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)
$183.39
Method range
$125.34 – $469.21
median $315.74
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 | $183.39 | -57.48% |
| Exit multiple | $448.09 | +3.89% |
| Analyst target | $469.21 | +8.79% |
| Graham number | $125.34 | -70.94% |
- Forward DCF$183.39
- Exit multiple$448.09
- Analyst target$469.21
- Graham number$125.34
Stock price
$431.31
FCF / share (TTM)
$11.32
3Y FCF CAGR
-4.0%
Fair value @ hist. growth
$131.01
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
11.2%
per year over your projection horizon
Margin of safety -229.2% vs hist-growth DCF
Historical 3Y CAGR
-4.0%
Your model implies
11.2%
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% | 7.4% | 6.3% | 5.0% | 3.6% | 1.8% |
| 6.8% | 10.3% | 9.4% | 8.4% | 7.2% | 6.0% |
| 7.8% | 12.8% | 12.1% | 11.2% | 10.3% | 9.3% |
| 8.8% | 15.1% | 14.5% | 13.8% | 13.0% | 12.2% |
| 9.8% | 17.3% | 16.7% | 16.1% | 15.5% | 14.7% |
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.
Net debt
$54B
Total debt − cash
Beta
0.63
Vs market benchmark
Frequently asked questions
UnitedHealth Group (UNH) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
- Buybacks2.96% TTM
- Dividend Profile2.08% yield
- Dividend Calculator
- Dividend Forecast
- Dividend Capture
- Stock Split History5 splits
How this company returns cash to shareholders — buybacks, dividends, and stock splits.