UNH
AI Execution Plan
Q1 earnings due Apr 21, EPS est. $6.48 (-10% YoY) amid challenges. Analyst upgrades: Raymond James to Outperform PT $330. Stock down ~50% past year on operational issues, but AI initiatives, billionaire interest (Ken Griffin), and recent outperformance noted.
RSI ~56 (neutral to buy), MACD mixed (some positive signals), 50-day MA > 200-day MA suggesting uptrend potential. Overall technical summary neutral on daily/weekly timeframes per TradingView/Investing.com.
3-Month AI Outlook
Positive. Analyst consensus Overweight/Buy with avg PT $360 (15% upside). Earnings catalyst ahead; recovery from 2025 pressures via Optum/AI growth expected.
Option Chain
| Strike | Bid | Ask | IV % | Vol | OI | Time |
|---|---|---|---|---|---|---|
| $220.0 | 0.01 | 0.09 | 76.9% | 63 | 54 | 2026-04-13 15:38:57 |
| $225.0 | 0.01 | 0.25 | 81.0% | 9 | 173 | 2026-04-13 15:38:57 |
| $230.0 | 0.05 | 0.09 | 80.5% | 238 | 177 | 2026-04-15 15:39:00 |
| $235.0 | 0.09 | 0.12 | 79.3% | 172 | 174 | 2026-04-15 15:38:54 |
| $240.0 | 0.12 | 0.20 | 78.4% | 107 | 1 | 2026-04-15 15:38:54 |
| $245.0 | 0.15 | 0.25 | 75.5% | 182 | 309 | 2026-04-15 15:38:59 |
| $250.0 | 0.27 | 0.30 | 74.1% | 21 | 1 | 2026-04-15 14:49:01 |
| $252.5 | 0.11 | 0.35 | 69.0% | 265 | 241 | 2026-04-15 15:38:56 |
| $255.0 | 0.32 | 0.33 | 70.1% | 45 | 67 | 2026-04-15 15:38:36 |
| $257.5 | 0.11 | 0.51 | 63.4% | 259 | 148 | 2026-04-14 15:24:41 |
| $260.0 | 0.38 | 0.46 | 67.6% | 1 | 84 | 2026-04-15 15:38:59 |
| $262.5 | 0.46 | 0.47 | 66.0% | 90 | 74 | 2026-04-15 15:38:15 |
| $265.0 | 0.40 | 0.52 | 63.0% | 288 | 29 | 2026-04-15 15:39:01 |
| $267.5 | 0.60 | 0.64 | 63.8% | 59 | 50 | 2026-04-15 15:38:58 |
| $270.0 | 0.65 | 0.73 | 62.2% | 27 | 48 | 2026-04-15 15:38:35 |
| $272.5 | 0.78 | 0.79 | 60.9% | 83 | 100 | 2026-04-15 15:38:36 |
| $275.0 | 0.85 | 0.90 | 59.3% | 95 | 82 | 2026-04-15 15:38:58 |
| $277.5 | 1.03 | 1.04 | 58.6% | 19 | 144 | 2026-04-15 15:38:59 |
| $280.0 | 1.14 | 1.24 | 57.4% | 61 | 139 | 2026-04-15 15:38:59 |
| $282.5 | 1.36 | 1.37 | 56.2% | 31 | 41 | 2026-04-15 15:39:00 |
| $285.0 | 1.57 | 1.67 | 55.6% | 60 | 120 | 2026-04-15 15:39:01 |
| $287.5 | 1.85 | 1.86 | 54.4% | 2 | 61 | 2026-04-15 15:39:00 |
| $290.0 | 2.15 | 2.21 | 53.7% | 16 | 170 | 2026-04-15 15:38:59 |
| $292.5 | 2.52 | 2.64 | 53.2% | 5 | 57 | 2026-04-15 15:39:02 |
| $295.0 | 2.77 | 3.03 | 51.6% | 111 | 101 | 2026-04-15 15:38:54 |
| $297.5 | 3.38 | 3.62 | 51.7% | 158 | 117 | 2026-04-15 15:38:54 |
| $300.0 | 3.87 | 4.18 | 50.8% | 147 | 290 | 2026-04-15 15:39:01 |
| $302.5 | 4.62 | 4.95 | 50.9% | 165 | 236 | 2026-04-15 15:38:58 |
| $305.0 | 5.24 | 5.74 | 50.1% | 149 | 307 | 2026-04-15 15:39:02 |
| $307.5 | 6.17 | 6.68 | 50.1% | 59 | 65 | 2026-04-15 15:38:58 |
| $310.0 | 7.05 | 7.37 | 48.8% | 18 | 11 | 2026-04-15 15:39:02 |
| $312.5 | 8.16 | 8.46 | 48.7% | 65 | 175 | 2026-04-15 15:39:02 |
| $315.0 | 9.29 | 9.77 | 48.6% | 44 | 125 | 2026-04-15 15:39:01 |
| $317.5 | 10.46 | 10.92 | 47.7% | 23 | 238 | 2026-04-15 15:39:02 |
| $320.0 | 11.57 | 12.04 | 46.1% | 87 | 1 | 2026-04-15 15:39:01 |
