All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2024-04-24.
From the record
Unitedhealth Group Incorporated's filings since 2017 show 3 warning events: a material cybersecurity incident (8-K item 1.05, 3 times, the latest 2024-04-24) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.3% a year over 10 filed years; profitable in 10 of 10.
From the record
Unitedhealth Group Incorporated's 10 filed years say what it did: revenue went from $185 billion in fiscal 2016 to $448 billion in fiscal 2025, up 10.3% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 1.4% a year. 61% of cash flow returned. Insiders: 3 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Unitedhealth Group Incorporated's diluted share count shrank about 1.4% a year, and dividends and buybacks returned about 61% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales and 0 purchases of their own stock on the open market in the year to 2026-10-05 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 68%: owes 68¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Unitedhealth Group Incorporated earned about 12 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 128 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 68 cents per dollar of assets, and net share issuance: its share count shrank 1.9% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 32% of 10 in its family; net margin 2.7%.
From the record
Unitedhealth Group Incorporated's standing among 10 graded names in its industry family: revenue of $448 billion in fiscal 2025 ranks in the top 5% by size; a net margin of 2.7% ranks in the top 15%; revenue growth of 11.3% a year over the last 3 filed years ranks in the bottom 25% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 16% of 10 in its family for leadership.
From the record
Unitedhealth Group Incorporated's leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 17 officers and directors filing in the last fifteen months have been on the record a median of 4.6 years (bottom 28%); 13 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 5%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 42% of 10 in its family for room to expand.
From the record
Unitedhealth Group Incorporated's room to grow, from the newest filed statements (fiscal 2025): cash of $24 billion against debt of $72 billion leaves -15.5% of its assets as net cash, bottom 25% of its family; cash from operations less capital spending is 3.6% of revenue (top 25%); a gross margin of 88.7% (top 25%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 38% of 10 in its family for growth drivers.
From the record
Unitedhealth Group Incorporated's growth drivers, from the filed years to fiscal 2025: revenue grew 11.3% a year over the last three filed years against 10.3% over all 10, speeding up (top 35% of its family); the newest year grew 11.8% (bottom 35%); capital spending grew 8.9% a year (top 15%) (its annual reports). Unitedhealth Group Incorporated reported 5 lines of business in fiscal 2025: Unitedhealthcare at $345 billion, Total Optum at $271 billion, Optumrx at $155 billion, and 2 more. 4 of 5 grew in the latest filed year, and the largest line is 39% of revenue (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 38% of 10 in its family for expectations against reality.
From the record
Unitedhealth Group Incorporated's newest year against its own record: revenue of $448 billion in fiscal 2025 came in 0.6% above the $445 billion its prior three years' pace pointed to (top 45% of its family); net income of $12 billion against a prior three-year average of $19 billion (bottom 45%); a net margin of 2.7% against 5.3% before (bottom 15%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made