Based on Clarity's multi-model valuation engine, UNITEDHEALTH GROUP INC (UNH) has an estimated fair value of $216.45 per share, compared to its current market price of $286.48. The stock is currently trading 24.4% above Clarity's fair value estimate, resulting in a verdict of OVERVALUED.

This valuation blends 6 independent models — including Comparable Companies, Residual Income, Discounted Cash Flow (DCF), and 3 more. The primary weight is given to the Comparable Companies model, with Bayesian triangulation used to reconcile the estimates into a single blended fair value. The 6 models show moderate agreement with a 38% spread between the highest and lowest estimates.

Monte Carlo simulation across 5,000 scenarios estimates a 21.2% probability that the stock is trading below its intrinsic value, with a median simulated value of $183.25.

Clarity's 1-year price target is $232.51, reflecting expected earnings growth and margin trajectory.

UNITEDHEALTH GROUP INC is classified under the Insurance / Managed Care sector, and this valuation is based on 10-K · Filed 2026-03-02 filings sourced directly from SEC EDGAR. All models use trailing twelve month (TTM) financials where available, with sector-appropriate growth and discount rate assumptions.