Answered on the record on 30 October 2026, from the files as they stood that day What the grade is made of
Unitedhealth Group Incorporated is graded 5.2 of 10, blending 4.8 for its past, 5.5 for its present and 5.3 for its future. All nine metrics behind it are read as filed from the record, and none is a CrossAssetData estimate.
How this list was made. The grade blends nine metrics, three for each tense; each ranks the company within its family, Hospital & Medical Service Plans, as a percentile, and scores the rank out of 10. The tenses are weighted by the kind of business, here an insurance business: the past at 40 percent, the present at 35 percent and the future at 25 percent. A metric reads as filed when it is arithmetic on the filed record, and as a CrossAssetData estimate, with its because, only where the record cannot read it.
- UNHSurviving crises past, 2.5 of 10, read as filedFilings since 2017 show 3 warning events, all reports of a material cybersecurity incident (8-K item 1.05), the latest on 24 April 2024. Their burden of 1 point, weighted by kind and age, ranks at the 25th percentile among 10; fewer points read higher.
- UNHTrack record past, 6.1 of 10, read as filedRevenue as filed went from $185 billion in fiscal 2016 to $448 billion in fiscal 2025, up 10.3% a year, rising every year and profitable in all 10. That ranks at the 61st percentile among 10 in its family.
- UNHShareholder treatment past, 5.9 of 10, read as filedOver the 3 fiscal years to 31 December 2025 the diluted share count shrank about 1.4% a year, and dividends and buybacks returned about 61% of operating cash flow. That ranks at the 59th percentile among 9 in its family.
- UNHFinancial health present, 6.5 of 10, read as filedIn the fiscal year ended 31 December 2025, return on equity was about 12 cents of profit per dollar of shareholders' money, and leverage about 68 cents owed per dollar of assets. That ranks at the 65th percentile among 10 in its family.
- UNHIndustry position present, 6.8 of 10, read as filedRevenue of $448 billion in fiscal 2025 ranks in the top 5% of its family by size, a net margin of 2.7% in the top 15%. Three-year growth of 11.3% a year ranks in the bottom 25%; overall, the 68th percentile among 10.
- UNHLeadership present, 1.6 of 10, read as filedNo one files under a chief executive's title, so that part is not read. The 17 people in charge have a median of 4.5 years on the record, bottom 28%, and 13 officer or director changes since 30 October 2023 rank in the bottom 5%.
- UNHRoom to expand future, 5.8 of 10, read as filedIn fiscal 2025, debt of $72 billion above cash of $24 billion ranks in the bottom 25% of its family. Cash from operations less capital spending, 3.6% of revenue, and a gross margin of 88.7% both rank in the top 25%.
- UNHGrowth drivers future, 6.2 of 10, read as filedRevenue grew 11.3% a year over the last three filed years against 10.3% over all 10, speeding up, and capital spending grew 8.9% a year, in the top 15% of its family. Overall it ranks at the 62nd percentile among 10.
- UNHExpectations vs reality future, 3.8 of 10, read as filedRevenue of $448 billion in fiscal 2025 came in 0.6% above the $445 billion its prior three years' pace pointed to. Net income was $12 billion against a prior three-year average of $19 billion, and the net margin 2.7% against 5.3%, in the bottom 15%.
Where it reads highest and lowest
The highest readings are Industry position at 6.8 and Financial health at 6.5, both in the present tense. The lowest are Leadership at 1.6, in the same tense, and Surviving crises at 2.5, a past reading. The past, at 4.8 the lowest of the three tenses, carries the most weight for an insurance business, 40 percent.
What the grade reads
Each metric is read through 29 October 2026. The metrics on the filed statements read the newest annual report on file, the 10-K for the fiscal year ended 31 December 2025, filed on 2 March 2026.
By the desk, an AI model, from the record alone (ruling 162). Every figure is a field of the files named above, matched by value when the answer was staged. Nothing here is advice, and nothing here is a price.
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