{"schema_version":"secwatch.filing_event.v1","accession":"0000731766-26-000025","form_type":"8-K","ticker":"UNH","cik":"0000731766","company_name":"UNITEDHEALTH GROUP INC","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.609584+00:00","generated_at":"2026-05-16T07:42:47.101046+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":"UNH 2025 rev $447.6B (+12%), adj EPS $16.35; 2026 outlook adj EPS >$17.75","bullets":["Full year 2025 GAAP EPS $13.23, adjusted EPS $16.35 (down from 2024); Q4 adjusted EPS $2.11 vs $0.01 GAAP.","Revenue grew 12% YoY to $447.6B; operating earnings $19.0B included $2.8B pre-tax charge for cyber, divestitures, restructuring.","Medical care ratio 89.1% (adj 88.9%), up 340 bps YoY due to Medicare funding cuts, IRA impact, and medical cost trends.","2026 outlook: Revenue >$439B, GAAP EPS >$17.10, adj EPS >$17.75, cash flows >$18B reflecting margin improvement.","UnitedHealthcare rev $344.9B (+16%); Optum rev $270.6B (+7%); cash flows from operations $19.7B (1.5x net income)."],"urls":{"canonical":"https://secwatch.observer/filing/0000731766-26-000025","json":"https://secwatch.observer/filing/0000731766-26-000025.json","markdown":"https://secwatch.observer/filing/0000731766-26-000025.md","text":"https://secwatch.observer/filing/0000731766-26-000025.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731766/000073176626000025/0000731766-26-000025-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731766/000073176626000025/unh-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:42:47.101046+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"}