$UNH only 3 months left before re-pricing kicks in!

9월 2일

- All the health insurers are going to raise prices starting 2026 which should improve the margins of healthcare insurers starting 2026

- We have only 3 months left to load up before fundamentals starts improving and start showing up in the numbers of earning reports.

- All the analyst estimates which have been lowered in last 6 months will be incorrect and UNH should comfortably beat those which will lead to re-rating of the stock and eventually it should trade above 450+ before June 2026

9월 2일

노트

Point target # 1 : 350
Point target #2 : 380
Point target # 3: 400
Point target # 4: 450
Point target # 5: 500

9월 2일

노트

- I am hopeful that we should reach above point target #2 before end of the year! i.e $380+

9월 2일

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- Solid display of strength on red bloodshed day in the market

9월 4일

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- Please note that UNH has a massive scale, more than 50 million paying customers. If they increase premiums even by few hundreds then they will be adding billions in revenue.

- Secondly, UNH is investing in AI/Data Science talent which will lead to improved operations as their AI projects gets in use. They have lot of employees and automating many internal workloads or for customers could really save millions of $$$ for them.

careers.unitedhealthgroup.com/job-search-results/?keyword=data science

9월 4일

노트

There are three main tailwinds for UNH in 2026

- Premium increase so that they can offset their losses because of higher MLR ratio

- AI/ML projects would lead to operational efficiency at scale

- Seasoned leadership who has decade of experience leading the UNH with market beating returns.

- There are lot of companies which will have slowdown in growth in 2026 whereas UNH has chosen to sandbag their guidance and realized the losses earlier which they could have spread across multiple quarters. This implies the expectations are low for UNH and 2025 is the year of dip and it will start growing from next year.

- Market is almost at all time highs, any fear in the market will lead to money rotating to defensive sector of the market. Therefore, risk/return favours staying long UNH for 2026 and accumulate as much as you can on any dips in the 2025

9월 8일

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- On September 8, 2025 : SMA (7) is about to cross SMA (100) which shows that bullish momentum is building and Bulls are in control.

9월 9일

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- Don't be scared, ride the momentum, rally has legs as it's still very undervalued.

- Re-pricing will lead to massive offset to the losses and will improve margins.

- UNH has huge fortress of cash sitting in their balance sheet. I'm sure they are buying back the shares heavily on the discount. This will boost their EPS and reduce the amount of dividends they give out.

- UNH should trade above $380 before year end 2025 and should be > $450 before June 2026

9월 9일

노트

- You know what the best thing about today's move? market cap is still pretty low for UNH ~ $315 B only.
- Long way to go! Anything under 500B for this company is unjustified

9월 11일

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UNH has entered the GAP marked in green box today on Sep 11, 2025. Long way to go! it needs to close the gap at $380 and then try to test and eventually take down $400

9월 17일

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- UNH went to $360 and then pulled back after dividend day. Currently, it's bull flagging and consolidating to continue it's target to fill the gap at $380 and then test the 200 SMA around $400 . This is a good price action and consolidation before running up gives me more confidence in the sustained turnaround and uptrend.

10월 8일

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- UNH continues to breakout and grind higher.

10월 11일

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- Stay long and buy the dips, Tariff war with China has nothing to with UNH
- UNH business is all within US