UNH - UnitedHealth Group Incorporated

NYSE - NYSE Delayed Price. Currency in USD
255.25
+1.16 (+0.46%)
At close: 4:01PM EST
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Previous Close254.09
Open253.59
Bid0.00 x 3100
Ask255.25 x 900
Day's Range253.41 - 255.76
52 Week Range208.07 - 287.94
Volume1,773,308
Avg. Volume4,144,364
Market Cap246.842B
Beta (3Y Monthly)0.61
PE Ratio (TTM)18.57
EPS (TTM)13.75
Earnings DateJan. 13, 2020 - Jan. 17, 2020
Forward Dividend & Yield4.32 (1.70%)
Ex-Dividend Date2019-12-06
1y Target Est287.08
  • The Zacks Analyst Blog Highlights: Mastercard, UnitedHealth, Merck, Qualcomm and CVS Health
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    The Zacks Analyst Blog Highlights: Mastercard, UnitedHealth, Merck, Qualcomm and CVS Health

    The Zacks Analyst Blog Highlights: Mastercard, UnitedHealth, Merck, Qualcomm and CVS Health

  • Business Wire

    Sir Andrew Witty Named UnitedHealth Group President

    UnitedHealth Group has appointed Andrew Witty UnitedHealth Group President.

  • Apple Co-Founder Says Goldman’s Apple Card Algorithm Discriminates
    Bloomberg

    Apple Co-Founder Says Goldman’s Apple Card Algorithm Discriminates

    (Bloomberg) -- Apple Inc. and Goldman Sachs Group Inc., two of the most recognizable companies in tech and finance, are caught up in a growing debate over whether lenders unintentionally discriminate when they use complex models to determine how Americans borrow money.On Saturday, Bloomberg reported that a Wall Street regulator had opened a probe into Goldman’s credit card practices after a viral tweet from a tech entrepreneur alleged that the Apple Card’s algorithms discriminated against his wife.Now another high-profile user of the Apple Card -- Apple co-founder Steve Wozniak -- is calling for the government to get involved, citing excessive corporate reliance on mysterious technology.“These sorts of unfairnesses bother me and go against the principle of truth. We don’t have transparency on how these companies set these things up and operate,” Wozniak said in an interview on Sunday. “Our government isn’t strong enough on the issues of regulation. Consumers can only be represented by the government because the big corporations only represent themselves.”Wozniak said he can borrow 10 times as much as his wife on their Apple Cards even though they share bank and other credit card accounts, and that other lenders treat them equally.“Algos obviously have flaws,” Wozniak said. “A huge number of people would say, ‘We love our technology but we are no longer in control.’ I think that’s the case.”Lenders have promoted the models because they’re supposed to level the playing field among different borrowers by removing human error and focusing only on data.Apple Card only offers individual accounts and it is possible for two family members to receive significantly different credit decisions, a Goldman spokesman said. “In all cases, we have not and will not make decisions based on factors like gender,” he said.The investigation was launched in response to a series of Twitter posts from David Heinemeier Hansson that railed against the Apple Card for giving him 20 times the credit limit that his wife got. The tweets, many of which contain profanity, immediately gained traction online -- and a response on Twitter from Wozniak.Hansson didn’t disclose any specific income-related information for the couple but said they filed joint tax returns and that his wife has a better credit score than he does. Wozniak said he and his wife also file joint returns and share credit card and bank accounts.“The department will be conducting an investigation to determine whether New York law was violated and ensure all consumers are treated equally regardless of sex,” said a spokesman for Linda Lacewell, the superintendent of the NY DFS. “Any algorithm that intentionally or not results in discriminatory treatment of women or any other protected class of people violates New York law.”It’s the second such action in recent weeks from the regulator, which opened a probe against health-care giant UnitedHealth Group Inc. after a study found an algorithm favored white patients over black patients.“New technologies cannot leave certain consumers behind or entrench discrimination,” Lacewell said in a statement on Sunday. She also solicited complaints from aggrieved consumers on Twitter.Traditional lenders are increasing their use of machines to decide who gets how much credit as part of a strategy to reduce costs and boost loan applications. Meanwhile, technology companies are moving in on the financial services industry’s turf, with businesses such as Amazon, Apple, Facebook and Google threatening banks’ lucrative business lines by offering loans and payment options.Congressional ScrutinyThe algorithms have drawn scrutiny in Congress. In June, the House Financial Services Committee heard about examples of algorithmic decision-making where researchers have found instances of bias targeting specific groups even when there was no intent to discriminate.Some lawmakers already are demanding a federal response. Senator Elizabeth Warren, a Massachusetts Democrat and contender to challenge President Donald Trump in the 2020 election, told federal regulators in June that the government “will have to take action to ensure that anti-discrimination laws keep up with innovation.”For Goldman, its growing ambitions for Main Street are bringing increased scrutiny and a new set of challenges it hasn’t faced previously. The Apple Card is a joint venture between Apple and the New York-based bank, which is responsible for all the credit decisions on the card. It was rolled out earlier this year -- the tech giant markets it as “created by Apple, not a bank” -- and executives at both firms hailed it as the most successful launch ever.Hansson said Goldman isn’t treating inadvertent bias seriously.“As soon as this became a PR issue, they immediately bumped up her credit limit without asking for any additional documentation,” he said of his wife in an interview Saturday. “My belief isn’t there was some nefarious person wanting to discriminate. But that doesn’t matter. How do you know there isn’t an issue with the machine-learning algo when no one can explain how this decision was made?”To contact the reporters on this story: Shahien Nasiripour in New York at snasiripour1@bloomberg.net;Sridhar Natarajan in New York at snatarajan15@bloomberg.netTo contact the editors responsible for this story: Michael J. Moore at mmoore55@bloomberg.net, Josh Friedman, Matthew G. MillerFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.

