitedHealth Ratios

UNH's free cash flow for Q1 2026 was $0.23. For the 2026 fiscal year, UNH's free cash flow was decreased by $ and operating cash flow was $0.08. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.80 0.79 0.83 0.79 0.77
Quick Ratio
 0.80 0.79 0.83 0.79 0.77
Cash Ratio
 0.25 0.21 0.24 0.26 0.26
Solvency Ratio
 0.08 0.08 0.09 0.15 0.15
Operating Cash Flow Ratio
 0.20 0.17 0.23 0.29 0.29
Short-Term Operating Cash Flow Coverage
 3.57 3.25 5.33 5.47 8.43
Net Current Asset Value
$ -116.20B$ -117.30B$ -109.91B$ -96.36B$ -90.29B
Leverage Ratios
Debt-to-Assets Ratio
 0.25 0.25 0.26 0.25 0.23
Debt-to-Equity Ratio
 0.75 0.83 0.83 0.76 0.74
Debt-to-Capital Ratio
 0.43 0.45 0.45 0.43 0.43
Long-Term Debt-to-Capital Ratio
 0.41 0.43 0.44 0.40 0.41
Financial Leverage Ratio
 3.01 3.29 3.22 3.08 3.16
Debt Service Coverage Ratio
 2.04 2.10 2.75 3.55 5.02
Interest Coverage Ratio
 4.76 4.74 8.27 9.97 13.59
Debt to Market Cap
 0.23 0.26 0.16 0.13 0.12
Interest Debt Per Share
 89.97 90.54 86.99 76.16 63.93
Net Debt to EBITDA
 2.17 2.34 1.84 1.16 1.08
Profitability Margins
Gross Profit Margin
18.80%18.53%22.33%24.48%24.56%
EBIT Margin
4.15%4.18%5.99%8.71%8.77%
EBITDA Margin
5.11%5.15%7.01%9.78%9.82%
Operating Profit Margin
4.19%4.24%8.07%8.71%8.77%
Pretax Profit Margin
3.24%3.28%5.01%7.83%8.13%
Net Profit Margin
2.68%2.69%3.60%6.02%6.21%
Continuous Operations Profit Margin
2.85%2.86%3.81%6.23%6.37%
Net Income Per EBT
82.75%82.03%71.77%76.88%76.38%
EBT Per EBIT
77.27%77.50%62.16%89.97%92.64%
Return on Assets (ROA)
3.85%3.89%4.83%8.18%8.19%
Return on Equity (ROE)
12.40%12.81%15.55%25.22%25.87%
Return on Capital Employed (ROCE)
9.49%9.74%16.60%18.53%18.17%
Return on Invested Capital (ROIC)
8.09%8.23%12.32%14.29%13.96%
Return on Tangible Assets
3.85%6.75%8.56%14.46%14.58%
Earnings Yield
3.57%4.01%3.07%4.58%4.06%
Efficiency Ratios
Receivables Turnover
 16.91 8.49 8.26 9.54 18.33
Payables Turnover
 9.21 9.59 4.53 8.78 4.31
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 41.59 37.93 32.46 32.01
Asset Turnover
 1.44 1.45 1.34 1.36 1.32
Working Capital Turnover Ratio
 -19.01 -21.16 -20.74 -18.22 -17.66
Cash Conversion Cycle
 -18.06 4.92 -36.31 -3.29 -64.83
Days of Sales Outstanding
 21.58 42.99 44.18 38.28 19.91
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 39.64 38.07 80.50 41.56 84.73
Operating Cycle
 21.58 42.99 44.18 38.28 19.91
Cash Flow Ratios
Operating Cash Flow Per Share
 25.44 21.65 26.05 31.32 28.06
Free Cash Flow Per Share
 21.61 17.66 22.29 27.67 25.06
CapEx Per Share
 3.83 3.98 3.77 3.65 3.00
Free Cash Flow to Operating Cash Flow
 0.85 0.82 0.86 0.88 0.89
Dividend Paid and CapEx Coverage Ratio
 2.01 1.71 2.19 2.86 2.98
Capital Expenditure Coverage Ratio
 6.64 5.44 6.92 8.58 9.35
Operating Cash Flow Coverage Ratio
 0.30 0.25 0.31 0.43 0.45
Operating Cash Flow to Sales Ratio
 0.05 0.04 0.06 0.08 0.08
Free Cash Flow Yield
5.84%5.35%4.41%5.26%4.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 27.86 24.92 32.62 21.83 24.61
Price-to-Sales (P/S) Ratio
 0.74 0.67 1.17 1.31 1.53
Price-to-Book (P/B) Ratio
 3.23 3.19 5.07 5.50 6.37
Price-to-Free Cash Flow (P/FCF) Ratio
 17.02 18.69 22.70 19.02 21.16
Price-to-Operating Cash Flow Ratio
 14.49 15.25 19.42 16.81 18.90
Price-to-Earnings Growth (PEG) Ratio
 -0.62 -1.62 -0.93 1.82 1.41
Price-to-Fair Value
 3.23 3.19 5.07 5.50 6.37
Enterprise Value Multiple
 16.73 15.37 18.58 14.60 16.63
Enterprise Value
 386.43B 354.42B 521.54B 530.57B 529.45B
EV to EBITDA
 16.81 15.37 18.58 14.60 16.63
EV to Sales
 0.86 0.79 1.30 1.43 1.63
EV to Free Cash Flow
 19.65 22.05 25.19 20.66 22.62
EV to Operating Cash Flow
 16.69 17.99 21.55 18.25 20.20
Tangible Book Value Per Share
 115.74 -32.17 -29.51 -21.56 -22.92
Shareholders’ Equity Per Share
 114.17 103.42 99.74 95.64 83.27
Tax and Other Ratios
Effective Tax Rate
 0.12 0.13 0.24 0.21 0.22
Revenue Per Share
 494.19 491.83 430.87 400.45 347.07
Net Income Per Share
 13.24 13.25 15.51 24.12 21.54
Tax Burden
 0.83 0.82 0.72 0.77 0.76
Interest Burden
 0.78 0.79 0.84 0.90 0.93
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.03 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.81 1.54 1.59 1.30 1.30
Currency in USD