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 ?6.0%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.380
Beta (levered) ?0.483
Terminal OM% ?14.0%
Segment conc. ?94% dominant
Terminal growth ?4.1%
Bond rating ?A · 1.20%
ROIC option ?Opt 4 · 20.7%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

UNH · UnitedHealth Group Incorporated

$277.262026-05-17
Sector: Healthcare; Industry: Medical - Healthcare Plans; Sub-Industry: Managed Health Care

Intrinsic Value Range Comparison · Mulya.ai

Bull
$1849
+567.0% vs market
Base · active
$924
+233.2% vs market
Bear
$905
+226.5% vs market
Mulya.ai vs Analyst IV Comparison?
Market $277
Median $391
Bear $905
Base $924
Bull $1849
Market Price $277
Mulya.ai Base $924
Analysts Median $391
Mulya.ai IV range ($905 · $1849)
Analysts Range ($327 · $444)
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
2021.Q4$287.6B8.3%20.5%$19.1B−$2.6B$16.4B3.7%20.3%$93.9B$18.99
2022.Q4$324.2B12.7%8.8%21.7%$22.3B−$18.6B$3.7B5.5%22.1%$107.5B$22.11
2023.Q4$371.6B14.6%8.7%20.5%$25.7B−$7.9B$17.8B5.4%22.4%$122.7B$24.59
2024.Q4$400.3B7.7%8.1%24.1%$24.5B−$13.6B$10.9B6.1%18.6%$140.4B$15.83
2025.Q4$447.6B11.8%4.2%12.9%$16.5B−$1.5B$15.0B6.0%11.6%$144.4B$13.2513.3
italics below = DCF projection · 10yr Rev CAGR: 4.3%
2026.Q4$441.4B+-1.4%4.2%13.6%$16.2B$0MM$16.2B6.3%$15.2B11.2%$144.4B$17.7615.6
2027.Q4$454.2B+2.9%6.2%14.3%$24.1B−$312MM$23.8B6.5%$21.0B16.7%$144.7B$26.4810.5
2028.Q4$481.5B+6.0%8.1%15.0%$33.3B−$1.2B$32.1B6.7%$26.6B22.9%$145.9B$36.627.6
2029.Q4$509.8B+5.9%10.1%15.7%$43.4B−$81.0B−$37.7B7.0%−$29.2B23.3%$227.0B$47.665.8
2030.Q4$539.7B+5.9%14.0%16.4%$63.1B−$46.3B$16.8B7.2%$12.1B25.2%$273.3B$69.394.0
Term. Yr+$710.5B4.1%14.0%20.0%$79.6B−$15.7B$63.8B8.6%$700.2B20.7%
Active scenario IV: $924 (+233.2% vs market)