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Behind the Curtain: How UnitedHealth is Rewriting its Own Rules
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Key Takeaways
UnitedHealth is transforming its business by integrating insurance, care services and technology.
Optum's expanding role in pharmacy services, care delivery and analytics supports this shift.
UnitedHealthcare and Optum drove 11.6% revenue growth in the first nine months of 2025.
UnitedHealth Group Inc. (UNH - Free Report) is quietly transforming its business playbook, pushing against the usual ways of delivering care and insurance. By merging insurance coverage with health services and cutting-edge technology, UNH is crafting a model that prioritizes efficiency, data-driven choices and proactive care management, setting it apart from competitors.
A key part of UNH’s strategy is the growing presence of Optum in pharmacy services, care delivery and analytics. By blending clinical insights with insurance operations, the company is moving beyond traditional coverage models and embracing a more proactive, value-driven approach. This integration enables UNH to provide more tailored and efficient solutions for both its members and providers, strengthening its competitive advantage.
Technology plays a crucial role in this transformation. The company is increasingly deploying AI, predictive analytics and digital tools to make the claims process smoother, cut down on administrative waste and boost member engagement. These tech-driven advancements not only help cut costs but also provide valuable insights for managing chronic conditions, optimizing care pathways and improving the overall quality of healthcare.
Despite facing challenges like regulatory scrutiny and rising medical costs, the company is committed to prioritizing member satisfaction. This focus puts it in a strong position to sustain growth and shape the future of healthcare delivery. In the first nine months of 2025, UNH’s total revenues grew 11.6% year over year, with 6.6% growth at Optum and 15% growth at UnitedHealthcare.
How Are Competitors Faring?
Some of UNH’s major competitors in the healthcare service provider space are Elevance Health, Inc. (ELV - Free Report) and Humana Inc. (HUM - Free Report) .
Through Carelon, Elevance Health is bringing together analytics, behavioral health and coordinated care models to boost outcomes and cut down on costs. ELV’s total revenues increased 13.5% year over year in the first nine months of 2025.
Humana focuses on using AI to improve patient experience, enhance care quality and achieve better health outcomes while ensuring human involvement in any clinical decision-making process. HUM’s CenterWell segment’s revenues rose 11.5% year over year in the first nine months of 2025.
Shares of UNH have declined 36% in the year-to-date period compared with the industry’s fall of 30.4%.
Image Source: Zacks Investment Research
From a valuation standpoint, UnitedHealth trades at a forward price-to-earnings ratio of 18.5, above the industry average of 15.2. UNH carries a Value Score of A.
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for UnitedHealth’s 2025 earnings is pegged at $16.29 per share, implying a 41.1% drop from the year-ago period.
Image: Bigstock
Behind the Curtain: How UnitedHealth is Rewriting its Own Rules
Key Takeaways
UnitedHealth Group Inc. (UNH - Free Report) is quietly transforming its business playbook, pushing against the usual ways of delivering care and insurance. By merging insurance coverage with health services and cutting-edge technology, UNH is crafting a model that prioritizes efficiency, data-driven choices and proactive care management, setting it apart from competitors.
A key part of UNH’s strategy is the growing presence of Optum in pharmacy services, care delivery and analytics. By blending clinical insights with insurance operations, the company is moving beyond traditional coverage models and embracing a more proactive, value-driven approach. This integration enables UNH to provide more tailored and efficient solutions for both its members and providers, strengthening its competitive advantage.
Technology plays a crucial role in this transformation. The company is increasingly deploying AI, predictive analytics and digital tools to make the claims process smoother, cut down on administrative waste and boost member engagement. These tech-driven advancements not only help cut costs but also provide valuable insights for managing chronic conditions, optimizing care pathways and improving the overall quality of healthcare.
Despite facing challenges like regulatory scrutiny and rising medical costs, the company is committed to prioritizing member satisfaction. This focus puts it in a strong position to sustain growth and shape the future of healthcare delivery. In the first nine months of 2025, UNH’s total revenues grew 11.6% year over year, with 6.6% growth at Optum and 15% growth at UnitedHealthcare.
How Are Competitors Faring?
Some of UNH’s major competitors in the healthcare service provider space are Elevance Health, Inc. (ELV - Free Report) and Humana Inc. (HUM - Free Report) .
Through Carelon, Elevance Health is bringing together analytics, behavioral health and coordinated care models to boost outcomes and cut down on costs. ELV’s total revenues increased 13.5% year over year in the first nine months of 2025.
Humana focuses on using AI to improve patient experience, enhance care quality and achieve better health outcomes while ensuring human involvement in any clinical decision-making process. HUM’s CenterWell segment’s revenues rose 11.5% year over year in the first nine months of 2025.
UnitedHealth’s Price Performance, Valuation & Estimates
Shares of UNH have declined 36% in the year-to-date period compared with the industry’s fall of 30.4%.
Image Source: Zacks Investment Research
From a valuation standpoint, UnitedHealth trades at a forward price-to-earnings ratio of 18.5, above the industry average of 15.2. UNH carries a Value Score of A.
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for UnitedHealth’s 2025 earnings is pegged at $16.29 per share, implying a 41.1% drop from the year-ago period.
Image Source: Zacks Investment Research
The stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.