UNH
UnitedHealth Group Incorporated Healthcare - Insurance Investor Relations →
UnitedHealth Group Incorporated (UNH) closed at $276.65 as of 2026-02-02, trading 39.6% below its 200-week moving average of $458.12. This places UNH in the extreme value zone. The stock is currently moving closer to the line, down from -37.5% last week. The 14-week RSI sits at 34, indicating neutral momentum.
Over the past 2107 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 +37.2%.
With a market cap of $250.6 billion, UNH is a large-cap stock. The company generates a free cash flow yield of 6.4%, which is healthy. Return on equity stands at 12.5%. The stock trades at 2.5x book value.
Over the past 33.2 years, a hypothetical investment of $100 in UNH would have grown to $8875, compared to $2849 for the S&P 500. That represents an annualized return of 14.5% vs 10.6% 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 growing at a 1.3% compound annual rate, with 4 consecutive years of positive cash generation. A business generating more cash every year while trading below its 200-week moving average is exactly the kind of disconnect value investors look for.
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 +30.9% 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 +37.2% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 1986 | Apr 1989 | 139 | 67.1% | -50.6% | +115945.2% |
| Jul 1996 | Nov 1996 | 17 | 21.8% | +56.3% | +8526.9% |
| Nov 1996 | Dec 1996 | 1 | 1.0% | +20.8% | +6526.5% |
| Jan 1997 | Jan 1997 | 1 | 2.3% | +11.3% | +6507.3% |
| Apr 1997 | Apr 1997 | 1 | 3.0% | +50.3% | +6317.7% |
| Oct 1997 | Nov 1997 | 1 | 4.3% | -7.1% | +6066.5% |
| Dec 1997 | Dec 1997 | 2 | 2.7% | -8.9% | +5904.4% |
| Jan 1998 | Jan 1998 | 2 | 3.2% | -6.1% | +5834.3% |
| Aug 1998 | Mar 1999 | 30 | 38.4% | +70.4% | +7761.1% |
| Apr 1999 | Apr 1999 | 2 | 6.8% | +30.4% | +5924.5% |
| Sep 1999 | Nov 1999 | 5 | 19.2% | +116.0% | +6138.5% |
| Nov 1999 | Dec 1999 | 5 | 1.9% | +122.2% | +5408.5% |
| Feb 2000 | Mar 2000 | 3 | 1.0% | +112.1% | +5469.0% |
| Feb 2008 | Oct 2010 | 140 | 63.9% | -39.9% | +637.4% |
| Mar 2020 | Mar 2020 | 1 | 2.5% | +79.7% | +47.0% |
| Apr 2024 | Apr 2024 | 1 | 0.2% | +38.7% | -34.7% |
| Feb 2025 | Mar 2025 | 2 | 4.0% | N/A | -39.2% |
| Apr 2025 | Ongoing | 43+ | 50.5% | Ongoing | -37.8% |
| Average | 22 | — | +37.2% | — |
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 Friday close, 2026-02-02