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UnitedHealth Group Inc
UNH : NYSE : Health Care
$114.41 up1.22 | 1.08%
Today's Range: 113.00 - 115.05
Avg. Daily Volume: 4,566,000
11/25/15 - 4:00 PM ET

Financial Analysis

UNITEDHEALTH GROUP INC's gross profit margin for the third quarter of its fiscal year 2015 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased. UNITEDHEALTH GROUP INC has weak liquidity. Currently, the Quick Ratio is 0.61 which shows a lack of ability to cover short-term cash needs. The company's liquidity has increased from the same period last year.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 1.56% from the same quarter last year. Overall, the key liquidity measurements indicate that the company is in a position in which financial difficulties could develop in the future.

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Income Statement Q3 FY15 Q3 FY14
Net Sales ($mil)41489.032759.0
EBITDA ($mil)3470.03276.0
EBIT ($mil)3018.02903.0
Net Income ($mil)1597.01602.0

Balance Sheet Q3 FY15 Q3 FY14
Cash & Equiv. ($mil)9925.09212.0
Total Assets ($mil)108272.085426.0
Total Debt ($mil)31782.017517.0
Equity ($mil)33114.032604.0

Profitability Q3 FY15 Q3 FY14
Gross Profit Margin23.5526.59
EBITDA Margin8.3610.0
Operating Margin7.278.86
Sales Turnover1.361.5
Return on Assets5.636.48
Return on Equity18.4316.97
Debt Q3 FY15 Q3 FY14
Current Ratio0.750.74
Interest Expense229.0152.0
Interest Coverage13.1819.1

Share Data Q3 FY15 Q3 FY14
Shares outstanding (mil)953.0962.0
Div / share0.50.38
Book value / share34.7533.89
Institutional Own % n/a n/a
Avg Daily Volume4715663.04165526.0


BUY. This stock's P/E ratio indicates a discount compared to an average of 21.67 for the Health Care Providers & Services industry and a discount compared to the S&P 500 average of 21.93. To use another comparison, its price-to-book ratio of 3.18 indicates a premium versus the S&P 500 average of 2.77 and a discount versus the industry average of 4.10. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, UNITEDHEALTH GROUP INC proves to trade at a discount to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
UNH 17.56 Peers 21.67   UNH 12.12 Peers 12.68

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

UNH is trading at a discount to its peers.


Average. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

UNH is trading at a valuation on par to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
UNH 15.15 Peers 17.58   UNH 1.67 Peers 1.48

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

UNH is trading at a valuation on par with its peers.


Premium. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

UNH trades at a premium to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
UNH 3.18 Peers 4.10   UNH 13.30 Peers 37.68

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

UNH is trading at a discount to its peers.


Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, UNH is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
UNH 0.72 Peers 0.79   UNH 14.65 Peers 15.65

Average. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

UNH is trading at a valuation on par with its industry on this measurement.


Average. Comparing a company's sales growth to its industry helps to determine if the company is adding or losing market share.

UNH is keeping pace with its peers on the basis of sales growth.



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