19 purchases in 2025, some already in the red
$CVS (+2.03%)
$OSCR
$CI (+4.06%)
$HUM (-2.53%)
$CNC (-1.02%)
$ELV (-0.89%)
Posts
1119 purchases in 2025, some already in the red
$CVS (+2.03%)
$OSCR
$CI (+4.06%)
$HUM (-2.53%)
$CNC (-1.02%)
$ELV (-0.89%)
Supplementary information/further research:
ESPP programs have a contribution limit of $25,000 per year per employee under IRS 423c. You cannot buy unlimited shares. This buying pressure is negligible for price movements (especially long term).
In addition, the buying power is split between two purchase dates.
The participation rate of $UNH (-0.4%) employees in the ESPP is unlikely to be anywhere near 100% and some employees will often sell their shares on the same day they buy them as there is no holding period.
Here are more insights from Mr. Peter Ottavio on UNH/Optum Rx and Optum Health:
(For those who are interested)
These are just a few of the many reasons why I love working at this company as a partner/physician of OptumHealth/UHG. UNH functions more like three efficient companies in one.
OptumHealth is a subsidiary of UnitedHealth Group and focuses on healthcare delivery, population health management and technology-enabled services. With approximately 90,000 physicians and 40,000 healthcare providers, it is the largest provider network in the country. This size provides providers with the resources they need to care for patients efficiently and effectively. Of all the health systems I've worked for, I've never had the resources to care for a sick patient so effectively. In addition, I have never experienced such tremendous growth of a provider network during my three years here.
If a patient comes to me with a cough, I can immediately have x-rays and blood work done in the same building without authorization or delay. The patient then comes back into the hallway to review the images and discuss the next steps in treatment. In the unlikely event that a lung tumor is detected, I can have a CT scan of the chest performed immediately on campus (or off campus if the patient wishes) on the same day and come back the same day to discuss the next steps. If a PET scan is then required, I can have this done as soon as possible. I can honestly say that I have never been refused a CT or PET scan for valid reasons.
OptumRx is the pharmacy benefit management and pharmacy supply arm of UnitedHealth Group and is one of the largest mail-order pharmacies in the country. OptumRx often provides necessary medications affordably and efficiently. The choice is up to the patient, but for long-term therapy, many choose this route.
The sad news about Brian Thompson has hit us hard. While I have heard many good things about him, the role of the insurance arm of the company is not one of my responsibilities.
I have watched countless hours of interviews and presentations by Hemsley and would liken him to Steve Jobs as the true expert on these companies and would definitely welcome him back.
Regarding ESPP.
UnitedHealth Group's Employee Stock Purchase Plan (ESPP) allows eligible employees of UnitedHealth Group (UHG), including its subsidiaries such as UnitedHealthcare, to purchase UHG common stock (traded under the symbol UNH) at a discounted price through payroll deductions. Employees who elect to do so will receive six months of regular payroll deductions from January 2 through July 1 and from July 2 through January 1. These payroll deductions are accumulated in an escrow account and purchased on July 1 at a discounted rate at the same time. Our portfolio books the purchase on the following day.
None of this is financial advice, but for those of you who have requested information on the role of UHG companies and their ESPP, this is the well-documented and non-confidential information provided.
O último mês foi marcado por bastante volatilidade, mas no geral, os resultados reforçam a minha estratégia. O momento mais baixo aconteceu no dia 08 de janeiro, quando observei uma queda de -1,15% no meu portfólio. No entanto, a maior alta foi de 4,42%, o que valida as entradas que fiz nas ações anteriormente mencionadas.
Estas são as que continuo a reforçar com base na minha análise:
Em relação ao mercado cripto, apesar da baixa gigantesca deste mês, não vejo nenhuma grande oportunidade no momento. Vou aguardar para decifrar melhor os acontecimentos e analisar o que fazer no futuro.
A volatilidade está extrema, e prefiro manter uma abordagem estratégica antes de qualquer decisão.
Agora, o foco está em balancear os aportes e aproveitar as melhores oportunidades que surgirem.
O mercado continua incerto e volátil, mas isso também abre portas para novas entradas estratégicas.
