InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$401.43

2026-10-16

Market Cap

$360.3B

Volume

8.1M

52-Wk High

$461.62

52-Wk Low

$255.97

Trailing PE

22.9

P/S

0.80

Gross Margin

22.8%

Net Margin

3.5%

ROE

16%

ROIC

10%

Piotroski

8/9

Altman Z

2.6

1-Yr Return

+13.3%

5-Yr Return

+85.9%

UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individual consumers. It also delivers specialized health coverage and wellness programs tailored for individuals aged 50 and older, addressing their needs for preventive and acute care, chronic disease management, and other age-specific health issues. This division further encompasses Medicaid plans, children's health insurance, dental benefits, and various hospital and clinical services. Optum Health focuses on delivering direct healthcare solutions and management services. It facilitates access to networks of specialist care providers, offers health management programs, direct care delivery, consumer engagement initiatives, and financial services. Its diverse clientele includes individuals (served directly through care systems), employers, insurance payers, and government organizations. Optum Insight specializes in providing technology, information, and consulting services to the healthcare industry. Its offerings include software and data products, advisory consulting arrangements, and outsourced managed services. Clients span hospital systems, physicians, health plans, governmental bodies, life sciences companies, and other relevant organizations. Finally, Optum Rx handles the company's pharmaceutical care services. This segment manages retail pharmacy networks, provides home prescription delivery, and offers specialty and compounding pharmacy capabilities. Leveraging its purchasing power and clinical expertise, Optum Rx also develops advanced programs related to step therapy, formulary management, medication adherence, and integrated disease and drug therapy management. UnitedHealth Group Incorporated, founded in 1977, has its corporate headquarters located in Minnetonka, Minnesota.

SectorHealthcareIndustryMedical - Healthcare PlansExchangeNYSEMarket Cap$360.3BEmployees390,000 (SEC-filed)CEOStephen J. HemsleyIPO1984-10-17CountryUS

1 Health Drive, Eden Prairie, MN 55344 · Tel 800 328 5979 · unitedhealthgroup.com

INSIDERSTREET SCORE51 / 100Street mean $477.46 (13 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$1M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · UNH +13.3% · S&P 500 +15.9% · spread -2.6pp

7 Years vs S&P 500 · UNH +85.9% · S&P 500 +189.9% · spread -104.0pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE51of 100

Score Breakdown

Profitability	30/100
Growth	35/100
Momentum	66/100
Quality	69/100
Earnings Quality	89/100
Balance Sheet	59/100
Value	54/100
Risk (safety)	65/100
Overall	50.5/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
CVS	52
ELV	57
CI	61
HUM	27
MRK	49
NVS	65
UNH	51

IS Score Trend — quarterly

15 quarters, 23 Q1 to 26 Q3. Peak 69 in 23 Q2, latest 51 — -18 since. Dropped below the 55 line in 25 Q4, at 44. Fell in 1 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY51 / 100IS Score 50.5 / 100 · -18.5 from peak of 69

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 82 / 100 · Power +65 · 19 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 51 and price structure at 82 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 50.5	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 44 → 44 → 50 → 51	the direction matters more than the level
Technical vote share back above 50%	now 100%	price structure no longer broken
Institutional holder count rises two quarters running	peak 3,649 → now 3,377	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)6 buys2026-06-04

Insider Buys (180d)0none disclosed

ETF Funds (30d)1635 up / 1366 downnet +269 funds

Institutions Added (13F)340managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 3,649 · latest 3,377 (-272 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	3,377	804.0M	$318.7B	89.1%
2026 Q1	3,037	747.2M	$193.8B	82.8%
2025 Q4	3,290	749.2M	$236.7B	83.1%
2025 Q3	3,141	731.8M	$243.4B	81.1%
2025 Q2	3,162	771.8M	$231.3B	85.6%
2025 Q1	3,577	810.2M	$407.9B	89.8%
2024 Q4	3,649	807.3M	$391.0B	89.5%
2024 Q3	3,441	814.0M	$451.3B	90.2%
2024 Q2	3,368	806.8M	$390.1B	89.5%
2024 Q1	3,349	804.6M	$377.5B	89.2%
2023 Q4	3,385	809.6M	$407.0B	89.8%
2023 Q3	3,105	804.6M	$387.5B	89.2%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Noseworthy John H	director	2026-10-01	A-Award	240	—	7,902
Montgomery Rice Valerie Md	director	2026-10-01	A-Award	257	—	8,180
Mcnabb Frederick William Iii	director	2026-10-01	A-Award	291	—	15,810
Gottlieb Scott	director	2026-10-01	A-Award	257	—	921
Gil Kristen	director	2026-10-01	A-Award	240	—	2,867
Garcia Paul R	director	2026-10-01	A-Award	155	—	4,077
Garcia Paul R	director	2026-10-01	A-Award	103	—	4,180
Flynn Timothy Patrick	director	2026-10-01	A-Award	262	—	11,205

