{"schema_version":"secwatch.filing_event.v1","accession":"0000731766-26-000255","form_type":"8-K","ticker":"UNH","cik":"0000731766","company_name":"UNITEDHEALTH GROUP INC","filed_at":"2026-10-13T10:14:45+00:00","discovered_at":"2026-10-13T10:20:00.254777+00:00","generated_at":"2026-10-13T10:20:22.798334+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"UnitedHealth Q3 2026 EPS $4.56, adjusted $4.69; raises FY adjusted EPS outlook to at least $20.50","bullets":["Q3 2026 revenues were $112.7B vs $113.2B a year ago; earnings from operations were $6.6B vs $4.3B; net margin was 3.6%.","Q3 adjusted EPS was $4.69 and GAAP EPS was $4.56; medical care ratio was 88.4% vs 89.9% in Q3 2025, aided by $610M favorable prior-period reserve development.","UnitedHealthcare Q3 revenues were $86.3B, earnings $2.8B, margin 3.3%; served 48.3M people; Employer & Individual membership fell 165,000 on attrition.","Optum Q3 revenues were $66.9B and earnings $3.7B; Optum Health revenue fell 10% YoY to $22.9B, and Optum Rx scripts were 393M vs 414M.","Raised FY 2026 outlook to at least $19.50 GAAP EPS and at least $20.50 adjusted EPS; YTD repurchased $5.0B stock and paid $6.2B dividends."],"urls":{"canonical":"https://secwatch.observer/filing/0000731766-26-000255","json":"https://secwatch.observer/filing/0000731766-26-000255.json","markdown":"https://secwatch.observer/filing/0000731766-26-000255.md","text":"https://secwatch.observer/filing/0000731766-26-000255.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731766/000073176626000255/0000731766-26-000255-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731766/000073176626000255/unh-20261013.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-13T10:20:22.798334+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"}