Vamos ver como este mês corre e quantos pontos percentuais conseguimos alcançar com esta abordagem! 🚀📢
🔍 E vocês, como têm gerido esta volatilidade? Alguma destas ações faz parte da vossa carteira? Partilhem a vossa visão! 💬📊
🔹 Adjusted EPS: $3.84 (Est. $3.84) 🟡
🔹 Operating Revenue: $44.99B (Est. $44.84B) 🟢
🔹 Medical Membership: 45.7M (Est. 46.22M) 🔴
FY25 Guidance:
🔹 Adj EPS: $34.15-$34.85 (Est. $34.87) 🔴
Q4 Segments:
Health Benefits:
🔹 Operating Revenue: $37.6B (UP +3% YoY)
🔹 Adjusted Operating Gain: $0.3B (DOWN from $0.8B YoY)
Carelon (CarelonRx & Carelon Services):
🔹 Operating Revenue: $14.7B (UP +19% YoY)
🔹 Adjusted Operating Gain: $0.8B (UP +32% YoY)
Operational Metrics:
🔹 Benefit Expense Ratio: 92.4% (UP 320 bps YoY)
🔹 Adjusted Operating Margin: 2.3% (DOWN from 3.2% YoY)
🔹 Days in Claims Payable: 42.9 days (DOWN from 47.3 YoY)
Shareholder Returns:
🔹 Quarterly Dividend: Increased by 5% to $1.71/share
🔹 Share Buyback: $1.8B in Q4 2024
Strategic Commentary:
🔸 CEO emphasized efforts to simplify the healthcare experience, improve Carelon’s impact, and leverage innovative care models for sustainable growth.
🔸 Investments in cost management and efficiency continue to drive profitability, despite headwinds from Medicaid cost trends.
sell $LMT (-0.24%)
$RIO (+2.67%)
$TGT (+0.23%)
$ELV (-0.89%)
$SAN (+0.09%)
$CVX (+0.39%)
$MC (-1.05%)
$ASML (-2.4%)
$VICI (-0.22%)
Wide $NKE (+0.55%)
$MDLZ (+0.26%)
$HSY (-0.43%)
New position $JEPQ (+1.27%)
I want to have a simpler dividend portfolio with what I have the 6 stocks that I like the most and from different sectors and a Nasdaq monthly distribution ETF with options#dividends
What do you think?
+++ News: Heated mood around US health insurers +++
The shares of well-known insurance companies such as $UNH (-0.4%) but also those of competitors $ELV (-0.89%)
$HUM (-2.53%) and $CI (+4.06%) have fallen surprisingly this week. Although the losses are limited, the reasons for this are more than just shocking.
As I reported earlier, the CEO of United Healthcare's insurance division was the victim of a targeted assassination. While the police are now investigating at full speed, the perpetrator is currently the target of downright hero worship on social media. The assassin is repeatedly equated with characters from pop culture such as Batman, Robin Hood or John Wick.
Insults against the victim and his family are also liked and shared thousands of times. It is not just the viciousness of the comments that is frightening - but the fact that, as is so often the case in such instances, the platforms simply let them stand.
Insurers' shares are currently falling because there are fears that there could be further murders of insurance employees. The management of the major insurance companies is alarmed and has hastily removed photos and other personal data of their "C-level executives" from their websites.
Commentary and classification: After the failed assassination attempt on Trump, I'm hardly surprised at the kind of people we're dealing with here. The same people who talk about democracy and human rights in every other sentence are the same people who are now calling for the assassination of their ideological opponents once again. Even a good ESG score doesn't help United Health against so much hatred.
From a purely shareholder perspective, this charged sentiment towards the banking and insurance sector is $JPM (+1.33%) is of course a systemic risk when investing. However, these are not necessarily particularly controversial sectors. Retailers $WMT (-1.45%) pharmaceuticals $PFE (-0.43%)
$CVS (+2.03%) consumer goods manufacturers $KVUE (-0.28%)
$BATS (-1.1%) defense companies $LMT (-0.24%) etc. could soon find themselves in the crosshairs.
If you really want to be absolutely sure of being invested in a politically correct way, simply put your money in Northvolt and make a 90% loss. This also ensures that you can "eat the rich" can no longer be meant.
$UNH (-0.4%) - United Health
After the numbers were very solid and the other health insurers/sector didn't really react strongly.
