Mulya.ai
Ticker
UNH
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?hist_ind
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?7.2%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.650
Beta (levered) ?0.765
Terminal OM% ?14.0%
Segment conc. ?94% dominant
Terminal growth ?4.1%
Bond rating ?A · 1.20%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

UNH · UnitedHealth Group Incorporated

$427.892026-07-21
Sector: Healthcare; Industry: Medical - Healthcare Plans; Sub-Industry: Managed Health Care

Intrinsic Value Range Comparison · Mulya.ai

Bull
$1539
+259.6% vs market
Base · active
$1067
+149.3% vs market
Bear
$978
+128.6% vs market
Mulya.ai vs Analyst IV Comparison?
Market $428
Median $432
Bear $978
Base $1067
Bull $1539
Market Price $428
Mulya.ai Base $1067
Analysts Median $432
Mulya.ai IV range ($978 · $1539)
Analysts Range ($361 · $492)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$371.6B8.7%25.9%$24.0B−$18.8B$5.2B6.8%18.8%$127.6B$24.59
2024.Q4$371.6B0.0%8.7%24.1%$24.6B−$13.6B$11.0B6.1%18.3%$140.4B$24.59
2025.Q1$400.3B7.7%8.1%18.6%$26.3B−$7.8B$18.5B7.2%18.6%$142.0B$15.83
2025.Q4$400.3B0.0%8.1%12.9%$28.1B−$1.5B$26.6B6.0%19.6%$144.4B$15.83
2026.Q1$449.7B12.4%4.2%12.0%$16.6B$2.7B$19.3B7.1%11.2%$150.6B$13.2420.7
italics below = DCF projection · 10yr Rev CAGR: 4.8%
2027.Q1$447.1B+-0.6%4.2%12.8%$16.3B$0MM$16.3B7.3%$15.2B10.8%$150.6B$17.9523.8
2028.Q1$462.8B+3.5%6.2%13.6%$24.6B−$60MM$24.5B7.4%$21.3B16.3%$150.6B$27.0415.8
2029.Q1$490.1B+5.9%8.1%14.4%$34.0B−$204MM$33.8B7.5%$27.3B22.6%$150.8B$37.4111.4
2030.Q1$522.9B+6.7%10.1%15.2%$44.7B−$11.8B$32.9B7.7%$24.7B28.5%$162.6B$49.118.7
2031.Q1$558.5B+6.8%14.0%16.0%$65.7B−$13.1B$52.6B7.8%$36.6B38.8%$175.7B$72.205.9
Term. Yr+$748.5B4.1%14.0%20.0%$83.8B−$14.6B$69.3B8.6%$721.2B23.6%
Active scenario IV: $1067 (+149.3% vs market)