Aureus
FRed Flag

UnitedHealth Group Incorporated(UNH)

F

Financial data as of Dec 31, 2024Declining · Healthcare

FCF Margin5.2%Free Cash Flow / Revenue
Cash Conversion168.0%Operating CF / Net Income
Free Cash Flow$20.7B
Revenue$400.3B
Net Cash-$51.6BNet debt position
Debt / FCF3.7xElevated debt burden
Current Ratio0.83Tight short-term liquidity
YoY FCF Growth-61.0%5 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseD
→
-1Current ratio below 1.0 (0.83)
→
-1Significant YoY FCF decline (-61.0%)
→
FinalF

Analysis Summary

Strengths

  • Excellent cash conversion (168%)

Concerns

  • Low FCF margin (5.2%)
  • Net debt position ($51.6B)
  • Current ratio below 1.0 — tight short-term liquidity
  • Significant YoY FCF decline (-61.0%)
  • Significant FCF decline (-61.0% YoY)

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin5.2%
Net Margin3.6%
Operating CF Margin6.0%
CapEx Ratio0.9%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$51.6BNet debt position
Debt / FCF3.7xElevated debt burden
Current Ratio0.83Tight liquidity
Debt / Equity0.83Low leverage

Quarterly FCF Trend

-61.0% YoYDeclining (-61.0%)

Free cash flow per quarter

Sector Comparison — Healthcare

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameUnitedHealth Group Incorporated
SectorHealthcare
Free Cash Flow$20.7B
Revenue$400.3B
Net Income$14.4B
Operating Cash Flow$24.2B
Capital Expenditure$3.5B
FCF Margin5.2%
Cash Conversion Rate168.0%
Net Margin3.6%
Total Debt$76.9B
Total Cash$25.3B
Net Cash-$51.6B
Current Ratio0.83
Debt / Equity0.83
Debt / FCF3.7x
YoY FCF Growth-61.0%
Positive Quarters5 of 5
Trend DirectionDeclining
Report DateDec 31, 2024
GradeF
Data SourceYahoo Finance

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