Which other health insurers could also react strongly after the numbers and surprise positively?
Which one is your favorite and why ?
$CVS (+2.03%) - CVS Health
$HUM (-0.34%) - Humana
$ELV (-0.89%) - Elevance Health
$HCA (+0.56%) - HCA Healthcare
$CI (+4.06%) - Cigna
$CNC (-1.02%) - Centene
Or do you have other favorites or companies from the sector on your watchlist?
𝗠𝗮𝗿𝗸𝗲𝘁 𝗡𝗲𝘄𝘀 🗞️
𝗠𝗶𝗰𝗿𝗼𝘀𝗼𝗳𝘁-𝗖𝗘𝗢 𝘃𝗲𝗿𝗸𝗮𝘂𝗳𝘁 𝘀𝗲𝗶𝗻𝗲 𝗔𝗸𝘁𝗶𝗲𝗻 / 𝗦𝗾𝘂𝗮𝗿𝗲 𝗺𝗶𝘁 𝗻𝗲𝘂𝗲𝗺 𝗡𝗮𝗺𝗲𝗻 / 𝗦𝗰𝗵𝘄𝗲𝗶𝘇𝗲𝗿 𝗕𝗿𝗶𝗲𝗳𝗺𝗮𝗿𝗸𝗲𝗻-𝗡𝗙𝗧
𝗘𝘅-𝗗𝗮𝘁𝗲𝘀 📅
As of today, among others, Analog Devices ($ADI (+0.77%)), Anthem ($ANTM (-0.89%)), Arthur J. Gallagher & Co. ($AJG (-0.06%)), Bank of America ($BAC (+1.05%)), Baxter International ($BAX (-1.29%)), BROWN-FORMAN B ($BF.B (+0.31%)), Dominion Energy ($D (-0.8%)), Imperial Oil ($IMO (+1.09%)), Linde plc ($LIN), Nasdaq ($NDAQ (-0.03%)), National Grid ($NG. (+0.4%)), PepsiCo ($PEP (-0.25%)), Suncor Energy ($SU (-0.64%)), Ingersoll Rand ($IR (+1.69%)) and Waste Management ($WM (-1.06%)) traded ex-dividend.
𝗤𝘂𝗮𝗿𝘁𝗮𝗹𝘀𝘇𝗮𝗵𝗹𝗲𝗻 📈
Today, among others, Dollar General ($DG (-0.2%)), DocuSign, Inc. ($DOCU (+0.11%)), Canadian Imperial Bank of Commerce ($CM (+0.07%)) , Marvell Technology Group ($MVL) and Toronto-Dominion Bank ($TD (+0.68%)) presented their figures.
𝗠𝗮𝗿𝗸𝗲𝘁𝘀 🏛️
Microsoft ($MSFT (+0.47%)) - Microsoft CEO Satya Nadella is divesting half of his Microsoft shares, worth $285 million. According to a Microsoft spokesperson, Nadella is selling his shares for diversification and personal financial planning reasons. However, it is believed that he needs the money primarily for tax payments that may soon be due on long-term capital gains. For the same reason, Tesla ($TSLA (-0.58%)) chief Elon Musk sold share packages worth billions.
Square ($SQ (+0.18%)) - The payment service Square is changing its name to Block. The background to this is that Square now wants to focus more on the area of cryptocurrencies, the abbreviation "Block" stands for blockchain. The name change is to be implemented as early as December 10.
𝗖𝗿𝘆𝗽𝘁𝗼 💎
EU countries have agreed on new transparency rules for remittances using bitcoin ($BTC (+0.28%)) and co. On Wednesday, the EU issued a press release saying that all transfers with cryptocurrencies should be traceable in the future. This would mean that anonymous cryptowallets would no longer be allowed. Crypto service providers would thus be obliged to make the information about the recipient and sender of the transfer transparent. The background of the EU lies in the fight against criminal transactions with cryptocurrencies.
Swiss Post NFTs - On Nov. 25, 2021, Swiss Post launched 175,000 NFT stamps for 8.90 Swiss francs each. The NFT stamps were well received, selling out after only four hours. The stamps are available in 13 different designs. The novel stamp can also be used to frank a letter through a QR code on the physical stamp. However, it is mainly used as a collector's item.
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