UnitedHealth stock forecast: Third-party price targets

UnitedHealth Group is a US-listed healthcare company providing insurance and health services through its UnitedHealthcare and Optum divisions, and is a constituent of the Dow Jones Industrial Average. Explore third-party UNH price targets and technical analysis.

By Dan Mitchell12 minutes ago

UnitedHealthcare office building exterior with company sign and flag displayed in front of the headquarters.” — Photo: Shutterstock

UnitedHealth Group Incorporated (UNH) is trading around $292.94 as of 3:03pm UTC on 16 February 2026, after moving between an intraday low of $276.75 and a high of $292.62 on Capital.com’s feed. Past performance is not a reliable indicator of future results.

The stock is trading as the market digests UnitedHealth Group’s latest full-year 2025 results. The company reported consolidated revenues of about $447.6bn, up 12% year-on-year, alongside earnings from operations of $19bn and a net margin of 2.7% (Business Wire, 27 January 2026). Trading also reflects attention on the company’s 2026 outlook, which includes guidance for revenues of more than $439bn and earnings from operations above $24bn (United Health Group, 27 January 2026).

UnitedHealth stock forecast 2026–2030: Third-party price targets

As of 16 February 2026, third-party UnitedHealth stock predictions indicate a clustered 12-month range broadly spanning the low-$360s to the high-$380s, with some brokers now anchored closer to the mid-$300s. These figures are indicative 12-month objectives rather than guaranteed outcomes and rely on assumptions about earnings, margins, regulation and wider sector conditions.

Wells Fargo (broker revision)

Wells Fargo cuts its UNH stock forecast to $370 from $400, while maintaining an ‘Overweight’ rating. The broker cites weaker-than-expected Medicare Advantage rate proposals and uncertainty around Optum Health’s 2026 segment outlook as reasons for trimming its estimates (Yahoo Finance, 2 February 2026).

MarketBeat (consensus snapshot)

UnitedHealth carries a ‘Moderate Buy’ average rating and a consensus 12-month price target of about $372.13 according to MarketBeat. The article states that this aggregate view balances recent target reductions with expectations for full-year earnings per share of around $29.54, as analysts weigh cost pressures and updated guidance against the group’s diversified operations (MarketBeat, 13 February 2026).

AInvest (multi-broker range)

AInvest highlights that several covering banks lowered their UnitedHealth targets into a band of roughly $340–$389, while the average target sits near $372.13 alongside a ‘Moderate Buy’ consensus. The article states that these changes follow the company’s 2026 revenue guidance and reflect caution over Medicare Advantage margins and utilisation trends, even as some analysts continue to reference Optum’s growth prospects as a supporting factor (AInvest, 12 February 2026).

MarketScreener (consensus dashboard)

MarketScreener shows an average 12-month target price of around $364.62, based on a mix of buy-weighted recommendations from covering analysts. MarketScreener notes that the dispersion between high and low targets reflects differing expectations for how quickly profitability in government-backed plans could normalise and how regulatory risks may evolve over the forecast horizon (MarketScreener, 16 February 2026).

Barchart (broker sample within consensus)

Barchart summarises that, across 26 analysts following UnitedHealth, the average 12-month price target stands near $361.43, with a published high estimate of $440. The article states that this distribution accompanies a ‘Moderate Buy’ overall recommendation and cites Mizuho’s reduction of its target to $350 from $430 as an example of how brokers adjusted valuations after the Q4 2025 results and updated 2026 guidance (Yahoo Finance, 16 February 2026).

Takeaway: Across these snapshots, third-party UnitedHealth stock predictions generally sit between the low-$360s and high-$380s, while individual broker revisions into the mid-$300s reference Medicare Advantage rate uncertainty, utilisation trends and the company’s updated 2026 outlook. These projections are external opinions and may change as new information emerges.

Predictions and third-party forecasts are inherently uncertain, as they cannot fully account for unexpected market developments. Past performance is not a reliable indicator of future results.

UNH stock price: Technical overview

On the daily chart, the UNH stock price is trading around $292.94 as of 3:03pm UTC on 16 February 2026, below its short- and medium-term moving average cluster, with the 20-, 50-, 100- and 200-day moving averages near 302, 321, 332 and 320 respectively. Momentum indicators present a mixed picture: the 14-day relative strength index (RSI) at around 44.9 sits in neutral territory, while the average directional index (ADX) near 38.7 suggests an established trend environment rather than range-bound conditions.

On the topside, traders often monitor the classic R1 pivot at 336.40 as an initial reference level. The R2 area at 385.87 would come into focus only after a sustained daily close above the first pivot zone. On pullbacks, the classic pivot at 308.40 may act as initial support. Below this, attention may shift to the S1 level at 258.93, which marks the lower bound of the current pivot structure. This technical analysis is provided for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any instrument.

(TradingView, 16 February 2026)

UnitedHealth share price history (2024–2026)

UNH’s stock price has undergone a marked repricing over the past two years, moving from sustained trade above $500 in early 2024–2025 to testing the high-$200s by mid-February 2026. During much of 2024, the stock traded within a relatively tight range between roughly $570 and $610, with several prices above $590 in October and November and a brief move beyond $620. By early 2025, it continued to change hands around $500–$550, including a series of prices above $540 in January and into mid-February before momentum eased.

