6.2% Below Target

The consensus price target for UNH is $425.81, close to the current price of $400.96 (6.2% implied move). Based on 52 analyst estimates, the stock appears fairly valued near current levels.

UNH has a consensus rating of "Buy" based on 52 Wall Street analysts. The rating breakdown is predominantly bullish, with 43 Buy/Strong Buy ratings. The consensus 12-month price target of $425.81 implies 6.2% upside from current levels.

UNH trades at a forward P/E of 21.8029x, representing a moderate valuation. With analysts targeting $425.81 (6.2% implied move), the stock appears reasonably valued with upside.

The most bullish Wall Street analyst has a price target of $492 for UNH, while the most conservative target is $361. The consensus of $425.81 represents the median expectation. Our quantitative valuation model projects a bull case target of $890 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.

UNH is heavily covered by Wall Street, with 52 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 43 have Buy ratings, 5 recommend Hold, and 4 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.

The 12-month UNH stock forecast based on 52 Wall Street analysts shows a consensus price target of $425.81, with estimates ranging from $361 (bear case) to $492 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $675, with bear/bull scenarios of $425/$890.

Our quantitative valuation model calculates UNH's fair value at $675 (base case), with a bear case of $425 and bull case of $890. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 62/100.

UNH trades at a forward P/E ratio of 21.8x based on next-twelve-months earnings estimates compared to a trailing P/E of 30.3x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.

UNH appears fairly valued according to analysts, with a "Buy" rating and minimal upside to the $425.81 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.

UNH analyst price targets range from $361 to $492, a 31% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $425.81 consensus represents the middle ground. Our model's $425-$890 range provides an independent fundamental perspective.