I don't see it clearly I sell with losses$UNH (-6,48 %) ... with the fall of oil I will rotate to pretolers with low PERs and focus on dividends $FANG (-1,74 %)
$REP (+0,61 %)
$CNQ (+1,26 %)
$XOM (-0,14 %)
$CVX (-1,51 %) If things get ugly even with a recession, I think it can protect oil🫤🛢️

UnitedHealth is the largest health insurance provider in the US, a company that has had a great track record over the last years, continually increasing revenue and profit with very few exceptions. So what’s causing the massive selloff of more than 20%? When $UNH reported earnings most figures where within expectations. Yes, the EPS estimate was missed by a percent or so, but does that realistically justify a 20% decline in the stock? I don’t think so, even with reduced expectations for the year (who can blame them in the current market situation), I remain extremely bullish on this company currently trading at a forward P/E ratio of 17 and expected growth of around 10%. This could be a great opportunity to open a position in this industry-leading company, after a in my opinion massively overblown selloff.

$UNH (-6,48 %)
#dividends

$UNH (-6,48 %)

• Adj EPS: $7.20 (Est. $7.29) ❌
• Revenue: $109.6B (Est. $111.5B) ❌; UP +9.8% YoY
• Earnings from Operations: $9.1B; UP +15.2% YoY
• Net Margin: 5.7% (Prev. -1.4% YoY)
• Medical Care Ratio: 84.8% (Prev. 84.3% YoY)
• Operating Cost Ratio: 12.4% (Prev. 14.1% YoY)
• Days Claims Payable: 45.5 (Prev. 47.1 YoY)
• Cash Flows from Operations: $5.5B
• Returned nearly $5B to shareholders via dividends and share repurchases
• Return on Equity: 26.8%

FY25 Guidance (Revised):

• Adj EPS: $26.00–$26.50 (Prev. $29.50–$30.00) ❌

Q1 Segment Performance:

UnitedHealthcare

• Revenue: $84.6B; UP +$9.3B YoY
• Operating Earnings: $5.2B (vs. $4.4B YoY)
• Operating Margin: 6.2% (vs. 5.8% YoY)
• Members Served (YTD): +780,000
• Growth in Senior & Complex Care Members: +545,000 in Q1
• Self-Funded Commercial Members: +700,000
• Medicaid Membership: 7.6M

Optum

• Revenue: $63.9B (Est. 67B)
• Operating Margin: 6.1% (vs. 5.8% YoY)

Optum Health

• Revenue: $25.3B
• Targeting +650,000 new value-based care patients in 2025

Optum Insight

• Revenue: $4.6B
• Backlog: $32.9B
• Launched AI-powered claims tools with 20%+ productivity gains

Optum Rx

• Revenue: $35.1B
• Adjusted Scripts: 408M (vs. 395M YoY)

Company Commentary:

• "Performance did not meet expectations; aggressively addressing challenges to return to long-term EPS growth target of 13–16%." – CEO Andrew Witty
• Heightened care activity and changes in Medicare Advantage member profiles drove the downward revision in outlook
• Still expects 650,000 new value-based care patients in Optum Health for FY25

$UNH (-6,48 %)

🔹 Adj EPS: $7.20 (Est. $7.29) 🔴

🔹 Revenue: $109.6B (Est. $111.5B) 🔴; UP +9.8% YoY

🔹 Earnings from Operations: $9.1B; UP +15.2% YoY

🔹 Net Margin: 5.7% (Prev. -1.4% YoY)

🔹 Medical Care Ratio: 84.8% (Prev. 84.3% YoY)

🔹 Operating Cost Ratio: 12.4% (Prev. 14.1% YoY)

🔹 Days Claims Payable: 45.5 (Prev. 47.1 YoY)

🔹 Cash Flows from Operations: $5.5B

🔹 Returned nearly $5B to shareholders via dividends and share repurchases

🔹 Return on Equity: 26.8%

FY25 Guidance (Revised):

🔹 Adj EPS: $26.00–$26.50 (Prev. $29.50–$30.00) 🔴

Q1 Segment Performance:

UnitedHealthcare

🔹 Revenue: $84.6B; UP +$9.3B YoY

🔹 Operating Earnings: $5.2B (vs. $4.4B YoY)

🔹 Operating Margin: 6.2% (vs. 5.8% YoY)

🔹 Members Served (YTD): +780,000

🔹 Growth in Senior & Complex Care Members: +545,000 in Q1

🔹 Self-Funded Commercial Members: +700,000

🔹 Medicaid Membership: 7.6M

Optum

🔹 Revenue: $63.9B (Est. 67B)

🔹 Operating Earnings: $3.9B (vs. $3.5B YoY)

🔹 Operating Margin: 6.1% (vs. 5.8% YoY)

Optum Health

 🔹 Revenue: $25.3B

 🔹 Targeting +650,000 new value-based care patients in 2025

Optum Insight

 🔹 Revenue: $4.6B

 🔹 Backlog: $32.9B

 🔹 Launched AI-powered claims tools with 20%+ productivity gains

Optum Rx

 🔹 Revenue: $35.1B

 🔹 Adjusted Scripts: 408M (vs. 395M YoY)

Company Commentary:

🔸 "Performance did not meet expectations; aggressively addressing challenges to return to long-term EPS growth target of 13–16%." – CEO Andrew Witty

🔸 Heightened care activity and changes in Medicare Advantage member profiles drove the downward revision in outlook

🔸 Still expects 650,000 new value-based care patients in Optum Health for FY25