UNITEDHEALTH GROUP INC (UNH) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
UNH financial screening at a glance
Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
What the available screens say
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Business activity evidence
Activity assessment in progress
The supplied classification (Healthcare Plans) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.
Revenue segments: SEC filing extraction found 12 dimensioned facts; 0 have passed extraction review. No activity conclusion is made. Open the SEC annual filing.
View SEC-extracted business segments
- Unitedhealthcare — 77.1% of filing total · extraction pending
- Total Optum — 60.5% of filing total · extraction pending
- Optumrx — 34.6% of filing total · extraction pending
- Optumhealth — 22.8% of filing total · extraction pending
- Product — 11.9% of filing total · extraction pending
- Service — 8.5% of filing total · extraction pending
- Total Optum — 6.2% of filing total · extraction pending
- Optuminsight — 4.3% of filing total · extraction pending
- Optumhealth — 3.7% of filing total · extraction pending
- Unitedhealthcare — 2.3% of filing total · extraction pending
- Optuminsight — 1.4% of filing total · extraction pending
- Optumrx — 1.1% of filing total · extraction pending
Profile description reviewed: 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. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community health care programs. and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | 25.3% / 30% | 9.1% / 30% | 26.1% / 30% | N/A | INSUFFICIENT / NOT IMPLEMENTED* |
| FTSE | 25.3% / 33% | 9.1% / 33% | 26.1% / 50% | N/A | INSUFFICIENT / NOT IMPLEMENTED* |
Financial Highlights
Profitability
| Gross Margin | 19.7% | |
| Operating Margin | 7.1% | |
| Net Margin | 3.1% | |
| Return on Equity (ROE) | 14.2% | |
| Return on Assets (ROA) | 4.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $19.7B |
| Free Cash Flow | $16.1B |
| Total Debt | $78.4B |
| Debt-to-Equity | 69.2 |
| Current Ratio | 0.8 |
| Total Assets | $309.6B |
Price & Trading
| Last Close | $384.85 |
| 50-Day MA | $413.79 |
| 200-Day MA | $347.99 |
| Avg Volume | 5.9M |
| Beta | 0.6 |
|
52-Week Range
$255.97
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-08-24 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About UNITEDHEALTH GROUP INC (UNH)
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. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community health care programs. and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
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Frequently Asked Questions
Is UNITEDHEALTH GROUP INC (UNH) halal to invest in?
The current automated result is More financial data is needed. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is UNITEDHEALTH GROUP INC's debt ratio?
UNITEDHEALTH GROUP INC's debt ratio is 25.3% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are UNITEDHEALTH GROUP INC's key financial metrics?
UNITEDHEALTH GROUP INC has a market capitalization of USD 350161M in its listing currency, trailing P/E ratio of 25.1, and revenue of $447.6B. The company maintains a gross margin of 19.7% and a net margin of 3.1%. Return on equity stands at 14.2%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.