UNH (UNH)
UNH is neutral as its valuation is expensive (PE at 93rd percentile) but the price remains far above the floor, resulting in no clear directional bias.
- Current PE of $31.10 sits at the 93rd percentile, and the buyzone bucket is labeled 'far' at 59.5% above the floor, indicating elevated pricing relative to historical norms.
- The floor confidence is 'high' and the suitability verdict is 'ideal', but the primary floors (~$260–$317) remain well below the $413 current price, limiting upside conviction.
- No red alerts are present, and implied volatility rank is neutral (53.2%), offering no strong directional signal from risk or volatility metrics.
BUY-ZONE DECISION rule signal
UNH is far above the floor (~59.5% above) — adding here means paying a premium vs. your own threshold. Wait or take partial position only with a strong directional view. valuation expensive (93th percentile)
Macro context
RULES & ALERTS FIRING
Sign in
VALUATION
Floor Engine
Golden USD 316.99 ＝ ATH × (1 − 35%)（同一回撤方法，更浅档位）。
注：下方场景卡片显示的 DIVIDEND/VALUATION/EPV 数字是引擎仍计算了但未采纳的原始候选 — 保留可见以便审视引擎判断。
Glossary (click to expand)
- Forward P/E
- P/E using analysts' next-12-month EPS estimates. More forward-looking than trailing P/E, but exposed to forecast error.
- Trailing P/E
- P/E using actual EPS from the last 12 months. Distorted by one-time events (asset sales, impairments) until they roll out of the window.
- P/B (Price-to-Book)
- Stock price / book value per share. Meaningful for asset-driven sectors (banks, insurers); high values are normal for asset-light sectors (tech, consumer).
- PEG
- P/E ÷ earnings growth rate — \"how much P/E you pay per 1% of growth\". <1 = cheap-ish, >2 = priced-in.
- Regime-mismatch drawdown model
- When P/E distribution undergoes a structural shift (business transformation, sector re-rating), traditional \"revert to historical P/E percentile\" misleads. This model uses historical max drawdown × current EPS instead.
- EPV (Earnings Power Value)
- Greenwald framework: assume zero growth + current earning power is sustainable. Yields a conservative lower bound (asset + franchise value).
- Heuristic Fallback
- Backup estimator used when the primary method (P/E percentile, yield reversion, etc.) is unreliable due to data issues. **Lower confidence** — reference only, not auto-execute.
- Confidence
- Primary method applicable → high; multiple methods agree → medium; single heuristic fallback → low. Low confidence means review before acting.
YOUR WATCHLIST CONTEXT
○ anonymous· Your personal floor / golden price overlay on the live price
· Per-ticker rule alerts when this stock crosses your thresholds
· Position P&L overlay — what this ticker means inside your full portfolio
IMPLIED VOLATILITY
Earnings Reactions
| Date | Time | EPS | Surprise | Gap% | Day% | Week% |
|---|---|---|---|---|---|---|
| 2026-04-21 | BMO | 7.23 | +9.5% | +9.13% | +6.96% | +13.38% |
| 2026-01-27 | BMO | 2.11 | +0.2% | -16.40% | -19.61% | -19.18% |
| 2025-10-28 | BMO | 2.92 | +4.0% | +4.02% | +0.51% | -9.60% |
| 2025-07-29 | BMO | 4.08 | -8.2% | -5.82% | -7.46% | -11.03% |
| 2025-04-17 | BMO | 7.20 | -1.3% | -17.62% | -22.38% | -28.44% |
| 2025-01-16 | BMO | 6.81 | +1.1% | -2.41% | -6.04% | -2.01% |
| 2024-10-15 | BMO | 6.51 | -1.3% | -8.82% | -8.11% | -5.87% |
| 2024-07-16 | BMO | 6.80 | +2.5% | +3.60% | +6.50% | +7.63% |
Is UNH (UNH) overvalued right now?
UNH (UNH) is currently trading at a trailing P/E of 31.1, sitting at the 93th percentile of its 5-year valuation history. A high percentile suggests the market is pricing the stock above its own historical norm — useful context before sizing a new position or selling premium against it.
UNH (UNH) — what's the SELL PUT risk profile?
Selling cash-secured puts on UNH (UNH) is a common income strategy, but the right strike depends on your floor price (the level you'd happily own at) and the option chain's buffer/APY tradeoff. The full ladder view (deferred to a future release) ranks candidates by buffer percentage first, then APY — see the option ladder methodology for why buffer matters more than yield in this strategy.
UNH (UNH) — which option strategy fits your view?
If you're bullish long-term but cautious near-term on UNH (UNH), SELL PUT into your floor zone collects premium while waiting for a better entry. If you already own it and are neutral-to-mildly-bullish, COVERED CALL caps upside but harvests time decay. The wrong strategy on the right ticker still loses money — match the trade to your view, not the other way around.
UNH (UNH) — is now a good entry?
Entry timing on UNH (UNH) is a function of your floor price (hard buy zone) and golden price (back-the-truck-up zone). Both are personal — set them in your watchlist and we'll alert you when the market hits either level.
FAQ
Why does UNH show different P/E numbers on different sites?
Different data providers use different earnings windows (TTM vs forward, GAAP vs adjusted) and update at different cadences. We surface trailing P/E with a 5-year percentile rank to give context — a P/E of 30 is hot for one stock and cold for another.
Does this page show UNH's implied volatility?
Not on this v0 page — the dedicated volatility tool covers IV with multi-source voting (IBKR + Polygon + yfinance). For pure IV lookup, use /tools/volatility. This page is for decision-stage queries that pull together valuation + portfolio context.
How is this different from Yahoo Finance or 雪球's UNH page?
Those sites are great for raw data discovery — last price, news, headline P/E. This page is built for the second look: you've already seen a single-dimension signal somewhere else, now you need multi-dimensional decision context (your floor, the valuation percentile, your portfolio overlay) in one view, not five tabs.