Fair value (multi-method)
Four independent methods triangulate what UNH is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$157.59
Method range
$133.15 – $425.15
median $287.42
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $157.59 | -60.55% |
| Exit multiple | $425.15 | +6.43% |
| Analyst target | $417.25 | +4.45% |
| Graham number | $133.15 | -66.67% |
- Forward DCF$157.59
- Exit multiple$425.15
- Analyst target$417.25
- Graham number$133.15
Stock price
$399.47
FCF / share (TTM)
$8.95
3Y FCF CAGR
-4.0%
Fair value @ hist. growth
$104.62
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
13.1%
per year over your projection horizon
Margin of safety -281.8% vs hist-growth DCF
Historical 3Y CAGR
-4.0%
Your model implies
13.1%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -4% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 5.8% | 9.2% | 8.0% | 6.7% | 5.2% | 3.3% |
| 6.8% | 12.1% | 11.2% | 10.2% | 9.0% | 7.6% |
| 7.8% | 14.8% | 14.0% | 13.1% | 12.2% | 11.1% |
| 8.8% | 17.1% | 16.5% | 15.7% | 14.9% | 14.1% |
| 9.8% | 19.4% | 18.8% | 18.1% | 17.4% | 16.7% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
0.00
Low vs growth
Net debt
$54.0B
Total debt − cash
Beta
0.65
Vs market benchmark
Frequently asked questions
UnitedHealth Group (UNH) Key Financials
Charts, filings, and peer comparison for every metric
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