Stock Valuation / UNH
Is UnitedHealth Group Incorporated (UNH) Overvalued? Fair Value & 5-Year Target
UnitedHealth Group Incorporated trades at $377.76 (P/E 24.25). Our reference model estimates a fair value of $279.41 at its recent average P/E of 17.93.
| Current price | $377.76 |
|---|---|
| Current EPS | $15.58 |
| Current P/E | 24.25 |
| Average P/E | 17.93 |
| Fair value (at avg P/E) | $279.41 |
| Upside to fair value | -26.0% |
| Illustrative 5-yr target (25× P/E, 15% growth) | $783.42 |
What drives UNH's valuation
Changing either assumption moves the target: a higher P/E multiple or faster EPS growth raises fair value, a lower multiple or slower growth lowers it. The interactive dashboard lets you edit both and re-run the model instantly.
About UnitedHealth Group Incorporated
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. It operates through four segments: Optum Health, Optum Insight, Optum Rx; and UnitedHealthcare. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services with patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, public entities, life sciences companies and other organizations. T
Frequently asked questions
What is UNH's fair value?
At its recent average P/E of 17.93, UnitedHealth Group Incorporated (UNH) has a reference fair value of about $279.41, which is -26.0% versus the current price of $377.76.
Is UnitedHealth Group Incorporated (UNH) overvalued or undervalued?
Based on the average-P/E reference model, UnitedHealth Group Incorporated looks overvalued relative to fair value by roughly +26.0%. This is a model output, not investment advice — change the P/E and growth assumptions in the dashboard for your own view.
What is a 5-year price target for UNH?
Under an illustrative model of 25× P/E and 15% annual EPS growth, the implied 5-year target is $783.42. Adjust both inputs on the interactive page to match your assumptions.
Open the interactive UNH valuation dashboard →
Figures are for informational purposes only and are not investment advice. Data as of 2026-10-14.