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	3	2,469	$0.9M	Counted
F — Tax withholding	5	2,467	$1.0M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$0.9M3 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-08-21	Conway Patrick Hugh	1,169	$0.5M
2026-08-05	Conway Patrick Hugh	500	$0.2M
2026-04-23	Conway Patrick Hugh	800	$0.3M
2025-09-11	James P Schadt Trust Fbo Lauren C S Baker Uad 12-16-15	27	$0.0M
Trailing 12 mo	4 filings	2,496	$1M

Filed	Form	Reporting person	% of class	Shares
2026-08-07	SCHEDULE 13G	STATE STREET CORPORATION	5.00%	45.7M sh
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	7.50%	68.1M sh
2025-05-07	SCHEDULE 13G/A	The Vanguard Group	10.08%	91.8M sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Member	Chamber	Trade	Size band	Traded	Disclosed
Maria Elvira Salazar	House	SELL	$1,001 - $15,000	2026-09-24	2026-10-08
Kevin Hern	House	SELL	$15,001 - $50,000	2026-09-23	2026-10-14
Kevin Hern	House	SELL	$15,001 - $50,000	2026-09-23	2026-10-13
John Boozman	Senate	BUY	$1,001 - $15,000	2026-06-04	2026-07-13
Alan Armstrong	Senate	BUY	$15,001 - $50,000	2026-03-27	2026-07-21
Markwayne Mullin	Senate	BUY	$50,001 - $100,000	2026-02-25	2026-03-10

House 12-Mo66 trades33 purchases

Senate 12-Mo12 trades6 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)3,037

13F Shares747M82.8% of shares out

New / Closed196 / 391positions, QoQ

Increased / Reduced1,198 / 1,386positions, QoQ

Put/Call (13F)0.70option positions

Free Float99.8%895M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Ninety One Uk Ltd	1.3M	$465M
Assenagon Asset Management S.A.	853,517	$313M
Pinestone Asset Management Inc.	828,322	$304M
Davenport & Co Llc	531,134	$196M
Fort Washington Investment Advisor	480,050	$176M
Wealth Enhancement Advisory Servic	428,641	$150M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.4%	$10.5B
VTSAX	0.4%	$10.5B
VTI	0.4%	$10.5B
VSMPX	0.4%	$10.5B
VFIAX	0.5%	$8.7B
VFFSX	0.5%	$8.7B

13F Filers Holding UNH — quarterly

Institutional Put/Call — quarterly

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Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session55.6%2026-10-15

20-Day Avg44.0%50-day 40.2%

TrendRising20d vs 50d

By Market CenterQ: 56% · N: 50% · B: 47%latest session

Weekly Notional ($B)

Where UNH Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Ubsa Ubs Ats	9.1M	42 sh
Incr Intelligent Cross Llc	8.9M	38 sh
Sgmt Sigma X2	5.6M	41 sh
Ebxl Level Ats	5.2M	31 sh
Mlix Instinct X	3.2M	49 sh
Jpmx Jpm-X	3.1M	52 sh

Where a dollar of UnitedHealth Group Incorporated revenue goes. All values FY2025 filings, live.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

UNH (live moat model)Peer median: CVS · ELV · CI · HUM · MRK

Component scores from the live moat model. Peer median illustrative.

