UNH

UNH AI Signal Analysis

Multi-agent conviction signals powered by SEC filings, insider trades, institutional holdings, and earnings data.

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Signals

Avg conviction

+54

Direction mix

1 bullish0 bearish

May 11, 2026

conviction

Bullish(medium)

Strong Q1 institutional buying ($1.417B Fisher entry) and robust YoY operating cash flow growth (+63.3% to $8.9B) underpin long-term fundamentals. Options activity (7374K call OI increase) and low IV30D (24th percentile) suggest undervalued upside potential. Regulatory risks from 2027 PBM fee transparency rules are time-dilated and unlikely to disrupt 6-month thesis.

+28

+50

+54

Agent Breakdown

Fundamentals AgentBullish

+40

Strong YoY operating cash flow growth (+63.3% to $8.9B) indicates robust liquidity, though QoQ decline (-54.8%) raises near-term execution concerns. Analysts target 4.6% upside at $398 with 24/4 coverage (3B/1H/1S).

Sources

ForensicForensic score: 100/100 (0 flags)
Filing ChangeFinancial Notes — minor changes
Filing ChangeFinancial Notes — moderate changes
Filing ChangeMda — moderate changes
Filing ChangeLegal Proceedings — significant changes
Filing ChangeBusiness — significant changes
EarningsEPS beat: $6.92 vs $6.64 est (+8.9%)
Analyst TargetAnalyst consensus target: $398
Analyst RatingAnalyst consensus: 0 strong buy, 24 buy, 3 hold, 1 sell, 0 strong sell

Insider AgentNeutral

+10

Clusters of buying by 8 insiders in March (weeks of 3/16 and 3/30) suggest coordinated optimism, but no insider purchases occurred in the last 90 days (0 buys vs 1 sell). Recent CEO-level sale of $284K by Conway contrasts with prior bullish activity.

Sources

Insider TradeConway Patrick Hugh sell 800 shares
Insider TradeMCNABB FREDERICK WILLIAM III award 388 shares
Insider TradeBaker Charles D. award 343 shares
Insider TradeMONTGOMERY RICE VALERIE MD award 343 shares
Insider TradeGil Kristen award 8 shares
Insider TradeGottlieb Scott award 1 shares
Insider TradeGARCIA PAUL R award 16 shares
Insider TradeNoel Timothy John award 0 shares
Insider TradeBaker Charles D. award 14 shares

Institutional AgentBullish

+70

Three high-quality institutions added new positions in Q1 2026, with Fisher Asset Management alone committing $1.417B. New entries by reputable managers like CalPERS and Bahl & Gaynor indicate strong conviction despite flat percentage changes.

Sources

13F HoldingFisher Asset Management, LLC (CIK 0000850529): 5237701 shares ($1417269K) +5237701 [NEW]
13F HoldingCALIFORNIA PUBLIC EMPLOYEES RETIREMENT SYSTEM (CIK 0000919079): 2186539 shares ($591655K) +2186539 [NEW]
13F HoldingBAHL & GAYNOR INC (CIK 0000872259): 852428 shares ($230658K) +852428 [NEW]
13F HoldingJENNISON ASSOCIATES LLC (CIK 0000053417): 658056 shares ($178063K) +658056 [NEW]
13F HoldingLansforsakringar Fondforvaltning AB (publ) (CIK 0002059323): 289107 shares ($78229K) +289107 [NEW]

Options AgentBullish

+60

Strong call buying dominates with 0.33 put/call volume ratio and $309.6M in bullish sweeps. Low IV30D (27.7%) at 24th percentile suggests underpriced volatility risk, while ATM call mispricing (-23.8%) indicates potential value for longs. Open interest in calls has grown +7374K over 21 days, showing accumulation.

Sources

IV DataIV metrics: 24.2% percentile, IV/HV ratio 0.79

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No trade plan available

The system did not produce a valid trade setup for this signal.

Policy linkage: inferred company relevanceMechanism quality: specific

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Not financial advice. For informational purposes only. Past performance does not guarantee future results.