| $322.5 | 13.53 | 13.67 | 47.4% | 33 | 23 | 2026-04-15 15:39:01 |
| $325.0 | 15.02 | 15.43 | 47.3% | 25 | 159 | 2026-04-15 15:38:58 |
| $327.5 | 16.24 | 17.37 | 46.4% | 20 | 232 | 2026-04-15 15:39:02 |
| $330.0 | 18.09 | 19.38 | 47.1% | 129 | 252 | 2026-04-15 15:39:01 |
| $332.5 | 20.21 | 21.18 | 47.4% | 33 | 196 | 2026-04-15 15:39:02 |
| $335.0 | 22.58 | 23.65 | 50.4% | 15 | 23 | 2026-04-15 15:38:17 |
| $337.5 | 23.99 | 25.43 | 47.4% | 11 | 21 | 2026-04-15 15:39:02 |
| $340.0 | 25.73 | 27.44 | 45.4% | 53 | 5 | 2026-04-15 15:39:02 |
| $342.5 | 28.20 | 29.81 | 47.6% | 21 | 28 | 2026-04-15 15:38:16 |
| $345.0 | 31.29 | 32.15 | 52.4% | 12 | 35 | 2026-04-15 15:38:58 |
| $347.5 | 33.60 | 34.73 | 54.7% | 12 | 18 | 2026-04-15 15:38:58 |
| $350.0 | 35.31 | 39.31 | 63.2% | 11 | 12 | 2026-04-15 15:38:12 |
| $352.5 | 37.07 | 42.57 | 66.1% | 16 | 14 | 2026-04-15 15:38:58 |
| $355.0 | 39.48 | 44.75 | 67.0% | 9 | 9 | 2026-04-15 15:38:15 |
| $357.5 | 42.13 | 47.55 | 71.7% | 9 | 10 | 2026-04-15 15:38:17 |
| $360.0 | 45.06 | 49.28 | 72.8% | 12 | 12 | 2026-04-15 15:38:12 |
| $362.5 | 46.07 | 51.85 | 68.1% | 17 | 15 | 2026-04-15 15:38:58 |
| $365.0 | 48.98 | 54.08 | 71.3% | 15 | 11 | 2026-04-15 15:38:58 |
| $370.0 | 54.79 | 59.06 | 80.4% | 14 | 11 | 2026-04-15 15:38:58 |
| $375.0 | 59.52 | 64.45 | 85.8% | 12 | 13 | 2026-04-15 15:38:58 |
| $380.0 | 63.06 | 69.81 | 84.0% | 132 | 131 | 2026-04-15 15:38:36 |
| $385.0 | 69.25 | 74.88 | 95.9% | 113 | 133 | 2026-04-15 15:38:34 |
| $390.0 | 73.04 | 79.17 | 87.9% | 152 | 162 | 2026-04-15 15:38:07 |
| $395.0 | 78.73 | 85.68 | 106.3% | 113 | 131 | 2026-04-15 15:38:36 |
| $400.0 | 85.00 | 87.73 | 99.8% | 113 | 111 | 2026-04-15 15:38:20 |
| $405.0 | 87.83 | 93.62 | 93.0% | 130 | 130 | 2026-04-15 15:36:50 |
| $415.0 | 101.77 | 105.18 | 72.4% | 136 | 136 | 2026-04-13 15:38:14 |
| Strike | Bid | Ask | IV % | Vol | OI | Time |
|---|---|---|---|---|---|---|
| $240.0 | 70.85 | 75.91 | 101.3% | 20 | 20 | 2026-04-15 10:12:14 |
| $245.0 | 70.68 | 75.41 | 87.9% | 24 | 20 | 2026-04-16 14:39:32 |
| $250.0 | 61.33 | 65.52 | 89.0% | 17 | 20 | 2026-04-15 10:10:21 |
| $252.5 | 61.62 | 68.96 | 61.5% | 14 | 11 | 2026-04-16 14:39:25 |
| $255.0 | 59.99 | 66.05 | 74.8% | 34 | 11 | 2026-04-16 14:39:25 |
| $257.5 | 58.30 | 63.80 | 87.3% | 14 | 11 | 2026-04-16 14:39:25 |
| $260.0 | 57.23 | 58.51 | 61.2% | 18 | 30 | 2026-04-16 14:39:45 |
| $262.5 | 48.32 | 52.89 | 66.4% | 19 | 22 | 2026-04-15 10:12:14 |
| $265.0 | 53.23 | 55.38 | 90.3% | 130 | 82 | 2026-04-16 14:39:30 |
| $267.5 | 48.45 | 55.14 | 86.5% | 20 | 18 | 2026-04-16 14:39:32 |
| $270.0 | 46.96 | 51.11 | 79.1% | 122 | 55 | 2026-04-16 14:39:32 |
| $272.5 | 43.11 | 48.69 | 64.6% | 16 | 33 | 2026-04-16 14:39:32 |
| $275.0 | 40.52 | 45.36 | 48.8% | 115 | 49 | 2026-04-16 14:39:30 |
| $277.5 | 37.77 | 43.87 | 56.7% | 60 | 39 | 2026-04-16 14:39:46 |
| $280.0 | 38.08 | 38.68 | 54.8% | 199 | 10 | 2026-04-16 14:39:45 |
| $282.5 | 36.51 | 39.29 | 76.7% | 39 | 64 | 2026-04-16 14:39:45 |
