{"schema_version":"secwatch.filing_event.v1","accession":"0000731766-26-000191","form_type":"8-K","ticker":"UNH","cik":"0000731766","company_name":"UNITEDHEALTH GROUP INC","filed_at":"2026-07-16T10:00:59+00:00","discovered_at":"2026-07-16T10:10:00.309921+00:00","generated_at":"2026-07-16T10:10:11.785525+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"UnitedHealth Q2 2026 EPS $6.04 GAAP, $6.38 adjusted; raises full-year guidance","bullets":["Q2 revenues $112.0B (flat YoY); earnings from operations $8.0B vs $5.2B in Q2 2025.","GAAP EPS $6.04, adjusted EPS $6.38; medical cost ratio improved to 86.7% from 89.4%.","UnitedHealthcare operating margin 4.6% (vs 2.4% YoY); Optum margin 6.2% (vs 4.6%).","Full-year adjusted EPS guidance raised to $19.50-$20.00 from prior >$17.75; cash flow ops guidance ~$24B.","Share repurchase target increased to at least $5B for 2026; debt-to-capital ratio 41.2%."],"urls":{"canonical":"https://secwatch.observer/filing/0000731766-26-000191","json":"https://secwatch.observer/filing/0000731766-26-000191.json","markdown":"https://secwatch.observer/filing/0000731766-26-000191.md","text":"https://secwatch.observer/filing/0000731766-26-000191.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731766/000073176626000191/0000731766-26-000191-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731766/000073176626000191/unh-20260716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-16T10:10:11.785525+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"}