UNH 全部观点

2025 was a very bad year for UnitedHealth, as the company's management team underestimated the cost of customer service. At the end of the year and the beginning of 2026, the management team made several adjustments to comply with current conditions.

As analysts, we were expecting certain results as a result of those adjustments. The results turned out to be better than expected. Today, I have raised my estimates for the company's free cash flow to adapt to these better conditions.

So UNH uh let's look at uh poor man's covered call. So first thing I'm going to do is I'm going to pull up uh I'm going to pull up Seeking Alpha and I'm going to pull up UNH. Now um United Health Group, you guys are all familiar with this.

This fly is back. Um UNH profitability is an A+.

So let me give you an example of a finance company United Health. So if you look at United Health UNH again you can see what is the projected growth rate from fact you can see for the next 5 years is projected to grow at 15.96% and then in the longer run grow at 13.67%.

So if we look at the intrinsic value again there are so many ways to value United Health but it's a insurance company. So what's the more um what what's the method to use? We use the discounted net income method which is over here discounted net income method.

And so based on this method, you can see the intrinsic value uh based on projecting the net profit for the next 20 years discount to present value gives us $529.