UnitedHealth Group (UNH) FY2024 10-K Annual Report
UnitedHealth Group (UNH) 10-K annual report for fiscal year 2024, filed with SEC EDGAR on Feb 27, 2025. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
UnitedHealth Group FY2024 10-K Analysis
Business Overview
- • Core business model: Diversified healthcare services including insurance and health benefits administration
- • No new products, services, or segments introduced or emphasized in this filing
Management Discussion & Analysis
- • Change Healthcare cyberattack: $2.2B direct response costs, $867M Optum Insight revenue disruption in 2024, $9B interest-free loans provided through 2024
- • Medical costs impact: $640M related to care management suspension in 2024 affecting UnitedHealthcare and Optum Health
Risk Factors
- • Legal risk from ongoing False Claims Act investigations and potential substantial penalties due to healthcare benefits coverage and claims payment disputes
- • Macroeconomic exposure to medical cost inflation, pandemic effects, drug price increases threatening profitability of risk-based products constituting ~80% of revenues
UnitedHealth Group FY2024 Key Financial MetricsXBRL
Revenue
$400.3B
▲ +7.7% YoY
Net Income
$14.4B
▼ -35.6% YoY
Operating Margin
8.1%
▼ -64bp YoY
Net Margin
3.6%
▼ -242bp YoY
ROE
14.7%
▼ -904bp YoY
Total Assets
$298.3B
▲ +9.0% YoY
EPS (Diluted)
$15.51
▼ -35.0% YoY
Operating Cash Flow
$24.2B
▼ -16.7% YoY
Source: XBRL data from UnitedHealth Group FY2024 10-K filing on SEC EDGAR. All figures in USD.
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