Last Price$467.1(1.7%)
Market Cap$436.0B
LTM FCF to Net Income
143.7%
5Y avg
119.3%
Medical - Healthcare Plans industry
median
107.1%
Stock quality & Intrinsic value
6/10
1.2% undervalued
UnitedHealth Group Incorporated FCF to Net Income
Annual
Quarterly
LTM
Industry median
Company stand-alone
Crunching data... Almost there!
| Dec'05 | Dec'06 | Dec'07 | Dec'08 | Dec'09 | Dec'10 | Dec'11 | Dec'12 | Dec'13 | Dec'14 | Dec'15 | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FCF to Net Income | 115.7% | 139.4% | 107.6% | 115.8% | 127.8% | 116.4% | 115.7% | 110.1% | 102.8% | 117.5% | 139.5% | 110.9% | 106.9% | 110.2% | 115.1% | 127.6% | 112.2% | 113.4% | 114.7% | 135.8% |
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Check the intrinsic value for UNH
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UnitedHealth Group Incorporated (UNH) FCF to Net Income comparison analysis
General
LTM FCF to Net Income
OTHER METRICS
Company name
Revenue growth
EPS growth
Net Income margin
UnitedHealth Group IncorporatedUNH
143.7%
8.9%
(35.7%)
3.6%
Median Peer Set
107.1%
7.2%
(2.4%)
1.1%
Oscar Health, Inc.OSCR
3,638.1%
56.5%
N/A
0.3%
Cigna CorporationCI
246.6%
8.4%
(18.9%)
2.6%
Bright Health Group, Inc.BHG
224.0%
(51.9%)
86.2%
(103.4%)
Humana Inc.HUM
196.5%
10.7%
(50.1%)
1.0%
CVS Health CorporationCVS
137.9%
4.2%
(43.6%)
1.2%
Elevance Health Inc.ELV
76.2%
3.2%
(0.0%)
3.4%
Molina Healthcare, Inc.MOH
46.1%
19.3%
9.2%
2.9%
Alignment Healthcare, Inc.ALHC
5.2%
27.2%
(4.8%)
(8.1%)
Centene CorporationCNC
(14.9%)
5.9%
27.4%
2.0%
Clover Health Investments, Corp.CLOV
(613.4%)
(41.5%)
(31.3%)
(10.5%)
UNH key stats
USD
Millions
Billions
Annual
Quarterly
Trailing
Key stats
Income statement
Balance sheet
Cash Flow Statement
Valuation
Ratios
Per share
Per employee
Dividends & Yields
| Dec'05 | Dec'06 | Dec'07 | Dec'08 | Dec'09 | Dec'10 | Dec'11 | Dec'12 | Dec'13 | Dec'14 | Dec'15 | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
% growth | 44,866.0 21.8% | 70,671.0 57.5% | 75,431.0 6.7% | 81,186.0 7.6% | 87,138.0 7.3% | 94,155.0 8.1% | 101,862.0 8.2% | 110,618.0 8.6% | 122,489.0 10.7% | 130,474.0 6.5% | 157,107.0 20.4% | 184,828.0 17.6% | 201,159.0 8.8% | 226,247.0 12.5% | 242,155.0 7.0% | 255,639.0 5.6% | 285,273.0 11.6% | 322,132.0 12.9% | 367,533.0 14.1% | 400,278.0 8.9% |
| Cost of Goods Sold (COGS) | 32,725.0 | 53,907.0 | 56,203.0 | 61,839.0 | 79,788.0 | 85,227.0 | 92,274.0 | 82,749.0 | 92,129.0 | 97,041.0 | 120,081.0 | 141,454.0 | 154,148.0 | 172,401.0 | 184,557.0 | 190,141.0 | 217,945.0 | 244,545.0 | 280,664.0 | 310,879.0 |
% margin | 12,141.0 27.1% | 16,764.0 23.7% | 19,228.0 25.5% | 19,347.0 23.8% | 7,350.0 8.4% | 8,928.0 9.5% | 9,588.0 9.4% | 27,869.0 25.2% | 30,360.0 24.8% | 33,433.0 25.6% | 37,026.0 23.6% | 43,374.0 23.5% | 47,011.0 23.4% | 53,846.0 23.8% | 57,598.0 23.8% | 65,498.0 25.6% | 67,328.0 23.6% | 77,587.0 24.1% | 86,869.0 23.6% | 89,399.0 22.3% |
| Operating Expenses | 7,267.0 | 10,651.0 | 11,379.0 | 14,084.0 | 991.0 | 1,064.0 | 1,124.0 | 18,615.0 | 20,737.0 | 23,159.0 | 26,005.0 | 30,094.0 | 31,802.0 | 36,502.0 | 37,913.0 | 44,595.0 | 45,682.0 | 51,182.0 | 54,511.0 | 57,112.0 |
