UNH · Discounted Cash Flow Valuation

UnitedHealth DCF Valuation: Intrinsic Value Calculator

UnitedHealth Group Incorporated (UNH) DCF model with live financials. See the pre-loaded intrinsic value estimate below, then adjust growth and discount rate assumptions in the full calculator.

DCF Snapshot

Current Price$304.33

Market Cap$276.2B

TTM Free Cash Flow$13.9B

Intrinsic Value / Share$390.69

Upside / Downside+28.4%

Assumptions

FCF Growth Rate10%

Discount Rate (WACC)9.5%

Terminal Growth2.5%

Projection Period10 years

These are conservative starting assumptions. Adjust them in the full calculator to test your own thesis.

What Drives UnitedHealth's DCF

UnitedHealth's DCF rests on the dual engine of UnitedHealthcare (insurance, ~60% of revenue) and Optum (health services, technology, and pharmacy benefits). The integrated model creates a flywheel: Optum's data and care delivery capabilities reduce medical costs for the insurance arm. Key assumptions: revenue grows at high-single to low-double digits driven by Medicare Advantage enrollment, Optum Health's value-based care expansion, and aging US demographics that structurally increase healthcare demand.

Adjust these assumptions in the full DCF calculator →Get the full analysis →

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