FinscoFinsco

UnitedHealth — Earning Quality

$Open the interactive terminal to run `audit earning-quality` with custom options.→
Capital FlowReturnsEarning QualityDebt DisciplineMoat
EARNING QUALITY

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


[+] Accruals Ratio: -2.6% (OCF > NI, excellent cash generation)
[+] Cash Conversion: 140% (> 80% = strong, < 50% = weak)
[+] FCF Conversion: 119% (> 80% = excellent quality)


Metric               Value
--------------------------
Avg Accruals Ratio   -2.6%
Avg Cash Conversion   140%
Avg FCF Conversion    119%
Cash Conv Stability  10.3%


Period       Net Income     OCF     FCF  Accruals  Cash Conv  FCF Conv
----------------------------------------------------------------------
2010 ANNUAL       4.63B   6.27B   5.39B     -2.6%     135.4%    116.4%
2011 ANNUAL       5.14B   6.97B   5.90B     -2.7%     135.5%    114.8%
2012 ANNUAL       5.53B   7.16B   6.08B     -2.0%     129.5%    110.1%
2013 ANNUAL       5.63B   6.99B   5.68B     -1.7%     124.3%    101.0%
2014 ANNUAL       5.62B   8.05B   6.53B     -2.8%     143.3%    116.1%
2015 ANNUAL       5.81B   9.74B   8.18B     -3.5%     167.6%    140.8%
2016 ANNUAL       7.02B   9.79B   8.09B     -2.3%     139.6%    115.3%
2017 ANNUAL      10.56B  13.60B  11.57B     -2.2%     128.8%    109.6%
2018 ANNUAL      11.99B  15.71B  13.65B     -2.4%     131.1%    113.9%
2019 ANNUAL      13.84B  18.46B  16.39B     -2.7%     133.4%    118.4%
2020 ANNUAL      15.40B  22.17B  20.12B     -3.4%     144.0%    130.6%
2021 ANNUAL      17.29B  22.34B  19.89B     -2.4%     129.3%    115.1%
2022 ANNUAL      20.12B  26.21B  23.40B     -2.5%     130.2%    116.3%
2023 ANNUAL      22.38B  29.07B  25.68B     -2.4%     129.9%    114.7%
2024 ANNUAL      14.40B  24.20B  20.70B     -3.3%     168.0%    143.7%
2025 ANNUAL      12.06B  19.70B  16.07B     -2.5%     163.4%    133.3%
audit earning-quality
EARNING QUALITY TICKER: [US.UNH - UnitedHealth] PERIOD: [2010-ANNUAL ~ 2025-ANNUAL]
[+] Accruals Ratio: -2.6% (OCF > NI, excellent cash generation)
[+] Cash Conversion: 140% (> 80% = strong, < 50% = weak)
[+] FCF Conversion: 119% (> 80% = excellent quality)
Metric Value
--------------------------
Avg Accruals Ratio -2.6%
Avg Cash Conversion 140%
Avg FCF Conversion 119%
Cash Conv Stability 10.3%
Period Net Income OCF FCF Accruals Cash Conv FCF Conv
----------------------------------------------------------------------
2010 ANNUAL 4.63B 6.27B 5.39B -2.6% 135.4% 116.4%
2011 ANNUAL 5.14B 6.97B 5.90B -2.7% 135.5% 114.8%
2012 ANNUAL 5.53B 7.16B 6.08B -2.0% 129.5% 110.1%
2013 ANNUAL 5.63B 6.99B 5.68B -1.7% 124.3% 101.0%
2014 ANNUAL 5.62B 8.05B 6.53B -2.8% 143.3% 116.1%
2015 ANNUAL 5.81B 9.74B 8.18B -3.5% 167.6% 140.8%
2016 ANNUAL 7.02B 9.79B 8.09B -2.3% 139.6% 115.3%
2017 ANNUAL 10.56B 13.60B 11.57B -2.2% 128.8% 109.6%
2018 ANNUAL 11.99B 15.71B 13.65B -2.4% 131.1% 113.9%
2019 ANNUAL 13.84B 18.46B 16.39B -2.7% 133.4% 118.4%
2020 ANNUAL 15.40B 22.17B 20.12B -3.4% 144.0% 130.6%
2021 ANNUAL 17.29B 22.34B 19.89B -2.4% 129.3% 115.1%
2022 ANNUAL 20.12B 26.21B 23.40B -2.5% 130.2% 116.3%
2023 ANNUAL 22.38B 29.07B 25.68B -2.4% 129.9% 114.7%
2024 ANNUAL 14.40B 24.20B 20.70B -3.3% 168.0% 143.7%
2025 ANNUAL 12.06B 19.70B 16.07B -2.5% 163.4% 133.3%