secwatch.observer — SEC 8-K summary
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Issuer:     UNITEDHEALTH GROUP INC (UNH)
CIK:        0000731766
Form:       8-K
Filed at:   2026-10-13T10:14:45+00:00
Accession:  0000731766-26-000255
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/731766/000073176626000255/0000731766-26-000255-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/731766/000073176626000255/unh-20261013.htm
  HTML page:      https://secwatch.observer/filing/0000731766-26-000255

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