Stock Ratings / Health Care / UNH / dividends

MRK (75) PM (81) NVS (66) AZN (62) ⌘ Pro Terminal →

UnitedHealth Group Incorporated (UNH) Dividend Safety Gauge & 10-Year DRIP Compounder

$410.91 +0.94% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

UnitedHealth Group Incorporated (UNH) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $368.83B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+19.2% Base Target

WHALE OPTIONS POSITIONING:27% Calls ($874.0K)

73% PutsMax Pain: $400.00

CASH DIVIDEND + BUYBACK YIELD

3.8% Total Yield

2.28% Cash ($9.28/yr) + 1.52% Buybacks

PAYOUT SAFETY SPEEDOMETER

95/100 • FORTRESS

FREE CASH FLOW PAYOUT RATIO

33.5% of FCF

15 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,419

Est. Year-10 Shareholder Yield: $776/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.5K

Yr 2

$12.4K

Yr 3

$13.3K

Yr 4

$14.3K

Yr 5

$15.3K

Yr 6

$16.5K

Yr 7

$17.7K

Yr 8

$19.0K

Yr 9

$20.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in UNH & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on UNH and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

UNH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.14%📐 HORIZONTAL RANGE

2026-11-01O $407.1H $410.9L $407.1C $410.9VOL 3.80M

RES: $433.2SUP: $344.9SMA50: $360.1SMA200: $447.1

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 →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UNH)

Health Care Rank #85 of 188 ⚔️ MRK vs UNH Full Matrix →

1. Head-to-Head Health Care Peer Comparison (UNH vs. MRK, PM, NVS, AZN)

Industry: Managed Health Care, Medicare Advantage & Optum Services (1 Tracked Issuers)

Across 188 tracked Health Care securities in the Roarable RQD universe, UnitedHealth Group Incorporated (UNH) ranks #85 by composite RQD confidence (65/100, grade C) and #4 by equity capitalization ($368.83B). Within this direct 5-issuer industry benchmark cohort, MRK leads on earnings valuation at 19.8x trailing P/E, while PM leads on capital efficiency and profitability with 45.3% ROIC and 67.1% gross margin. PM currently holds the highest overall quantitative score in the immediate peer group at 81/100 (A-) compared with UNH at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UNH ACTIVE UnitedHealth Group Incorporated	C	65/100	25.8x	88.6%	11.5%	+0.94%	$368.83B	Benchmark Subject
MRK Merck & Company Inc.	B	75/100	19.8x	74.8%	20.7%	+3.83%	$361.02B	/mrk-vs-unh →
PM Philip Morris International Inc	A-	81/100	28.6x	67.1%	45.3%	+2.89%	$324.98B	/pm-vs-unh →
NVS Novartis AG	C+	66/100	32.8x	—	9.9%	+3.22%	$307.40B	/nvs-vs-unh →
AZN AstraZeneca PLC	C	62/100	32.8x	—	9.9%	+2.89%	$270.45B	/azn-vs-unh →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2021–FY2025)

SEC EDGAR 10-K • FILED 2026-03-02 • CIK 0000731766

In its most recent audited fiscal period (FY2025, filed 2026-03-02), UnitedHealth Group Incorporated (UNH) reported GAAP revenue of $447.57B (+11.8% vs. FY2024 revenue of $400.28B , and +55.6% cumulative change since FY2021) , GAAP net income of $12.06B, operating cash flow of $19.70B, and free cash flow of $16.07B (-22.4% YoY). On the balance sheet, UNH closed FY2025 with $309.58B in total assets against $77.68B in total debt (Altman Z-Score: 3.12, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-03-02	$447.57B	$12.06B	$19.70B	$16.07B	$309.58B	$77.68B
FY2024 (FY)	2026-03-02	$400.28B	$14.40B	$24.20B	$20.70B	$298.28B	$76.18B
FY2023 (FY)	2026-03-02	$371.62B	$22.38B	$29.07B	$25.68B	$273.72B	$61.47B
FY2022 (FY)	2025-02-27	$324.16B	$20.12B	$26.21B	$23.40B	$245.71B	$56.76B
FY2021 (FY)	2024-02-28	$287.60B	$17.29B	$22.34B	$19.89B	$212.21B	$44.63B

3. UNH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UNH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, UnitedHealth Group Incorporated (NYSE: UNH) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $410.91 (+0.94% 1D, market cap $368.83B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 13/20. Active quantitative signal GOVT_CONTRACT (BULLISH, conviction undefined/100) notes: undefined.

How does UNH compare to MRK and PM in the Health Care sector?

Within the Health Care sector (Managed Health Care, Medicare Advantage & Optum Services), UNH carries a Roarable C (65/100 RQD), trailing P/E of 25.8x, gross margin of 88.6%, and ROIC of 11.5%. By comparison, MRK (Merck & Company Inc.) holds a B grade (75/100 RQD, P/E 19.8x, ROIC 20.7%, cap $361.02B) and PM (Philip Morris International Inc) posts a A- grade (81/100 RQD, P/E 28.6x, ROIC 45.3%, cap $324.98B). Among the 5-stock peer group, MRK leads on earnings multiple (19.8x) while PM leads on capital efficiency (45.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UNH?

Per UNH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-02, CIK 0000731766), UnitedHealth Group Incorporated generated $447.57B in revenue (+11.8% YoY), $12.06B in net income, and $16.07B in free cash flow against $309.58B in total assets and $77.68B in total debt. Key quantitative strengths: Backed by newly obligated U.S. federal government contract revenue.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Latest SEC insider/13F disclosure shows DeVeydt Wayne S (INSIDER) executed a SELL of 1,209 shares ($483.2K) on 2026-09-04.

Where is UNH trading relative to its 50-day, 200-day, and 52-week technical levels?

UNH last traded at $410.91 (+0.94% on volume of 3,795,874 shares), positioning the stock +14.12% above its 50-day simple moving average ($360.07) and -8.10% below its 200-day simple moving average ($447.14). Across its 52-week range of $234.60 to $630.73, UNH sits at the 44.5% percentile with a 14-day RSI of 59.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.7% ($383.38 to $438.44).

UNH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does UNH pay a dividend and is it safe?

UnitedHealth Group Incorporated (UNH) offers a 2.28% cash dividend yield ($9.28 annualized) and 3.8% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS.

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