Valuation + Options Snapshot
UNH
$393.18 · 52-week range $255.96 – $461.62 · as of 2026-09-10
Value
Expensive
Volatility setup
Fair
What the numbers show
- P/E 25.3× vs 5y median 24.2× — 4.3% above its own history.
- FCF yield 6.7% — modest.
- Dividend yield 2.28% — well covered by TTM FCF (2.9×).
- YoY growth — revenue +6.5%, EPS -32.6%, FCF -6.5%.
- Share count down 2.5% over 8 quarters — modest buyback.
- ATM IV 32.3% vs trailing realized vol 35.5% — -3.2 vol points (roughly fair).
- Liquid chain — ATM-band put OI 76,584.
Current P/E
25.3×
5y median P/E
24.2×
vs 5y median
+4.3%
FCF yield
6.69%
Dividend yield
2.28%
Coverage (FCF / div)
2.9×
Revenue YoY
+6.5%
EPS YoY
-32.6%
FCF YoY
-6.5%
Shares Δ (8 quarters)
-2.5%
ATM implied vol
32.3%
Realized vol (1y)
35.5%
IV − RV
-3.2 pts
ATM-band put OI
76,584
Range position
35% above low
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This page is not a recommendation. It shows structural numbers and classification only. Whether UNH is a name worth owning — at any price or strike — is the analyst work the paid Value Options Letter does every week.