UNH UnitedHealth Group

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Dual-segment model: UnitedHealthcare (health benefits) + Optum (health services/tech), serving payers, providers, patients, and governments
• • Major leadership overhaul: new CEO (Hemsley, May 2025), CFO (DeVeydt, Sept 2025), UHC CEO (Noel, Jan 2025), and Optum CEO (Conway, May 2025) — near-complete C-suite reset
• • CMS premium revenue = 44% of total consolidated revenues, dominated by UnitedHealthcare Medicare & Retirement's 8.4M Medicare Advantage members
• • Optum Rx managed $188B in pharmaceutical spending in 2025, including ~$87B in specialty pharma, across ~64,000 retail pharmacies
• • Optum Insight backlog declined to $31.1B from $32.8B YoY; Jan 2026 realignment moved Optum Financial (~26M accounts, $27B AUM) from Optum Health into Optum Insight

Management Discussion & Analysis

• • Revenue $447.6B, up 12% YoY ($47.3B increase); UnitedHealthcare +16% to $344.9B; Optum +7% to $270.6B
• • Operating margin collapsed to 4.2% vs 8.1% prior year; MCR deteriorated to 89.1% vs 85.5%; net earnings margin 2.7% vs 3.6%
• • Best segment: Optum Rx revenue +$21.5B to $154.7B, operating margin 4.6% vs 4.4%; worst: Optum Health swung to -0.3% operating margin from +7.4%, losing $278M vs earning $7.8B
• • Operating cash flow $19.7B vs $24.2B; capex $3.6B; dividends $7.9B; buybacks $5.5B vs $9.0B prior year
• • Management expects Medicare Advantage and Medicaid membership contraction in 2026; 2027 Medicare Advantage rate notice "far below" medical cost trend; $2.5B restructuring charge signals significant ongoing cost pressure

Risk Factors

• • Change Healthcare cyberattack (2024) exposed protected health information/PII; recently acquired non-integrated systems flagged as heightened ongoing vulnerability
• • Goodwill and intangible assets $131B = 42% of total consolidated assets; impairment risk if acquired businesses underperform assumptions
• • Medicare Advantage benchmark cuts by CMS ongoing; star ratings below 4 stars disqualify plans from quality bonus payments affecting benefits competitiveness
• • FTC/DOJ antitrust enforcement actions previously brought against UHG; explicitly cited as barrier to completing future strategic acquisitions
• • Premium revenues from risk-based products ~80% of total consolidated revenues; small utilization rate variances cause material financial swings

What are the latest UNH SEC filings in 2026?

UnitedHealth Group (UNH) has filed a 10-K annual report on March 2, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on July 16, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did UNH file its most recent 10-K annual report?

UnitedHealth Group (UNH) filed its most recent 10-K annual report on March 2, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view UNH 10-Q quarterly reports?

UnitedHealth Group (UNH)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every UNH 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has UNH filed recently?

UnitedHealth Group (UNH)'s most recent 8-K was filed on July 16, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find UNH insider trading activity (Form 4)?

SignalX aggregates every UNH Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does UNH file with the SEC?

UnitedHealth Group (UNH) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new UNH filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for UnitedHealth Group (UNH).

What is UNH's SEC CIK number?

UnitedHealth Group (UNH)'s SEC CIK (Central Index Key) number is 731766. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 731766 to look up all UNH filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find UNH return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from UnitedHealth Group (UNH) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.