{"schema_version":"secwatch.filing_event.v1","accession":"0000731766-25-000228","form_type":"8-K","ticker":"UNH","cik":"0000731766","company_name":"UNITEDHEALTH GROUP INC","filed_at":"2025-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.256205+00:00","generated_at":"2026-05-17T23:52:57.361047+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"UnitedHealth Q2 EPS $3.74, cuts FY outlook; cites $1.2B unfavorable items, high medical trend","bullets":["Q2 revenue $111.6B (+13% YoY); diluted EPS $3.74; adjusted EPS $4.08.","Medical care ratio 89.4% (+430 bps YoY); operating cost ratio 12.3% (-100 bps).","UnitedHealthcare operating margin fell to 2.4% from 5.4% YoY; Optum margin 4.6% vs 6.2%.","FY2025 outlook re-established: revenue $445.5B-$448.0B, EPS at least $14.65, adjusted at least $16.00.","Quarterly dividend raised 5% to $2.21; expects return to earnings growth in 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000731766-25-000228","json":"https://secwatch.observer/filing/0000731766-25-000228.json","markdown":"https://secwatch.observer/filing/0000731766-25-000228.md","text":"https://secwatch.observer/filing/0000731766-25-000228.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731766/000073176625000228/0000731766-25-000228-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731766/000073176625000228/unh-20250729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:52:57.361047+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}