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UnitedHealth — Debt Discipline

$Open the interactive terminal to run `audit debt-discipline` with custom options.→
Capital FlowReturnsEarning QualityDebt DisciplineMoat
DEBT DISCIPLINE

TICKER: [US.UNH - UnitedHealth]
PERIOD: [2010-ANNUAL ~ 2025-ANNUAL]


[~] Leverage (D/E): 0.68 (< 0.5 = conservative, > 1.5 = aggressive)
[~] Interest Coverage: 4.7x (> 5x = safe, < 2x = risky)
[-] Net Cash Company: No (Net debt < 0 = Buffett favorite)


Metric                     Value
--------------------------------
Avg D/E                     0.68
D/E Trend (Slope)       1.88%/yr
Last Interest Coverage      4.7x
Last Net D/E                0.57


Period       Total Debt  Equity   D/E  D/EBITDA  Coverage  Net D/E
------------------------------------------------------------------
2010 ANNUAL      13.50B  25.82B  0.52      1.5x     16.3x     0.17
2011 ANNUAL      11.64B  28.29B  0.41      1.2x     16.8x     0.08
2012 ANNUAL      16.75B  31.18B  0.54      1.6x     14.6x     0.27
2013 ANNUAL      16.86B  32.15B  0.52      1.5x     13.6x     0.30
2014 ANNUAL      17.41B  32.45B  0.54      1.5x     16.6x     0.31
2015 ANNUAL      31.96B  33.83B  0.94      2.5x     14.0x     0.62
2016 ANNUAL      32.97B  38.27B  0.86      2.2x     12.1x     0.59
2017 ANNUAL      31.69B  47.78B  0.66      1.8x     12.8x     0.41
2018 ANNUAL      36.55B  51.70B  0.71      1.8x     12.4x     0.50
2019 ANNUAL      40.68B  57.62B  0.71      1.8x     11.6x     0.52
2020 ANNUAL      43.47B  65.49B  0.66      1.7x     13.5x     0.41
2021 ANNUAL      46.00B  71.76B  0.64      1.7x     14.4x     0.34
2022 ANNUAL      57.62B  77.77B  0.74      1.8x     13.6x     0.44
2023 ANNUAL      62.54B  88.76B  0.70      1.7x     10.0x     0.42
2024 ANNUAL      76.90B  92.66B  0.83      2.1x      8.3x     0.56
2025 ANNUAL      78.39B  94.11B  0.83      3.4x      4.7x     0.57
audit debt-discipline
DEBT DISCIPLINE TICKER: [US.UNH - UnitedHealth] PERIOD: [2010-ANNUAL ~ 2025-ANNUAL]
[~] Leverage (D/E): 0.68 (< 0.5 = conservative, > 1.5 = aggressive)
[~] Interest Coverage: 4.7x (> 5x = safe, < 2x = risky)
[-] Net Cash Company: No (Net debt < 0 = Buffett favorite)
Metric Value
--------------------------------
Avg D/E 0.68
D/E Trend (Slope) 1.88%/yr
Last Interest Coverage 4.7x
Last Net D/E 0.57
Period Total Debt Equity D/E D/EBITDA Coverage Net D/E
------------------------------------------------------------------
2010 ANNUAL 13.50B 25.82B 0.52 1.5x 16.3x 0.17
2011 ANNUAL 11.64B 28.29B 0.41 1.2x 16.8x 0.08
2012 ANNUAL 16.75B 31.18B 0.54 1.6x 14.6x 0.27
2013 ANNUAL 16.86B 32.15B 0.52 1.5x 13.6x 0.30
2014 ANNUAL 17.41B 32.45B 0.54 1.5x 16.6x 0.31
2015 ANNUAL 31.96B 33.83B 0.94 2.5x 14.0x 0.62
2016 ANNUAL 32.97B 38.27B 0.86 2.2x 12.1x 0.59
2017 ANNUAL 31.69B 47.78B 0.66 1.8x 12.8x 0.41
2018 ANNUAL 36.55B 51.70B 0.71 1.8x 12.4x 0.50
2019 ANNUAL 40.68B 57.62B 0.71 1.8x 11.6x 0.52
2020 ANNUAL 43.47B 65.49B 0.66 1.7x 13.5x 0.41
2021 ANNUAL 46.00B 71.76B 0.64 1.7x 14.4x 0.34
2022 ANNUAL 57.62B 77.77B 0.74 1.8x 13.6x 0.44
2023 ANNUAL 62.54B 88.76B 0.70 1.7x 10.0x 0.42
2024 ANNUAL 76.90B 92.66B 0.83 2.1x 8.3x 0.56
2025 ANNUAL 78.39B 94.11B 0.83 3.4x 4.7x 0.57