What Is UNH Fair Value?
UnitedHealth Group Inc. (UNH) fair value estimate using multiple valuation models, updated daily.
As of August 1, 2026, UnitedHealth Group Inc. (UNH) has a composite fair value estimate of $871.33 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $414.40, suggesting the stock is undervalued by 110.3%.
Data as of August 1, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$871.33
vs. current price of $414.40(+110.3%)
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 →
$1,409.79
+240.2%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 →
$992.79
+139.6%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 →
$226.77
-45.3%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.
$340.87
-17.7%Overvalued
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 $414.40 is 240.2% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $26.68B | $24.86B |
| Year 2 | $31.27B | $27.14B |
| Year 3 | $36.64B | $29.64B |
| Year 4 | $42.95B | $32.37B |
| Year 5 | $50.34B | $35.35B |
| Year 6 | $59.00B | $38.61B |
| Year 7 | $69.15B | $42.16B |
| Year 8 | $81.05B | $46.04B |
| Year 9 | $94.99B | $50.28B |
| Year 10 | $111.33B | $54.91B |
| Terminal Value | $2.37T | $1.17T |
What Are UNH's Key Financial Metrics?
Earnings & Growth
Current Price
$414.40
EPS (TTM)
$13.26
Forward P/E
18.5
Profit Margin
3.1%
Cash & Balance Sheet
Free Cash Flow
22.8B
EBITDA
24.3B
Book Value
$115.36
Total Debt
73.3B
What Do Analysts Say About UNH?
Low
$313.00
Average
$475.23
High
$529.00
Upside
+14.7%
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 $871.33. The stock is currently trading at $414.40, 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 $414.40 is 110.3% below our estimated fair value of $871.33.
What do Wall Street analysts say about UNH?
26 analysts cover UnitedHealth Group Inc. with a consensus rating of "Buy." The average price target is $475.23, ranging from $313.00 to $529.00. This implies 14.7% upside from the current price.