What Is UNH Fair Value?
UnitedHealth Group Inc. (UNH) fair value estimate using multiple valuation models, updated daily.
As of October 31, 2026, UnitedHealth Group Inc. (UNH) has a composite fair value estimate of $1,151.23 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $406.97, suggesting the stock is undervalued by 182.9%.
Data as of October 31, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$1,151.23
vs. current price of $406.97(+182.9%)
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 →
$2,050.14
+403.8%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 →
$991.87
+143.7%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 →
$231.27
-43.2%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.
$401.84
-1.3%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 $406.97 is 403.8% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $31.67B | $29.54B |
| Year 2 | $37.85B | $32.93B |
| Year 3 | $45.24B | $36.71B |
| Year 4 | $54.07B | $40.92B |
| Year 5 | $64.62B | $45.61B |
| Year 6 | $77.23B | $50.84B |
| Year 7 | $92.30B | $56.67B |
| Year 8 | $110.32B | $63.17B |
| Year 9 | $131.85B | $70.42B |
| Year 10 | $157.58B | $78.49B |
| Terminal Value | $3.42T | $1.71T |
What Are UNH's Key Financial Metrics?
Earnings & Growth
Current Price
$406.97
EPS (TTM)
$17.52
Forward P/E
17.5
Profit Margin
3.5%
Cash & Balance Sheet
Free Cash Flow
26.5B
EBITDA
28.9B
Book Value
$115.44
Total Debt
74.3B
What Do Analysts Say About UNH?
Low
$380.00
Average
$476.64
High
$531.00
Upside
+17.1%
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 $1,151.23. The stock is currently trading at $406.97, 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 $406.97 is 182.9% below our estimated fair value of $1,151.23.
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 $476.64, ranging from $380.00 to $531.00. This implies 17.1% upside from the current price.