{"schema_version":"secwatch.filing_event.v1","accession":"0000731766-25-000301","form_type":"8-K","ticker":"UNH","cik":"0000731766","company_name":"UNITEDHEALTH GROUP INC","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.044207+00:00","generated_at":"2026-05-17T02:04:31.503689+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"UnitedHealth Q3 EPS $2.59 ($2.92 adj); rev $113.2B +12%; raises FY25 outlook to ≥$16.25 adj","bullets":["GAAP EPS $2.59, adjusted EPS $2.92; net margin 2.1% vs 6.0% a year ago.","Revenue $113.2B (+12% YoY); medical care ratio 89.9%, in line with prior quarter guidance.","Raised FY2025 outlook: GAAP EPS ≥$14.90, adjusted EPS ≥$16.25.","UnitedHealthcare revenue $87.1B (+16% YoY); Optum revenue $69.2B (+8% YoY).","Cash from operations $5.9B (2.3x net income); debt-to-capital 44.1%."],"urls":{"canonical":"https://secwatch.observer/filing/0000731766-25-000301","json":"https://secwatch.observer/filing/0000731766-25-000301.json","markdown":"https://secwatch.observer/filing/0000731766-25-000301.md","text":"https://secwatch.observer/filing/0000731766-25-000301.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731766/000073176625000301/0000731766-25-000301-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731766/000073176625000301/unh-20251028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:04:31.503689+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"}