| Research & Development Expenses (R&D) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Selling, General & Administrative Expenses (SG&A) | 7,134.0 | 9,981.0 | 10,583.0 | 13,103.0 | 12,734.0 | 14,270.0 | 15,557.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 54,628.0 | 57,112.0 |
% margin | 5,373.0 12.0% | 6,984.0 9.9% | 7,849.0 10.4% | 5,263.0 6.5% | 6,359.0 7.3% | 7,864.0 8.4% | 8,464.0 8.3% | 9,254.0 8.4% | 9,623.0 7.9% | 10,274.0 7.9% | 11,021.0 7.0% | 13,280.0 7.2% | 15,209.0 7.6% | 17,344.0 7.7% | 19,685.0 8.1% | 22,405.0 8.8% | 23,970.0 8.4% | 28,435.0 8.8% | 32,358.0 8.8% | 32,287.0 8.1% |
| Interest Income | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Interest Expense | 241.0 | 456.0 | 544.0 | 639.0 | 551.0 | 481.0 | 505.0 | 632.0 | 708.0 | 618.0 | 790.0 | 1,067.0 | 1,186.0 | 1,400.0 | 1,704.0 | 1,663.0 | 1,660.0 | 2,092.0 | 3,246.0 | (3,906.0) |
| Pre-tax Income | 5,132.0 | 6,528.0 | 7,305.0 | 4,624.0 | 5,808.0 | 7,383.0 | 7,959.0 | 8,622.0 | 8,915.0 | 9,656.0 | 10,231.0 | 12,213.0 | 14,023.0 | 15,944.0 | 17,981.0 | 20,742.0 | 22,310.0 | 26,343.0 | 29,112.0 | 20,071.0 |
% effective tax rate | 1,832.0 35.7% | 2,369.0 36.3% | 2,651.0 36.3% | 1,647.0 35.6% | 1,986.0 34.2% | 2,749.0 37.2% | 2,817.0 35.4% | 3,096.0 35.9% | 3,242.0 36.4% | 4,037.0 41.8% | 4,363.0 42.6% | 4,920.0 40.3% | 3,200.0 22.8% | 3,562.0 22.3% | 3,742.0 20.8% | 4,973.0 24.0% | 4,578.0 20.5% | 5,704.0 21.7% | 5,968.0 20.5% | (4,829.0) (24.1%) |
% margin | 3,300.0 7.4% | 4,159.0 5.9% | 4,654.0 6.2% | 2,977.0 3.7% | 3,822.0 4.4% | 4,634.0 4.9% | 5,142.0 5.0% | 5,526.0 5.0% | 5,625.0 4.6% | 5,619.0 4.3% | 5,813.0 3.7% | 7,237.0 3.9% | 10,558.0 5.2% | 11,986.0 5.3% | 13,839.0 5.7% | 15,403.0 6.0% | 17,285.0 6.1% | 20,120.0 6.2% | 22,381.0 6.1% | 14,405.0 3.6% |
| EPS | 2.44 | 3.09 | 3.55 | 2.45 | 3.27 | 4.14 | 4.81 | 5.38 | 5.59 | 5.78 | 6.10 | 7.37 | 10.95 | 12.45 | 14.55 | 16.28 | 18.33 | 21.54 | 24.12 | 15.51 |
| Diluted EPS | 2.31 | 2.97 | 3.42 | 2.40 | 3.24 | 4.10 | 4.73 | 5.28 | 5.50 | 5.70 | 6.01 | 7.25 | 10.72 | 12.19 | 14.33 | 16.03 | 18.08 | 21.18 | 23.86 | 15.51 |
% margin | 5,533.0 12.3% | 7,654.0 10.8% | 8,645.0 11.5% | 6,244.0 7.7% | 7,350.0 8.4% | 8,928.0 9.5% | 9,588.0 9.4% | 10,563.0 9.5% | 10,998.0 9.0% | 11,752.0 9.0% | 12,714.0 8.1% | 14,985.0 8.1% | 17,454.0 8.7% | 19,772.0 8.7% | 22,405.0 9.3% | 25,296.0 9.9% | 27,073.0 9.5% | 31,835.0 9.9% | 32,517.0 8.8% | 9,769.0 2.4% |
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FAQ
1) What is UnitedHealth Group Incorporated's FCF to Net Income?
As of today, Microsoft Corp's last 12-month FCF to Net Income is 143.7%, based on the financial report for Dec 31, 2024 (Q4’2024). The average annual FCF to Net Income for UnitedHealth Group Incorporated have been 118.6% over the past three years, and 125.2% over the past five years.
2) Is UnitedHealth Group Incorporated's FCF to Net Income Good?
As of today, UnitedHealth Group Incorporated's FCF to Net Income is 143.7%, which is higher than industry median of 107.1%. It indicates that UnitedHealth Group Incorporated's FCF to Net Income is Good.