Moat score 39/100 — None; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Timothy John Noel	Chief Executive Officer of UnitedHealthcare Business
Wayne Scott DeVeydt	Chief Financial Officer
Patrick Hugh Conway	Chief Executive Officer of Optum
Christopher R. Zaetta	Executive Vice President, Chief Legal Officer & Corporate Secretary

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Quarterly EPS — Actual vs. Consensus

Beats (>2%)4 of 6recent quarters

Avg Surprise+8.3%

Next Report2027-01-20

Income Quality1.57OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+11.8%	+12.7%	+14.6%	+7.7%	+11.8%
Gross profit	+4.0%	+14.3%	+14.2%	-1.7%	-7.3%
Operating income	+7.0%	+18.6%	+13.8%	-0.2%	-41.3%
Net income	+12.2%	+16.4%	+11.2%	-35.6%	-16.3%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	287.6	324.2	371.6	400.3	447.6
Cost of revenue	217.9	244.5	280.7	310.9	364.7
Gross profit	69.7	79.6	91.0	89.4	82.9
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	0.0	0.0	0.0	0.0	0.0
Operating income	24.0	28.4	32.4	32.3	19.0
EBITDA	27.1	31.8	36.3	28.1	23.1
D&A	3.1	3.4	4.0	4.1	4.4
Pretax income	22.3	26.3	29.1	20.1	14.7
Income tax	4.6	5.7	6.0	4.8	1.9
Net income	17.3	20.1	22.4	14.4	12.1
Diluted EPS ($)	18.08	21.18	23.86	15.51	13.23
Diluted shares (M)	956	950	938	929	910

Operating CF$20B

CapEx$4B

Free cash flow$16B

SBC$1B

Buybacks$6B

Net cash change$3B

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	23.4	25.4	25.3	24.4
ST investments	4.5	4.2	3.8	3.8
Receivables (net)	17.7	39.0	48.5	52.7
Total current assets	69.1	78.4	85.8	90.6
PP&E (net)	10.1	11.5	10.6	10.8
Goodwill + intangibles	107.8	118.9	130.0	131.0
Total assets	245.7	273.7	298.3	309.6
Accounts payable	56.8	32.0	68.6	38.0
Short-term debt	3.1	5.3	4.5	6.1
Deferred revenue	3.1	3.4	3.3	3.4
Total current liabilities	89.2	99.1	103.8	114.9
Long-term debt	54.5	58.3	72.4	72.3
Total liabilities	159.4	174.8	195.7	207.9
Shareholders' equity	86.3	98.9	102.6	101.7

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	20.1	22.4	15.2	12.8
D&A	3.4	4.0	4.1	4.4
Stock-based compensation	0.9	1.1	1.0	1.0
Working capital change	2.2	1.6	(0.8)	2.3
Operating cash flow	26.2	29.1	24.2	19.7
Capital expenditures	(2.8)	(3.4)	(3.5)	(3.6)
Investing cash flow	(28.5)	(15.6)	(20.5)	(8.7)
Buybacks	(7.0)	(8.0)	(9.0)	(5.5)
Dividends paid	(6.0)	(6.8)	(7.5)	(7.9)
Debt issuance / (repay)	12.5	4.3	14.7	0.7
Financing cash flow	4.2	(11.5)	(3.5)	(11.6)
Free cash flow	23.4	25.7	20.7	16.1

