UNHNEUTRAL

UNH Debt-to-Equity Ratio Analysis

0.80x

Updated 81h ago·SEC filings & market data

Key Takeaway

With a debt-to-equity ratio of 0.80x, UNH uses 80 cents of debt for every dollar of shareholder equity—a measure of how much leverage the company carries.

Sector Performance

54th percentile

UNH

0.80x

Sector Median

0.74x

Sector Avg

2.51x

Prior Period

0.75x(Apr 2026)

↓ Declining

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Deep Analysis

With a debt-to-equity ratio of 0.80x, UNH uses 80 cents of debt for every dollar of shareholder equity—a measure of how much leverage the company carries.

This sits slightly above the sector median of 0.74x, placing UNH at the 54th percentile among peers, meaning it has a touch more debt than most comparable companies. The trend data is not available: the year-over-year change is N/A and the quarter-over-quarter change is N/A, so no directional signal can be drawn from recent movements. Because the level is only modestly above the sector norm and the trend is unknown, the risk profile is steady rather than clearly tilted toward higher leverage or deleveraging. This offers no strong reason to view UNH as either more risky or more conservative than its sector average on this basis. The metric therefore supports the overall NEUTRAL verdict, as the debt load is unremarkable and provides no push in either direction.

Frequently Asked Questions

What does the Debt-to-Equity Ratio tell investors about UNH?

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.

How is the Debt-to-Equity Ratio calculated?

Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.

Who are UNH's closest peers by Debt-to-Equity Ratio?

The closest peers by Debt-to-Equity Ratio include: TAP (0.76x), PCAR (0.72x), O (0.78x), PRU (0.78x), KIM (0.85x).

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Learn More About Debt-to-Equity Ratio

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Debt/Equity Ratio: How Much Debt Is Too Much?

The debt to equity ratio explained: why context, interest coverage, and sector norms matter far more than the raw number when assessing debt risk.

The Formula

Total Debt / Shareholders' Equity

Why It Matters

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.