AINVESTOR

Is UNH a Buy? UnitedHealth Stock Analysis & Fair Value (2025)

Our model currently rates UNH as a Hold.

Get the latest investment score, DCF valuation, and buy/sell/hold insights for UnitedHealth Group Inc (UNH).

Last Analyzed: 28/11/2025

Stock Analysis & Score Explanation

UnitedHealth Group Inc (UNH)
$329.71
Fundament Score Analysis
60.9/100
Fair Value Analysis
Current Price
$329.71
Fair Value
$479.31
Undervalued by 45.4%
Hold recommendation based on:
  • ✓Fundament Score Analysis
  • ✓Fair Value Analysis
Confidence Level: –/10

Fair Value Analysis

Weighted Fair Value

$479.31

Based on Multiple Valuation Methods (Weighted Average)

Current Price

$329.71

Undervalued by 45.37%

Individual Valuation Methods:

Discounted Cash FlowOpen Discounted Cash Flow definition
DCF result outside reasonable valuation range
N/A
Peter Lynch Fair ValueOpen Peter Lynch Fair Value definition
Invalid fair value calculation result
N/A
Trading Multiples PEOpen Trading Multiples PE definition
Available
$440.69
Earnings Power ValueOpen Earnings Power Value definition
Available
$517.93

DCF Model Assumptions:

Growth Rate: %
Discount Rate: %
Terminal Growth: %
Projection: years

Stock Analysis & Score Explanation

This stock receives a score of 60.90/100 with a Hold recommendation. Financial health scored 45.68/55, competitive position 6.25/25, macro risk assessment 8.34/10, and risk-adjusted returns 0.64/10. The analysis considers current market conditions and fundamental metrics. This score reflects the financial health, growth potential, and overall valuation of the stock, helping investors determine whether it may be overvalued or undervalued. Learn more about the AInvestor Score and how it is calculated. See how we convert scores and fair-value signals into actionable labels in the AInvestor Recommendation glossary entry.

Undervalued by 45.37%. Our detailed stock valuation analysis indicates that undervalued at current market prices by 45.37%. The weighted fair value of $479.31 is calculated using multiple proven valuation methods, including Discounted Cash Flow (DCF), Peter Lynch Fair Value, Trading Multiples P/E, and Earnings Power Value (EPV). This comprehensive stock analysis is designed to guide informed investment decisions.