UNHNEUTRAL

UNH Current Ratio Analysis

0.80x

Updated 72h ago·SEC filings & market data

Key Takeaway

The current ratio of 0.80x means that for every $1 of short-term liabilities, UnitedHealth Group has only $0.80 of current assets available to pay them, indicating liquidity pressure.

Sector Performance

20th percentile

UNH

0.80x

Sector Median

1.20x

Sector Avg

2.57x

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Deep Analysis

The current ratio of 0.80x means that for every $1 of short-term liabilities, UnitedHealth Group has only $0.80 of current assets available to pay them, indicating liquidity pressure.

This sits well below the sector median of 1.21x, placing the company in the 19th percentile among sector peers — meaning 81% of peers have a higher current ratio. Trend data is not available: the year-over-year change is listed as N/A, and the quarter-over-quarter change is also N/A. With a low ratio and no trend to assess improvement or deterioration, the risk is that the company may struggle to cover near-term obligations if cash flows weaken. This metric does not contradict the overall NEUTRAL verdict — the low current ratio suggests a specific vulnerability, but without a negative trend or broader context, it alone does not justify a bearish call.

Frequently Asked Questions

What does the Current Ratio tell investors about UNH?

Measures short-term financial health. A ratio above 1.5 is generally healthy; below 1.0 may indicate liquidity stress.

How is the Current Ratio calculated?

Current Ratio is calculated as: Current Assets / Current Liabilities.

Who are UNH's closest peers by Current Ratio?

The closest peers by Current Ratio include: GEN (0.40x), USB (0.40x), CHTR (0.40x), DRI (0.39x), WFC (0.34x).

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Learn More About Current Ratio

Why Working Capital Management Matters More Than You Think

Working capital is more than current assets minus liabilities. Learn why working capital matters for liquidity, efficiency, and competitive advantage, with real data from AMZN, COST, HD, and XOM.

The Formula

Current Assets / Current Liabilities

Why It Matters

Measures short-term financial health. A ratio above 1.5 is generally healthy; below 1.0 may indicate liquidity stress.