UNH
UnitedHealth Group Incorporated Healthcare - Insurance Investor Relations →
UnitedHealth Group Incorporated (UNH) closed at $275.59 as of 2026-03-20, trading 38.6% below its 200-week moving average of $449.02. This places UNH in the extreme value zone. The stock is currently moving closer to the line, down from -37.8% last week. The 14-week RSI sits at 33, indicating neutral momentum.
A big spike in selling this week — 2.1x the usual volume, and the price dropped. Sometimes this kind of heavy selling marks the end of a decline. The idea is that the last reluctant holders have finally sold, leaving fewer sellers left to push the price lower.
Over the past 2113 weeks of data, UNH has crossed below its 200-week moving average 18 times. On average, these episodes lasted 22 weeks. Historically, investors who bought UNH at the start of these episodes saw an average one-year return of +32.9%.
With a market cap of $250.1 billion, UNH is a large-cap stock. The company generates a free cash flow yield of 5.5%, which is healthy. Return on equity stands at 12.5%. The stock trades at 2.6x book value.
Over the past 33.2 years, a hypothetical investment of $100 in UNH would have grown to $8910, compared to $2683 for the S&P 500. That represents an annualized return of 14.5% vs 10.4% for the index — confirming UNH as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
In the past 12 months, corporate insiders have made 5 open-market purchases totaling $31,607,700. Multiple insiders purchased within a 30-day window — a cluster buy pattern that historically signals management confidence in the company's prospects. Notably, these purchases occurred while UNH is trading below its 200-week moving average — insiders are buying when the market is most pessimistic.
Free cash flow has been declining at a -11.8% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: UNH vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After UNH Crosses Below the Line?
Across 17 historical episodes, buying UNH when it crossed below its 200-week moving average produced an average return of +31.1% after 12 months (median +21.0%), compared to +20.1% for the S&P 500 over the same periods. 62% of those episodes were profitable after one year. After 24 months, the average return was +71.9% vs +36.1% for the index.
Each line shows $100 invested at the moment UNH crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
UNH has crossed below its 200-week MA 18 times with an average 1-year return of +32.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 1986 | Apr 1989 | 139 | 67.1% | -50.6% | +116399.2% |
| Jul 1996 | Nov 1996 | 17 | 21.8% | +56.3% | +8560.7% |
| Nov 1996 | Dec 1996 | 1 | 1.0% | +20.8% | +6552.4% |
| Jan 1997 | Jan 1997 | 1 | 2.3% | +11.3% | +6533.2% |
| Apr 1997 | Apr 1997 | 1 | 3.0% | +50.3% | +6342.8% |
| Oct 1997 | Nov 1997 | 1 | 4.3% | -7.1% | +6090.6% |
| Dec 1997 | Dec 1997 | 2 | 2.7% | -8.9% | +5927.9% |
| Jan 1998 | Jan 1998 | 2 | 3.2% | -6.1% | +5857.5% |
| Aug 1998 | Mar 1999 | 30 | 38.4% | +70.4% | +7791.8% |
| Apr 1999 | Apr 1999 | 2 | 6.8% | +30.4% | +5948.1% |
| Sep 1999 | Nov 1999 | 5 | 19.2% | +116.0% | +6162.9% |
| Nov 1999 | Dec 1999 | 5 | 1.9% | +122.2% | +5430.1% |
| Feb 2000 | Mar 2000 | 3 | 1.0% | +112.1% | +5490.8% |
| Feb 2008 | Oct 2010 | 140 | 63.9% | -39.9% | +640.3% |
| Mar 2020 | Mar 2020 | 1 | 2.5% | +79.7% | +47.6% |
| Apr 2024 | Apr 2024 | 1 | 0.2% | +38.7% | -34.5% |
| Feb 2025 | Mar 2025 | 2 | 4.0% | -36.3% | -39.0% |
| Apr 2025 | Ongoing | 49+ | 50.5% | Ongoing | -37.6% |
| Average | 22 | — | +32.9% | — |
Frequently Asked Questions
Is UNH below its 200-week moving average?
Yes. As of 2026-03-20, UnitedHealth Group Incorporated (UNH) is trading 38.6% below its 200-week moving average of $449.02. The current price is $275.59.
What is UNH's 200-week moving average price?
UnitedHealth Group Incorporated's 200-week moving average is $449.02 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when UNH drops below its 200-week moving average?
UNH has crossed below its 200-week moving average 18 times in our data. On average, buying at that moment produced a one-year return of +32.9%. These dips have historically been decent entry points. These episodes lasted 22 weeks on average.
Is UNH a good value right now?
Here's what our data says about UNH as of 2026-03-20: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 33. Free cash flow yield is 5.5%. Return on equity is 12.5%. Price-to-book is 2.6x. This is not a buy or sell recommendation — always do your own research.
How does UNH compare to the S&P 500?
Over the past 33.2 years, $100 invested in UNH would have grown to $8910, compared to $2683 for the S&P 500. That's 14.5% annualized vs 10.4% for the index. UNH has outperformed the broader market over this period.
Does UNH pay a dividend?
Yes. UnitedHealth Group Incorporated currently pays a dividend yield of 321.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20