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  • Bloomberg

    Viral Tweet About Apple Card Leads to Goldman Sachs Probe

    (Bloomberg) -- A Wall Street regulator is opening a probe into Goldman Sachs Group Inc.’s credit card practices after a viral tweet from a tech entrepreneur alleged gender discrimination in the new Apple Card’s algorithms when determining credit limits.A series of posts from David Heinemeier Hansson starting Thursday railed against the Apple Card for giving him 20 times the credit limit that his wife got. The tweets, many of which contain profanity, immediately gained traction online, even attracting comment from Apple co-founder Steve Wozniak.Hansson didn’t disclose any specific income-related information for either of them but said they filed joint tax returns and that his wife has a better credit score than he does.“The department will be conducting an investigation to determine whether New York law was violated and ensure all consumers are treated equally regardless of sex,” said a spokesman for Linda Lacewell, the superintendent of the New York Department of Financial Services. “Any algorithm, that intentionally or not results in discriminatory treatment of women or any other protected class of people violates New York law.”Apple Card only offers individual accounts and it is possible for two family members to receive significantly different credit decisions, a Goldman spokesman said. “In all cases, we have not and will not make decisions based on factors like gender,” he said.Hansson said Goldman’s response doesn’t explain what happened after he started airing his issues on social media.“As soon as this became a PR issue, they immediately bumped up her credit limit without asking for any additional documentation,” he said in an interview. “My belief isn’t there was some nefarious person wanting to discriminate. But that doesn’t matter. How do you know there isn’t an issue with the machine-learning algo when no one can explain how this decision was made?”This is the second such action from the regulator in recent weeks. NY DFS opened a probe against health care giant UnitedHealth Group Inc. after a study found an algorithm favored white patients over black patients.Goldman’s growing ambitions for main street is bringing increased scrutiny and a new set of challenges it hasn’t faced previously. The Apple Card is a joint venture between Apple Inc. and the New York-based bank, which is responsible for all the credit decisions on the card. The card was rolled out earlier this year and executives at both firms hailed it as the most successful launch ever.Traditional lenders are upping their use of machines to decide who gets how much credit as part of a strategy to reduce costs and boost loan applications. Meanwhile, technology companies are moving in on the financial services industry’s turf, with businesses such as Amazon, Apple, Facebook and Google offering loans and payment options.Black-Box AlgorithmsHansson said his posts had led to an internal review and that he was hopeful it would spark a conversation about black-box algorithms and the inherent biases in those systems.The 40-year-old Dane is known for being the creator of the popular programming tool Ruby on Rails. He’s a partner at Basecamp, a web-based software development firm, and also known to regularly take part in automobile endurance races, including the 24 hours of Le Mans in France.“Goldman and Apple are delegating credit assessment to a black box,” Hansson said. “It’s not a gender-discrimination intent but it is a gender-discrimination outcome.”The use of algorithms by lenders in credit decisions has drawn scrutiny in Congress. In June, the House Financial Services Committee heard about examples of algorithmic decision-making where researchers have found instances of bias targeting specific groups even when there was no intent to discriminate.Some lawmakers already are demanding a federal response. Sen. Elizabeth Warren, a Massachusetts Democrat and contender to challenge President Donald Trump in the 2020 presidential election, told federal regulators in June that the government “will have to take action to ensure that anti-discrimination laws keep up with innovation.(Updates with tweet from Steve Wozniak.)To contact the reporters on this story: Sridhar Natarajan in New York at snatarajan15@bloomberg.net;Shahien Nasiripour in New York at snasiripour1@bloomberg.netTo contact the editors responsible for this story: Michael J. Moore at mmoore55@bloomberg.net, Virginia Van Natta, Matthew G. MillerFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.

