Valuation models
price $406.97 · as of Nov 2, 2026
DCF · Perpetuity growth · 5yused446.85 – 752.74564.7328% undervaluedDCF · Perpetuity growth · 10y478.30 – 802.18603.0433% undervaluedDCF · EBITDA exit · 5y577.19 – 634.17604.9033% undervaluedDCF · EBITDA exit · 10y585.62 – 695.02637.6836% undervaluedP/E · peers224.49 – 895.97326.3525% overvaluedP/E · own history372.18 – 483.68416.882% undervaluedPEG—486.0316% undervaluedEV/EBITDA · peers246.93 – 426.27357.0314% overvaluedEV/Revenue · peers121.22 – 194.20142.08186% overvaluedEarnings power value254.17 – 414.07317.8828% overvaluedDividend discount183.54 – 438.81274.9948% overvaluedWall St. consensus target—499.0018% belowCost of capital (WACC)—7.38%—
DCF · Perpetuity growth · 5y leads for a mature, steady company — positive operating income and three years of positive free cash flow. How the headline model is chosen.
Model value · DCF · Perpetuity growth · 5y
564.73
UnitedHealth closed at $406.97 — undervalued by 28% vs model.
446.85the model's range752.74
DCF · Perpetuity growth · 5y leads for a mature, steady company — positive operating income and three years of positive free cash flow. From a five-year discounted cash flow.
Other models
142.08 – 637.68
Wall St. target
499.00 18% below
Below model, 1y
7 of 31 days
How it is valued
Valued asMature & stable
Low/slowing growth (~10% recent)Thin margins (2.7% net margin)Pays dividendsHighly cyclical earnings
Model estimates for research reference only, not investment advice. Every model rests on assumptions that may not match what happens; how each model works is in the manual.