π Quick update on $UNH (UnitedHealth) from the Q3 2025 earnings:
- Revenue hit $113.2 billion, up ~12% year-over-year.
- Adjusted EPS came in at $2.92, with GAAP EPS at $2.59.
- Raised full-year 2025 guidance to at least $14.90 EPS (GAAP) and $16.25 EPS (adjusted).
- Strong cash flow: operating cash flow for the quarter was ~$5.9 billion (~2.3Γ net income).
Segment highlights:
- UnitedHealthcare revenues grew ~16% to $87.1 billion.
- Optum revenues grew ~8% to $69.2 billion.
Margin pressures: medical care ratio (MCR) at 89.9% and operating cost ratio at 13.5% reflect elevated costs.
β Bottom line: UNH is executing well with solid top-line growth, strong cash flows and raised guidance.
β οΈ Watch-points: Margin erosion due to medical cost trends and regulatory pressure (e.g., Medicare/Part D changes) as well as new commercialization channels for pharma can trim future revenue (e.g. direct sales to patients). ... Show More
My cost basis for $UNH (UnitedHealth) (UnitedHealth) is around $250 per share - I bought the dip β . Now, I consider selling since the stock price has grown nearly 50% recently, but the company itself is still in huge trouble - record MLR of nearly 90% is a big red flag π΄, massive operating margin compression... Show More
2 replies
.
We use our own and third-party cookies on our websites to enhance your experience, analyze traffic, and for security and marketing. For more info, see our Cookie Policy or go to Manage Settings.
Privacy Preference Center
When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.
More information
Manage Consent Preferences
Strictly Necessary Cookies
Always Active
These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.
Performance Cookies
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.
Functional Cookies
These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.
Targeting Cookies
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.
Cookie List
label
ConsentLeg.Interest
label
label
label
Mon Jan 19 2026 21:28:22 GMT+0000 (Coordinated Universal Time)