| $285.0 | 33.45 | 34.53 | 57.6% | 18 | 8 | 2026-04-16 14:39:43 |
| $287.5 | 31.41 | 32.42 | 59.0% | 8 | 21 | 2026-04-16 14:39:43 |
| $290.0 | 29.10 | 29.71 | 55.2% | 46 | 110 | 2026-04-16 14:39:45 |
| $292.5 | 27.54 | 28.03 | 59.6% | 74 | 5 | 2026-04-16 14:39:45 |
| $295.0 | 25.16 | 25.46 | 55.8% | 17 | 37 | 2026-04-16 14:39:46 |
| $297.5 | 22.78 | 24.03 | 56.3% | 39 | 11 | 2026-04-16 14:39:45 |
| $300.0 | 20.93 | 21.37 | 53.8% | 55 | 11 | 2026-04-16 14:39:42 |
| $302.5 | 19.00 | 20.00 | 55.0% | 27 | 10 | 2026-04-16 14:39:45 |
| $305.0 | 17.46 | 17.65 | 53.8% | 73 | 21 | 2026-04-16 14:39:43 |
| $307.5 | 15.81 | 16.04 | 53.9% | 15 | 10 | 2026-04-16 14:39:38 |
| $310.0 | 13.84 | 14.53 | 52.9% | 199 | 14 | 2026-04-16 14:39:45 |
| $312.5 | 12.50 | 12.92 | 52.9% | 47 | 54 | 2026-04-16 14:39:40 |
| $315.0 | 10.70 | 11.10 | 50.6% | 167 | 6 | 2026-04-16 14:39:46 |
| $317.5 | 9.59 | 9.89 | 51.2% | 76 | 56 | 2026-04-16 14:39:25 |
| $320.0 | 8.51 | 8.68 | 51.3% | 3 | 30 | 2026-04-16 14:39:46 |
| $322.5 | 7.06 | 7.50 | 50.0% | 167 | 36 | 2026-04-16 14:39:46 |
| $325.0 | 6.14 | 6.69 | 50.6% | 136 | 98 | 2026-04-16 14:39:46 |
| $327.5 | 5.28 | 5.67 | 50.2% | 97 | 68 | 2026-04-16 14:39:35 |
| $330.0 | 4.46 | 4.81 | 49.8% | 98 | 15 | 2026-04-16 14:39:41 |
| $332.5 | 3.83 | 4.11 | 49.9% | 97 | 17 | 2026-04-16 14:39:45 |
| $335.0 | 3.23 | 3.43 | 49.7% | 74 | 99 | 2026-04-16 14:39:30 |
| $337.5 | 2.67 | 2.95 | 49.7% | 90 | 94 | 2026-04-16 14:39:30 |
| $340.0 | 2.23 | 2.42 | 49.5% | 94 | 46 | 2026-04-16 14:39:37 |
| $342.5 | 1.91 | 1.99 | 49.7% | 74 | 84 | 2026-04-16 14:39:32 |
| $345.0 | 1.55 | 1.68 | 49.7% | 40 | 15 | 2026-04-16 14:39:37 |
| $347.5 | 1.27 | 1.41 | 49.8% | 69 | 19 | 2026-04-16 14:39:45 |
| $350.0 | 1.08 | 1.14 | 50.0% | 42 | 16 | 2026-04-16 14:39:37 |
| $352.5 | 0.85 | 1.04 | 50.5% | 151 | 113 | 2026-04-16 14:39:46 |
| $355.0 | 0.69 | 0.92 | 51.1% | 109 | 95 | 2026-04-16 14:39:46 |
| $357.5 | 0.63 | 0.67 | 51.0% | 26 | 12 | 2026-04-16 14:39:32 |
| $360.0 | 0.48 | 0.57 | 51.0% | 45 | 34 | 2026-04-16 14:39:43 |
| $362.5 | 0.40 | 0.54 | 52.1% | 60 | 41 | 2026-04-16 14:39:32 |
| $365.0 | 0.37 | 0.43 | 52.6% | 23 | 1 | 2026-04-16 14:39:43 |
| $370.0 | 0.24 | 0.39 | 54.4% | 154 | 158 | 2026-04-16 14:39:43 |
| $375.0 | 0.15 | 0.27 | 54.7% | 95 | 2 | 2026-04-16 14:39:25 |
| $380.0 | 0.13 | 0.34 | 59.3% | 30 | 203 | 2026-04-16 14:39:45 |
| $385.0 | 0.05 | 0.11 | 53.2% | 289 | 210 | 2026-04-15 15:38:54 |
| $390.0 | 0.07 | 0.31 | 64.4% | 50 | 211 | 2026-04-16 14:39:45 |
| $395.0 | 0.04 | 0.32 | 67.3% | 157 | 170 | 2026-04-16 14:39:42 |
| $400.0 | 0.08 | 0.09 | 64.1% | 46 | 16 | 2026-04-16 14:39:44 |
| $405.0 | 0.02 | 0.18 | 68.4% | 49 | 161 | 2026-04-16 14:39:45 |
| $410.0 | 0.01 | 0.08 | 65.2% | 28 | 137 | 2026-04-16 14:39:45 |
| $415.0 | 0.04 | 0.08 | 70.1% | 22 | 48 | 2026-04-16 14:39:41 |
Earnings History: UNH
UnitedHealth Group Reports Strong Q2 2025 Results and Updates Annual Outlook
