UNH
the council passes — AVOIDUnitedHealth Group Incorporated·Financial Services
Doesn't clear the council's bar right now.
46/100D
Price at last run$427as of Jul 8, 2026
quality compounderHigh returns on capitalROIC ~18% — it earns well on the money it puts to work.
Strong gross margins89% gross margin.
Generates real cash4.1% free-cash-flow yield — profits you can actually bank.
GrowingRevenue growing ~12%.
Catalystnone yet
✕Why not
The honest case against — what most tools hideWhat keeps us out
- Debt rising faster than cash flow.
Patience price & distance
as of Jul 8, 2026 runThe patience price is where value discipline would let the council in — deliberately strict: we'd rather miss ten winners than own one loser.
Catalyst
none yet
A catalyst is a plausible reason the gap could close — never a certainty.