UNH
UNH — Healthcare
Graham: 25
Buffett: 68
Lynch: 29
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. The company operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national...
Price ?
361.49
Market Cap ?
327.4B
P/E ?
15.65
P/B ?
3.45
Div Yield ?
2.38%
52W Range ?
234.60 - 630.73
200W MA ?
471.08
25
Graham-style buying rate (0-100)
Criteria breakdown
- ✓ Company size sufficient (large-cap) ? $327,391,936,512 — Uses market cap >= $2B as proxy
- ✗ Solid financial condition (CR>=2; LT debt <= NCAV) ? CR=0.85 | D/E=0.76 — Partial: checks current ratio; LT debt vs NCAV unavailable
- ✓ Uninterrupted dividends for 20 years ?
- ✓ No losses in last 10 years ? 10y window — Positive earnings for last 16y
- ✓ EPS growth >= 33% over 10 years ? ~158%
- ✗ Price-to-Book (P/B) <= 1.5 ? 3.45
- ✗ Price-to-Earnings (P/E) <= 15 ? 15.6 — Uses trailing P/E as proxy for 3y avg EPS
- ✗ Combined formula (P/E * P/B) <= 22.5 ? 54.0
- ✗ Margin of safety >= 20% ? -27% — Intrinsic via 5y avg EPS * 15
- ✓ High ROE maintained without excessive debt ? ROE=21.7% | D/E=0.76 — Approximate threshold ROE = 15%, D/E = 1.0
What is evaluated (Graham):
- Valuation discipline and buying below intrinsic value.
- Financial resilience: liquidity and prudent leverage.
- Consistent dividends and earnings over long horizons.
"The intelligent investor is a realist who sells to optimists and buys from pessimists." — Benjamin Graham
68
Buffett-style buying rate (0-100)
Criteria breakdown
- ✗ Positive and growing FCF (multi-year) ? 32,454,000,000 -> 27,703,000,000
- ✓ ROIC >= 12% sustained ? 33.2%
- ✓ High ROE (proxy for durable advantages) ? 21.7% — Consistency over years not checked
- ✗ Net profit margin >= 10% ? 5.0% — Derived from available financial filings
- ✓ Conservative leverage (D/E <= 1.0) ? 0.76
- ✓ Sustainable shareholder returns (dividend > 0%) ? 2.38% — Does not assess buybacks or payout safety
What is evaluated (Buffett):
- Durable advantages: high ROE, healthy margins.
- Balance discipline and shareholder friendly capital use.
- Positive free cash flow and efficient reinvestment.
"It is far better to buy a wonderful company at a fair price than a fair company at a wonderful price." — Warren Buffett
29
Lynch-style buying rate (0-100)
Criteria breakdown
- ? PEG ratio (P/E / growth) <= 1.0 ? — needs positive EPS growth
- ✗ Positive multi-year EPS growth (per-year >= 10%) ? ~-0.8%/yr
- ✗ Conservative leverage (D/E <= 0.5) ? 0.76
- ✓ Sustainable profitability (net margin >= 5%) ? 5.0%
- ✓ Earnings stability (no losses in 10y) ? 10y window
What is evaluated (Lynch):
- Growth at a reasonable price (PEG and EPS CAGR).
- Durable earnings with limited drawdowns.
- Conservative balance sheet and baseline profitability.
"Know what you own, and know why you own it." — Peter Lynch