UNH
UnitedHealth GroupBNYSE / Health Care Equipment & Services
Last Price
At close
2026-07-18
Current thesis
The Q2 print materially improved the setup: guidance was raised, Optum margin expanded, operating cash flow was $11.1 billion, and management cited continued simplification and affordability efforts. If the 86.7% medical cost ratio and Optum margin gains prove durable, the stock can move toward or above the $456.64 packet median target.
Posture
Constructive
Lead driver
Value
What changed
1 setup hits (3d) with net bullish as of 2026-07-16.
What can break
Execution risk remains across leadership changes, simplification initiatives, and Optum/UnitedHealthcare operations.
Momentum
63
Value
59
Sentiment
56
Setup hits (3d)
1 · Net Bullish
AI TargetsBase $460.00 · Bull $500.00 · Bear $365.00
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-16 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-17 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $456.64
Why
Momentum63 · Δ7d -15.0
Value59 · Δ7d +0.4
Sentiment56 · Δ7d +18.6
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
63
26% active weight
Current posture
7d trendSoftening
Δ7d
-15.0
Δ21d
-21.8
Value
59
39% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+0.9
Sentiment
56
34% active weight
Current posture
7d trendImproving
Δ7d
+18.6
Δ21d
+20.0
Why this grade
Composite grade B. Momentum 62.6 / Value 59.4 / Sentiment 56.3
Fundamentals (TTM)As of 2026-07-16
Fundamentals (TTM)
As of 2026-07-16
Market Cap
$384.49B
Beta
0.42
Shares Out
908.14M
P/E (TTM)
17.8
P/S (TTM)
0.71
P/FCF (TTM)
32.50
Rev YoY
+2.0%
EPS YoY
+0.7%
Gross Margin
-
Op Margin
+6.0%
Net Debt
$58.64B
Current Ratio
0.80
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology