---
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"
generated_at: "2026-05-17T02:04:31.503689+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# UnitedHealth Q3 EPS $2.59 ($2.92 adj); rev $113.2B +12%; raises FY25 outlook to ≥$16.25 adj

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000731766-25-000301
- JSON: https://secwatch.observer/filing/0000731766-25-000301.json
- Plain text: https://secwatch.observer/filing/0000731766-25-000301.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.