From spring 2025, conditions shifted. After reaching a closing high near $600 in early December 2024, the share price moved lower through the $500s and $400s during 2025. It declined from around $525 in mid-December 2024 to about $447 by 15 April 2025, before trading in the low-$400s later that month. The downward move extended into late 2025 and early 2026. The stock closed at $586.97 on 16 April 2025, then fell below $300 by August, and later dropped from around $356 in late January 2026 to $260 on 5 February before recovering to $292.94 on 13 February 2026.

Past performance is not a reliable indicator of future results.

UnitedHealth (UNH): Capital.com analyst view

UnitedHealth’s share price has repriced materially into early 2026, declining from levels above $500 in early 2025 to below $300 by mid-February 2026. Recent price action has followed the group’s 2025 results and 2026 guidance. Management indicated that revenues could decline by about 2% to more than $439bn next year, while earnings from operations are projected to increase. This shift in the revenue and margin profile has led market participants to reassess valuation assumptions.

From a fundamental perspective, the discussion centres on the balance between cost control and growth. Guidance points to higher profitability and cash generation, supported by restructuring and pricing measures, which some market participants view as a potential offset to softer revenue trends. An alternative view highlights softer top-line guidance, a proposed 09% Medicare Advantage payment increase for 2027 and ongoing regulatory scrutiny as factors that could weigh on valuation multiples, particularly if medical cost trends remain elevated or competition intensifies.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Past performance is not a reliable indicator of future results.

Capital.com’s client sentiment for UnitedHealth CFDs

As of 16 February 2026, Capital.com client positioning in UnitedHealth CFDs shows 99% buyers versus 1% sellers, a heavily one-sided stance towards long positions. This snapshot reflects open positions on Capital.com at the time of writing and may change.

Summary – UnitedHealth 2026

UnitedHealth’s share price moved from sustained trade above $500 in 2024 and early 2025 to below $300 by February 2026, marking a significant reprice.
The stock declined after the 2025 results and 2026 outlook signalled a forecast revenue dip to just over $439bn, even as earnings from operations are projected to rise.
Technical indicators show the price trading below key daily moving averages, with RSI in neutral territory and ADX suggesting an established trend backdrop. Pivot levels highlight potential resistance near $336 and support around $308 and $258.
Key drivers include restructuring efforts, margin and cash-flow objectives, Medicare Advantage payment trends, regulatory developments and medical cost dynamics.

Past performance is not a reliable indicator of future results.

FAQ

Who owns the most UnitedHealth stock?

UnitedHealth Group’s largest shareholders are typically institutional investors, such as global asset managers and pension funds, which hold shares on behalf of clients. Firms including Vanguard, BlackRock and State Street have historically featured among the top holders, based on public filings. Ownership levels can change over time as funds rebalance their portfolios. Investors can review the company’s latest annual report or regulatory filings for the most up-to-date breakdown of major shareholders.

What is the 5-year UnitedHealth share price forecast?

There is no single agreed five-year UNH stock forecast. Most published analyst targets focus on a 12-month horizon and currently cluster between the low-$360s and high-$380s, according to the third-party sources cited above. Longer-term projections depend on assumptions about earnings growth, healthcare policy, reimbursement rates and broader market conditions. These forecasts are indicative only and may change as new financial data and regulatory developments emerge.

Is UnitedHealth a good stock to buy?

Whether UnitedHealth is considered ‘good’ depends on an investor’s objectives, risk tolerance and time horizon. The company operates a diversified healthcare business and has recently guided for higher operating earnings despite softer revenue expectations. However, factors such as Medicare Advantage payment trends, regulatory scrutiny and medical cost pressures can influence financial performance and valuation. Any investment decision should follow careful analysis of financial statements, valuation metrics and individual circumstances.

Could UnitedHealth stock go up or down?

UnitedHealth’s share price can move in either direction, depending on company performance, sector developments and wider market conditions. Recent trading has reflected reactions to earnings results, forward guidance and healthcare policy updates. Technical indicators currently show the price below several moving averages, with momentum in neutral territory, but market dynamics can change. As with all equities, volatility and capital risk are inherent features of share price movements.

Should I invest in UnitedHealth stock?

Deciding whether to invest in UnitedHealth stock requires careful consideration of your financial goals, risk appetite and broader portfolio strategy. Shares can provide exposure to the healthcare sector, but they also carry market risk and company-specific uncertainties. It’s important to conduct independent research or seek professional advice where appropriate. Past performance and analyst targets do not guarantee future results, and prices can fluctuate significantly.

Can I trade UnitedHealth CFDs on Capital.com?

Yes, you can trade UnitedHealth CFDs on Capital.com. Trading share CFDs lets you speculate on price movements without owning the underlying asset and to take long or short positions. However, contracts for difference (CFDs) are traded on margin, and leverage amplifies both profits and losses. You should ensure you understand how CFD trading works, assess your risk tolerance, and recognise that losses can occur quickly.