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	25.2%	26.9%	26.9%	15.9%	12.9%	16%
ROA	8.4%	8.8%	8.6%	5.0%	4.0%	5.1%
ROIC	20.3%	20.7%	20.3%	17.5%	11.4%	10.0%
Gross margin	24.2%	24.6%	24.5%	22.3%	18.5%	22.8%
Operating margin	8.3%	8.8%	8.7%	8.1%	4.2%	5.3%
Net margin	6.0%	6.2%	6.0%	3.6%	2.7%	3.5%
EBITDA margin	9.4%	9.8%	9.8%	7.0%	5.2%	6.2%
FCF margin	6.9%	7.2%	6.9%	5.2%	3.6%	—
VALUATION
P/E	25.93	23.62	21.13	31.77	24.92	22.9
P/B	6.25	6.11	5.33	4.94	3.19	3.5
P/S	1.56	1.47	1.27	1.14	0.67	0.80
P/FCF	22.54	20.31	18.42	22.10	18.69	15.8
EV/EBITDA	17.37	15.86	14.06	18.00	15.21	14.6
EV/Revenue	1.64	1.56	1.37	1.26	0.78	0.9
Earnings yield	3.9%	4.2%	4.7%	3.1%	4.0%	4.39%
FCF yield	4.4%	4.9%	5.4%	4.5%	5.4%	6.33%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.79	0.77	0.79	0.83	0.79	0.74
Quick ratio	0.79	0.77	0.79	0.83	0.79	0.74
Debt / equity	0.64	0.74	0.76	0.83	0.83	0.71
Debt / assets	21.7%	23.5%	24.6%	25.8%	25.3%	23.8%
Net debt / EBITDA	0.82	0.93	1.04	1.70	2.18	1.73
Interest coverage	14.44	13.59	9.97	6.14	4.67	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	1.40	1.42	1.43	1.40	1.47	1.44
Receivables turnover	21.24	20.33	19.08	18.34	19.72	21.9
DSO (days)	17	18	19	20	19	17
DPO (days)	78	79	58	59	53	41
Cash conversion cycle	-61	-61	-39	-39	-35	-25
GROWTH (YoY)
Revenue growth	11.8%	12.7%	14.6%	7.7%	11.8%	—
Net income growth	12.2%	16.4%	11.2%	-35.6%	-16.3%	—
EPS growth	12.9%	17.4%	12.7%	-35.1%	-14.7%	—
FCF growth	-1.2%	17.7%	9.7%	-19.4%	-22.4%	—
PER SHARE ($)
EPS (diluted, TTM)	18.10	21.25	23.94	15.54	13.25	17.61
Book value / share	75.14	82.12	94.93	99.95	103.42	117.01
Revenue / share	301.15	342.30	397.46	431.80	491.83	498.51
FCF / share	20.83	24.71	27.47	22.34	17.66	25.31
Cash / share	25.03	29.47	31.69	31.41	30.90	31.65
SHAREHOLDER RETURN & SCORES
Buyback yield	1.1%	1.5%	1.7%	2.0%	1.8%	2.95%
Altman Z-Score	4.12	3.88	3.77	3.39	2.85	2.6
Piotroski F-Score	8	7	7	6	6	8/9
Beneish M-Score	-2.48	-2.36	-1.54	-2.34	-2.35	-3.21

Model	Score	Zone	Note
Piotroski F-Score	8 / 9	Strong
Altman Z-Score	2.6	Grey zone	Grey
Income quality	1.57	Cash-backed	OCF ÷ net income
Beneish M-Score	-3.21	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.80
Interest burden	0.83
Operating margin	5.3%
Asset turnover	1.43×
Financial leverage	3.14×
= ROE	16%

Growth Quality (live)	Value
Revenue stability	0.98
Earnings stability	0.04
Earnings persistence	0.96
Revenue CAGR 3y	7.7%
EPS CAGR 3y	-8.7%
FCF CAGR 3y	-4.8%

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Buyback Yield2.95%

Dividend Yield2.26%

Total Shareholder Return5.29%cash yield

SBC / Revenue0.2%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
CVS	$118.1B	24.1	6%	2.8%	+7.4%	8/9	+14.4%
ELV	$92.9B	19.0	11%	2.9%	+6.3%	6/9	+23.6%
CI	$79.9B	12.5	15%	2.3%	+7.7%	8/9	+4.5%
HUM	$49.6B	38.8	7%	1.7%	+18.3%	4/9	+54.6%
MRK	$360.1B	115.8	7%	-8.0%	+4.5%	4/9	—
NVS	$286.3B	22.9	31%	22.7%	+0.8%	5/9	—
ABBV	$504.4B	80.4	-206%	21.3%	+10.4%	7/9	—
AZN	$256.5B	24.7	22%	16.3%	+8.6%	9/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

52 Analysts

Str Sell (0)Sell (2)Hold (7)Buy (43)Str Buy (0)

Mean Target (qtr)$477.4613 targets

Target vs. Price+18.9%last-quarter mean

Next Report2027-01-20street $2.27

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$447.90B	$452.17B / $442.09B	$20.38	$20.89 / $19.76	17
FY2027	$463.04B	$478.35B / $453.94B	$23.15	$24.49 / $21.35	18
FY2028	$488.20B	$508.42B / $474.39B	$27.03	$29.05 / $23.21	15

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$465.38	+15.9%	8
Last Quarter	$477.46	+18.9%	13
Last Year	$440.67	+9.8%	58
All Time	$483.38	+20.4%	139

Rolling mean of published targets vs. last close $401.43. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

