UnitedHealth Group Incorporated (UNH) Total Return Calculator with Dividends Reinvested

UnitedHealth Group Incorporated

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The total return for UnitedHealth Group Incorporated (UNH) stock is +33.43% over the past 12 months. So far it's up 20.54% this year. The 5-year total return is +13.12%, meaning $10,000 invested in UNH stock 5 years ago would be worth $11,312 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in UNH 1 year ago, it would be worth $13,693 today — you'd have gained $3,693 with dividends reinvested.

With Dividends Reinvested$13,693+36.93%

Price Only (No DRIP)$13,335+33.35%

Dividend Boost+$3584 payments · +3.58% extra

Period2025-06-23 → 2026-06-18

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in UNH

1Y$13,343+$3,343 (+33.4%)33.4% CAGR

3Y$9,079-$921 (-9.2%)-3.2% CAGR

5Y$11,312+$1,312 (+13.1%)2.5% CAGR

10Y$33,081+$23,081 (+230.8%)12.7% CAGR

15Y$90,660+$80,660 (+806.6%)15.8% CAGR

20Y$107,034+$97,034 (+970.3%)12.6% CAGR

30Y$709,902+$699,902 (+6999.0%)15.3% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-09-15	$2.21	$347.89	+0.006353
2025-12-08	$2.21	$323.62	+0.006872
2026-03-09	$2.21	$285.17	+0.007852
2026-06-15	$2.32	$411.04	+0.005763

Loading UNH total return...

As of 2026-06-21

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+20.54%	—	+19.19%	+1.35 pp	$12,054
1Y	+33.43%	33.43%	+30.52%	+2.91 pp	$13,343
3Y	-9.21%	-3.17%	-14.58%	+5.37 pp	$9,079
5Y	+13.12%	2.50%	+2.98%	+10.14 pp	$11,312
10Y	+230.81%	12.71%	+189.46%	+41.35 pp	$33,081
15Y	+806.60%	15.83%	+682.05%	+124.55 pp	$90,660
20Y	+970.34%	12.58%	+821.74%	+148.60 pp	$107,034
30Y	+6999.02%	15.27%	+6012.21%	+986.81 pp	$709,902

Risk & Highlights

Best Year+128.27%2000

Worst Year-53.06%2008

Max Drawdown-29.98%2025-10-08 → 2026-03-27 · Recovered 2026-04-29

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-12.16%	-12.82%	+0.7pp	+0.41%	-12.6pp
2025	-32.84%	-34.57%	+1.7pp	+16.64%	-49.5pp
2024	-4.69%	-6.21%	+1.5pp	+24.00%	-28.7pp
2023	+2.92%	+1.51%	+1.4pp	+24.81%	-21.9pp
2022	+6.83%	+5.55%	+1.3pp	-19.95%	+26.8pp

UNH outperformed the S&P 500 by 8.44pp over the past year (+33.43% vs +24.99%).

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UNH Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
UNHUnitedHealth Group Incorporated	$363.9B	+2.5%	+20.5%	+33.4%	+2.9pp	-9.2%	+13.1%	+230.8%
CVSCVS Health Corporation	$125.4B	+2.4%	+24.4%	+51.1%	+4.0pp	+54.6%	+34.2%	+29.2%
ELVElevance Health Inc.	$84.4B	-1.4%	+10.6%	+5.2%	+1.8pp	-6.8%	+13.4%	+227.7%
CICigna Corporation	$73.6B	-2.6%	+1.2%	-9.2%	+2.0pp	+9.8%	+31.7%	+140.6%
HUMHumana Inc.	$43.3B	+17.9%	+36.7%	+49.6%	+1.5pp	-16.9%	-10.9%	+103.9%
CNCCentene Corporation	$30.1B	+4.8%	+46.1%	+10.6%	—	-7.4%	-14.9%	+76.3%
MOHMolina Healthcare, Inc.	$10.2B	+5.7%	+9.5%	-33.8%	—	-29.9%	-18.4%	+275.7%
HCSGHealthcare Services Group, Inc.	$1.6B	+6.5%	+32.2%	+58.9%	—	+61.4%	-23.2%	-29.3%
OSCROscar Health, Inc.	$7.4B	+12.3%	+89.7%	+51.3%	—	+220.5%	+19.0%	-18.4%
CLOVClover Health Investments, Corp.	$2.6B	+47.5%	+107.5%	+68.4%	—	+488.0%	-58.5%	-51.0%
ALHCAlignment Healthcare, Inc.	$4.5B	+34.3%	+8.1%	+51.8%	—	+256.0%	-18.4%	+26.3%

Compare:UNH vs CVS UNH vs ELV UNH vs CI UNH vs CVS vs ELV

About UNH Dividend Returns

UnitedHealth Group Incorporated (UNH) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of UNH over the past year?

UnitedHealth Group Incorporated (UNH) delivered a total return of 33.43% over the past year when dividends are reinvested. The price-only return was 30.52%, meaning dividends contributed an additional 2.91 percentage points to total returns.

Q2How much would $10,000 invested in UNH be worth today?

A $10,000 investment in UnitedHealth Group Incorporated one year ago would be worth $13,343 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $13,052. Dividend reinvestment added $291 to the portfolio value.

Q3Does UNH pay dividends?

Yes, UnitedHealth Group Incorporated (UNH) pays dividends. In the last year, UNH paid approximately $8.70 per share in dividends (2.17% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did UNH beat the S&P 500?

Yes, UnitedHealth Group Incorporated (UNH) outperformed the S&P 500 by 8.44 percentage points over the past year. UNH delivered a total return of 33.43%, compared to the S&P 500's 24.99%. This 8.44pp alpha means investors in UNH earned more than a passive S&P 500 index fund.

Q5What is UNH's worst drawdown?

UnitedHealth Group Incorporated (UNH) experienced a maximum drawdown of -29.98% over the past year, declining from its peak on 2025-10-08 to its trough on 2026-03-27. The stock recovered to its prior peak by 2026-04-29. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is UNH's long-term total return over 10, 20, or 30 years?

Here are UnitedHealth Group Incorporated (UNH)'s long-term returns with dividends reinvested. Over 10 years, the total return is 230.8% (12.7% CAGR) — $10,000 would have grown to $33,081. Over 20 years: 970.3% total return (12.6% CAGR) — $10,000 → $107,034. Over 30 years: 6999.0% total return (15.3% CAGR) — $10,000 → $709,902. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was UNH's best and worst year?

UnitedHealth Group Incorporated's best calendar year was 2000 with a total return of 128.3%. Its worst year was 2008 with a total return of -53.1%. This range shows the volatility investors should expect — the difference between the best and worst year is 181.3 percentage points.

How much would $100/month in UNH be worth today?

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