  • Top Analyst Reports for Mastercard, UnitedHealth & Merck
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  • Genesis Healthcare's (GEN) Q3 Earnings Beat, Improve Y/Y
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  • Business Wire

    UnitedHealth Group Board Authorizes Payment of Quarterly Dividend

    The UnitedHealth Group board of directors has authorized payment of a cash dividend of $1.08 per share, to be paid on December 17, 2019, to all shareholders of record of UnitedHealth Group common stock as of the close of business on December 9, 2019.

  • The UnitedHealth Group (NYSE:UNH) Share Price Is Up 162% And Shareholders Are Boasting About It
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    The UnitedHealth Group (NYSE:UNH) Share Price Is Up 162% And Shareholders Are Boasting About It

    The worst result, after buying shares in a company (assuming no leverage), would be if you lose all the money you put...

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  • Which Companies Recently Raised Guidance?
    Yahoo Finance

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    Third-quarter EPS season is in the homestretch, with blue-chip Utilities, Financial Services, Consumer and Industrial companies all releasing reports. Through 11/1/2019, Refinitiv reported that 356 S&P 500 companies have now announced 3Q earnings, with 76% coming in above consensus, ahead of the past four-quarters average percentage of 74%. The better-than-expected results have improved the overall forecast for the quarter to a -0.8%, from -3.2% at the start of the reporting season. Our analysts are always on the lookout for companies that raise their outlooks during earnings season. Management’s ability to “raise guidance” can often be a catalyst to strong returns in the quarters ahead. Following are 12 BUY-rated companies in Argus coverage for which management has raised guidance during the current EPS reporting season.

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  • Cigna (CI) Q3 Earnings & Revenues Beat Estimates, View Up
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  • Community Health's (CYH) Q3 Loss Narrower Than Expected
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  • HCA Healthcare (HCA) Q3 Earnings Beat Estimates, Improve Y/Y
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  • New UnitedHealthcare Benefit for Low Back Pain Helps Reduce Invasive Procedures and Address the Opioid Epidemic
    Business Wire

    New UnitedHealthcare Benefit for Low Back Pain Helps Reduce Invasive Procedures and Address the Opioid Epidemic

    UnitedHealthcare has introduced a new benefit for people with acute low back pain that makes it more affordable to access physical therapy and chiropractic care, helping to improve health outcomes, reduce costs and avoid often unnecessary invasive treatments and opioid prescriptions. “This new benefit design may help encourage people with low back pain to get the right care at the right time and in the right setting, helping expand access to evidence-based and more affordable treatments,” said Anne Docimo, M.D., UnitedHealthcare chief medical officer.

  • Universal Health's (UHS) Earnings Lag in Q3, Decline Y/Y
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  • The Zacks Analyst Blog Highlights: Facebook, UnitedHealth, HSBC, PetroChina and Netflix
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  • Have Insiders Sold UnitedHealth Group Incorporated (NYSE:UNH) Shares Recently?
    Simply Wall St.

    Have Insiders Sold UnitedHealth Group Incorporated (NYSE:UNH) Shares Recently?

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  • Thomson Reuters StreetEvents

    Edited Transcript of UNH earnings conference call or presentation 15-Oct-19 12:45pm GMT

    Q3 2019 UnitedHealth Group Inc Earnings Call