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STOCKS

UnitedHealth (UNH)

NYSE:UNH

UNH

UnitedHealth

RESEARCH TOOLSreports

UnitedHealth (UNH) Ratios

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22,853 Followers

UnitedHealth Ratios

UNH's free cash flow for Q3 2025 was $0.18. For the 2025 fiscal year, UNH's free cash flow was decreased by $ and operating cash flow was $0.04. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.82	0.83	0.79	0.77	0.79
Quick Ratio	0.82	0.83	0.79	0.77	0.79
Cash Ratio	0.26	0.24	0.26	0.26	0.27
Solvency Ratio	0.10	0.09	0.15	0.15	0.15
Operating Cash Flow Ratio	0.18	0.23	0.29	0.29	0.29
Short-Term Operating Cash Flow Coverage	2.71	5.33	6.80	8.43	6.17
Net Current Asset Value	$ -114.39B	$ -109.91B	$ -96.36B	$ -90.29B	$ -73.97B
Leverage Ratios
Debt-to-Assets Ratio	0.25	0.26	0.23	0.23	0.22
Debt-to-Equity Ratio	0.79	0.83	0.70	0.74	0.64
Debt-to-Capital Ratio	0.44	0.45	0.41	0.43	0.39
Long-Term Debt-to-Capital Ratio	0.42	0.44	0.40	0.41	0.37
Financial Leverage Ratio	3.10	3.22	3.08	3.16	2.96
Debt Service Coverage Ratio	2.28	2.75	3.53	5.02	4.26
Interest Coverage Ratio	6.54	8.27	9.97	13.59	14.44
Debt to Market Cap	0.27	0.16	0.13	0.12	0.10
Interest Debt Per Share	92.69	86.99	70.89	63.93	50.54
Net Debt to EBITDA	1.73	1.84	1.14	1.08	0.91
Profitability Margins
Gross Profit Margin	19.70%	22.33%	23.64%	24.09%	23.60%
EBIT Margin	6.06%	5.99%	7.77%	0.00%	0.00%
EBITDA Margin	7.05%	7.01%	8.85%	9.88%	9.49%
Operating Profit Margin	6.06%	8.07%	8.80%	8.83%	8.40%
Pretax Profit Margin	5.10%	5.01%	7.92%	8.18%	7.82%
Net Profit Margin	4.04%	3.60%	6.09%	6.25%	6.06%
Continuous Operations Profit Margin	4.22%	3.81%	6.30%	6.41%	6.22%
Net Income Per EBT	79.20%	71.77%	76.88%	76.38%	77.48%
EBT Per EBIT	84.26%	62.16%	89.97%	92.64%	93.07%
Return on Assets (ROA)	5.58%	4.83%	8.18%	8.19%	8.15%
Return on Equity (ROE)	18.60%	15.55%	25.22%	25.87%	24.09%
Return on Capital Employed (ROCE)	13.20%	16.60%	18.53%	18.17%	17.90%
Return on Invested Capital (ROIC)	10.51%	12.32%	14.38%	13.96%	13.85%
Return on Tangible Assets	9.66%	8.56%	14.46%	14.58%	13.68%
Earnings Yield	5.92%	3.07%	4.58%	4.06%	3.65%
Efficiency Ratios
Receivables Turnover	19.19	8.26	9.43	10.58	10.16
Payables Turnover	8.70	4.53	8.78	4.31	4.44
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	37.93	32.10	31.81	31.81
Asset Turnover	1.38	1.34	1.34	1.31	1.34
Working Capital Turnover Ratio	-23.18	-20.74	-18.02	-17.55	-16.19
Cash Conversion Cycle	-22.95	-36.31	-2.86	-50.23	-46.34
Days of Sales Outstanding	19.02	44.18	38.70	34.50	35.93
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	41.97	80.50	41.56	84.73	82.27
Operating Cycle	19.02	44.18	38.70	34.50	35.93
Cash Flow Ratios
Operating Cash Flow Per Share	23.08	26.05	31.32	28.06	23.69
Free Cash Flow Per Share	19.13	22.29	27.67	25.06	21.09
CapEx Per Share	3.95	3.77	3.65	3.00	2.60
Free Cash Flow to Operating Cash Flow	0.83	0.86	0.88	0.89	0.89
Dividend Paid and CapEx Coverage Ratio	1.83	2.19	2.86	2.98	2.89
Capital Expenditure Coverage Ratio	5.84	6.92	8.58	9.35	9.10
Operating Cash Flow Coverage Ratio	0.26	0.31	0.46	0.45	0.49
Operating Cash Flow to Sales Ratio	0.05	0.06	0.08	0.08	0.08
Free Cash Flow Yield	5.86%	4.41%	5.26%	4.73%	4.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	16.86	32.62	21.83	24.61	27.39
Price-to-Sales (P/S) Ratio	0.68	1.17	1.33	1.54	1.66
Price-to-Book (P/B) Ratio	2.92	5.07	5.50	6.37	6.60
Price-to-Free Cash Flow (P/FCF) Ratio	17.03	22.70	19.02	21.16	23.81
Price-to-Operating Cash Flow Ratio	14.15	19.42	16.81	18.90	21.19
Price-to-Earnings Growth (PEG) Ratio	-0.99	-0.93	1.82	1.41	2.18
Price-to-Fair Value	2.92	5.07	5.50	6.37	6.60
Enterprise Value Multiple	11.26	18.58	16.17	16.63	18.40
Enterprise Value	349.54B	521.54B	525.67B	529.45B	498.15B
EV to EBITDA	11.45	18.58	16.17	16.63	18.40
EV to Sales	0.80	1.30	1.43	1.64	1.75
EV to Free Cash Flow	20.12	25.19	20.47	22.62	25.05
EV to Operating Cash Flow	16.68	21.55	18.08	20.20	22.30
Tangible Book Value Per Share	-34.75	-29.51	-21.56	-22.92	-9.93
Shareholders’ Equity Per Share	111.86	99.74	95.64	83.27	76.10
Tax and Other Ratios
Effective Tax Rate	0.17	0.24	0.21	0.22	0.21
Revenue Per Share	479.25	430.87	396.05	344.90	302.52
Net Income Per Share	19.37	15.51	24.12	21.54	18.33
Tax Burden	0.79	0.72	0.77	0.76	0.77
Interest Burden	0.85	0.84	1.02	0.00	0.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	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	1.16	1.59	1.30	1.27	1.26

Currency in USD