Jul 29, 2025In the second quarter of 2025, UnitedHealth Group reported revenues of $111.6 billion, a significant increase of $12.8 billion compared to the same quarter last year. Net earnings for the quarter were $3.4 billion, resulting in a diluted earnings per share (EPS) of $3.74. The company's adjusted EPS for the quarter was $4.08. Meanwhile, UnitedHealth Group has updated its full-year outlook for 2025, projecting revenues between $445.5 billion and $448.0 billion. The company anticipates net earnings of at least $14.65 per share and adjusted earnings of at least $16.00 per share, reflecting a recovery in operating performance after a challenging first half of the year. Additionally, the company announced a 5% increase in its quarterly dividend to $2.21 per share, returning $4.5 billion to shareholders through dividends and share repurchases in Q2. Cash flows from operations were reported at $7.2 billion, equating to 2.0 times net income, highlighting a strong cash position. The company experienced an increase in medical costs, with the consolidated medical care ratio rising to 89.4%, influenced by rising unit costs and the intensity of services delivered. Despite these challenges, UnitedHealth Group is focused on improving operational efficiency and is committed to returning to earnings growth by 2026.
UnitedHealth Group to Release Q2 2025 Earnings on July 29
Jun 2, 2025UnitedHealth Group (NYSE: UNH) will announce its second quarter 2025 financial results on Tuesday, July 29, 2025, before the market opens. The company will also host a teleconference at 8:45 a.m. ET to discuss these results with analysts and investors. A replay of the call will be available on their Investor Relations website until August 12. In addition to its earnings announcement, UnitedHealth Group operates through two main segments: Optum and UnitedHealthcare. Optum focuses on delivering care enhanced by technology and data, while UnitedHealthcare provides a comprehensive range of health benefits to ensure affordable coverage and high-quality care. The company is committed to improving health outcomes and simplifying the healthcare experience for its users. For more information about UnitedHealth Group and their services, investors can visit their website.
Earnings Release (Confirmed)
Apr 21, 2026HIGH
Strategy Overview
Jason Wheel is a systematic, AI‑enhanced trading framework built on probability theory and volatility‑based edge extraction. Designed for the US options market, the system focuses on constructing high‑probability Credit Spread strategies that capture Theta decay while maintaining strict quantitative risk controls to mitigate tail events and support long‑term, stable capital growth.
Rather than relying on directional speculation, the system operates as a closed‑loop asset engine integrating: Macro Risk Control, Multi-dimensional Quantitative Screening, AI-Assisted Decision Making, and Dynamic Position Management.
This architecture enables consistent, rules‑driven execution with an emphasis on risk‑adjusted returns.
Connect with Jason
- Substack: jasonwheel.substack.com
- Email: [email protected]