B

DCF

4/5

ROE

4/5

ROA

4/5

Debt/Eq

1/5

P/E

2/5

P/B

2/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

UNH +13.3% vs S&P 500 +15.9% — spread -2.6pp

Sector — XLV +24.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

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Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$378.57	+22.86	+6.04%	Above
SMA 50	$386.86	+14.57	+3.77%	Above
SMA 200	$358.77	+42.66	+11.89%	Above
EMA 9	$388.56	+12.87	+3.31%	Above
EMA 21	$383.59	+17.84	+4.65%	Above
EMA 50	$386.88	+14.55	+3.76%	Above
EMA 200	$374.34	+27.09	+7.24%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

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TECHNICAL VERDICTBULLISHPower Score +6519 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%100

Momentum 25%91

Volume 20%62

Volatility 10%100

Patterns 15%50

This Week100% bullishof 11 price-based votes

4 Weeks Ago18%+82 pts since

12 Weeks Ago55%+45 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$378.57

Price vs SMA 50$386.86

Price vs SMA 200$358.77

EMA 9/21 Cross388.6/383.6

SMA 50/200Golden

ADX DirectionADX 29

Supertrend$369

Parabolic SAR$376

SMA Slope1.230

RSI63.1

Stochastic K/D83/73

StochRSI K/D95/96

Williams %R-25

CCI228

TSI vs Signal7.1

CMO26.2

ROC7.94%

OBV SignalDistrib

Chaikin MF0.000

MFI64

Force Index23M

Elder Ray Bull28.78

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 73

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$406.93 / $413.86 / $421.05	S1 / S2	$399.74 / $392.81
Bollinger (20,2)	$357.86 – $399.29	Squeeze	Off
52-wk range	$255.97 – $461.62	Off 52-wk high	-13.0%
ATR (14)	$12.09 (3.0%)	Historical vol	26.2%

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-0.2%Jan50%

-2.8%Feb45%

+1.9%Mar62%

-0.3%Apr40%

+0.6%May65%

-0.1%Jun60%

+1.9%Jul70%

+2.8%Aug65%

-0.8%Sep40%

+3.2%Oct60%

+4.0%Nov75%

+2.5%Dec65%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	UNH	S&P 500
Weekly volatility (σ, 1y)	4.69%	1.83%
Best / worst week (1y)	+9.8% / -15.5%	—
Max drawdown (5y, monthly)	-55.6%	—
1-week VaR (95%)	-6.5%	—
Beta (5y)	0.62	1.00

UNH EQUITY WEATHER (LIVE)CLOUDY · +7

Trend+39

Momentum+54

Volume-30

Volatility-60

Breadth-30

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 806 stories, weekly buckets, −1 to +1.

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Overall+7.1-2.0 vs industry

Trend+38.6-0.4 vs industry

Momentum+54.2-1.8 vs industry

Volume-29.8-54.4 vs industry

Reading	UNH	Medical - Healthcare Plans n=28	Healthcare n=5,272	All US symbols n=70,435
Overall	+7.1	+9.1	-24.0	-20.5
Trend	+38.6	+39.0	-25.6	-21.3
Momentum	+54.2	+56.0	-28.5	-15.8
Volume	-29.8	+24.6	-25.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Stephen Hemsley Chief Executive Officer	$60.9M	0% equity+incentive
Andrew Witty Former Chief Executive Officer	$24.6M	70% equity+incentive
John Rex Former President and Chief Financia	$24.5M	46% equity+incentive
Timothy Noel Chief Executive Officer, United	$20.2M	83% equity+incentive
Patrick Conway, M.D. Chief Executive Officer	$19.9M	84% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	74
Social	61
Governance	75
Composite ESG	70

Composite ESG Trend

Filed	8-K contents	Items
2026-10-13	Earnings Release; Exhibits	2.02,9.01
2026-09-08	Regulation FD	7.01
2026-07-16	Earnings Release; Exhibits	2.02,9.01
2026-06-05	Shareholder Vote	5.07
2026-04-21	Earnings Release; Exhibits	2.02,9.01
2026-03-09	Regulation FD Disclosure	7.01
2026-03-02	Departure/Election of Directors; Appointment of Officers	5.02
2026-02-25	Departure/Election of Directors; Appointment of Officers	5.02

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Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2021-01-20 to 2026-10-13
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	110 rows · 1999 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-09-22 to 2026-10-01
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	3 rows · 2025-05-07 to 2026-08-07
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.