Is UNH overvalued right now?
Based on our 2026 models, UnitedHealth Group Incorporated (UNH) appears overvalued at $396.59 with roughly 31.4% downside versus fair value. Confirm with valuation ratios and financials before acting.
UnitedHealth Group Incorporated (UNH) is currently Overvalued by 31.36%
Instant valuation answer
UnitedHealth Group Incorporated (UNH) appears overvalued by approximately 31.36% based on our live valuation percent and intrinsic value estimate derived from DCF, P/E Multiple, and P/S Multiple models. Valuation can still differ across analyst models, growth expectations, and risk assumptions.
- Downside (live) 31.36% (from live valuation API)
- Confidence (live) 8.5/10 (High conviction overvalued)
Confidence Score is based on the magnitude of upside or downside vs intrinsic value.
Fair value estimate
Unlock fair valueCurrent price
$396.59
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Why is UnitedHealth Group Incorporated overvalued or undervalued?
Intrinsic value work anchors UnitedHealth Group Incorporated on owner earnings and balance-sheet capacity; the current quote trades below that anchor, which frames the stock as relatively cheap on a fundamentals-first view.
Versus historical valuation bands, UNH is closer to the lower end of where this business has traded when profitability and growth were comparable—useful context before reading any single headline multiple.
Forward market expectations are muted: the price does not require heroic assumptions to converge with our fair-value zone, but sector peers and macro rates still deserve a quick sanity check on the company page.
Key metrics
- P/E ratio
- 30.7x
- Revenue growth (TTM y/y)
- 27%
- Profit margin
- 19.6%
- Fair value (model)
- Unlock
Frequently asked questions — UNH
What is UnitedHealth Group Incorporated's intrinsic value?
Our DCF, P/E Multiple, and P/S Multiple models estimate whether UNH trades above or below fair value. At $396.59, UnitedHealth Group Incorporated currently looks overvalued on this snapshot. Tickerplace Pro unlocks the full dollar fair value estimate.
How is UnitedHealth Group Incorporated's intrinsic value calculated?
Tickerplace calculates UNH's fair value using Discounted Cash Flow (DCF), P/E Multiple, and P/S Multiple models. We compare the resulting intrinsic value estimate to the live market price to flag undervalued or overvalued positioning.
Is UNH undervalued right now?
A stock is undervalued when price sits below a supportable fair value range. Check whether UNH's gap aligns with fundamentals using the ratios and financial links on this page.