What Is UNH Fair Value?
UnitedHealth Group Inc. (UNH) fair value estimate using multiple valuation models, updated daily.
As of September 15, 2026, UnitedHealth Group Inc. (UNH) has a composite fair value estimate of $950.50 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $375.93, suggesting the stock is undervalued by 152.8%.
Data as of September 15, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$950.50
vs. current price of $375.93(+152.8%)
How Is UNH Fair Value Calculated?
Four independent models estimate what UNH is worth. Each uses different inputs and assumptions. The composite blends them by weight.
UNH Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$1,602.83
+326.4%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$992.23
+163.9%Undervalued
Inputs used
UNH Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$220.21
-41.4%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$346.52
-7.8%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $375.93 is 326.4% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $28.52B | $26.60B |
| Year 2 | $33.51B | $29.15B |
| Year 3 | $39.37B | $31.94B |
| Year 4 | $46.25B | $35.01B |
| Year 5 | $54.34B | $38.36B |
| Year 6 | $63.84B | $42.04B |
| Year 7 | $75.01B | $46.07B |
| Year 8 | $88.13B | $50.49B |
| Year 9 | $103.54B | $55.33B |
| Year 10 | $121.65B | $60.63B |
| Terminal Value | $2.65T | $1.32T |
What Are UNH's Key Financial Metrics?
Earnings & Growth
Current Price
$375.93
EPS (TTM)
$15.57
Forward P/E
16.7
Profit Margin
3.1%
Cash & Balance Sheet
Free Cash Flow
24.3B
EBITDA
26.7B
Book Value
$108.78
Total Debt
73.3B
What Do Analysts Say About UNH?
Low
$380.00
Average
$481.72
High
$529.00
Upside
+28.1%
UNH Fair Value FAQ
What is the fair value of UNH?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), UNH's estimated fair value is $950.50. The stock is currently trading at $375.93, which makes it undervalued by our analysis.
How is UNH's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is UNH overvalued or undervalued?
Based on our analysis, UNH is undervalued. The current price of $375.93 is 152.8% below our estimated fair value of $950.50.
What do Wall Street analysts say about UNH?
25 analysts cover UnitedHealth Group Inc. with a consensus rating of "Buy." The average price target is $481.72, ranging from $380.00 to $529.00. This implies 28.1% upside from the current price.