---
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"
generated_at: "2026-10-13T10:20:22.798334+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# UnitedHealth Q3 2026 EPS $4.56, adjusted $4.69; raises FY adjusted EPS outlook to at least $20.50

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000731766-26-000255
- JSON: https://secwatch.observer/filing/0000731766-26-000255.json
- Plain text: https://secwatch.observer/filing/0000731766-26-000255.txt

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