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UnitedHealth Group Incorporated (UNH) — RQD Stock Rating Cockpit

$410.91 +0.94% NYSE • Public Delayed / 60s Snapshot

UnitedHealth Group Incorporated (UNH) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. Cash-backed 11% return on capital boosted by $1.37B (36C10G24K0111) in obligated U.S. government contracts. Even if the broader market gets choppy, the company’s underlying cash engine and big-money support put the odds in buyers’ favor.

ROARABLE B- • BUY Cap $364.66B

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B-

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

5-PILLAR SNOWFLAKE RADARRw B- · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+19.2% Base Target

WHALE OPTIONS TUG-OF-WAR:27% Call Buyers ($874.0K)

73% PutsMax Pain: $400.00

RSI-14 MOMENTUMBULLISH MOMENTUM

5630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.12>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE75% OF RANGE

L: $256$410.91H: $462

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (89% profit margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 24 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 32 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bullish on UNH

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

11.5% ROIC with 88.6% gross margin and 6.48% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (80)

Altman-Z 3.12 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (67)

Put/Call 0.88x with 24/40 institutional & insider flow.

Bull Case: Why Buyers Like UNH

✓Backed by newly obligated U.S. federal government contract revenue.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

🔴 SUNDAY NIGHT PREP • 7:00 PM ETHosted Live by Perry Belcher + Senior Cash-Flow & Income Strategist

Cash-Fortress Compounders: Collecting Safe Yield & Upside in UNH & Top A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on UNH and its top sector rival
✓The Top 5 Roarable A-Rated cash compounders with heavy executive & 13F accumulation
✓Includes free daily Morning Market Weather & signal upgrade/downgrade dispatch

RQD INSIDER CLUB UPGRADE$49/YEAR

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🤖 Try AI Indicator Builder ($49/yr VIP) →$100K Arena

UNH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.36%⚡ TESTING RESISTANCE

2026-10-30O $419.0H $420.9L $404.3C $407.0VOL 20.32M

RES: $407.5SUP: $348.4SMA50: $390.2SMA200: $362.8

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UNH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UNH Butterfly Map → + Track UNH →

Share Count & Dilution Monitor (#25)

-1.94% YoY Shares

SEC XBRL FY2024 → FY2025: Net share cannibal / buyback tailwind.

Reverse-DCF Expectations Hurdle (#30)

19.5%/yr Implied 5Y Growth

vs. +6.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UNH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

LLY → UNH Confirmed Filing

FDA label expansions of GLP-1 drugs into cardiovascular risk reduction, obstructive sleep apnea, and kidney disease unlock Medicare Part D statutory coverage, elevating UnitedHealthcare specialty drug costs.

AI Analyst Theses, Washington Policy & Company Video 🏛️ COMMENT_RULEMAKING: CMS Contract Year Medicare Advantage Capitation Benchmark & Part D GLP-1 Coverage Rulemaking (Centers for Medicare & Medicaid Services (HHS — 42 CFR Parts 422 & 423))

🎬 No recent verified company-specific video clip queued for UNH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

UNH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell UNH stock right now?

UnitedHealth Group Incorporated (UNH) currently earns a Roarable Rating of B- (Buy — BUY) with 70/100 RQD Confidence. Cash-backed 11% return on capital boosted by $1.37B (36C10G24K0111) in obligated U.S. government contracts.

What is UNH's 12-month price target and RQD AI Jury consensus?

UNH's 12-month base price target is $489.88 (range $431.19 to $531.31), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: UNH RQD Cockpit UNH 12M Forecast UNH Earnings & Move UNH Dividends & DRIP UNH Insiders & 13F UNH Whale Options UNH Profit Sankey UNH News & Why