What is the current annual debt to equity of UNH?

As of today, UNH annual debt to equity is 0.88

What is 1-year change in UNH annual debt to equity?

UNH annual debt to equity has remained unchanged year-over-year

What is 3-year change in UNH annual debt to equity?

UNH annual debt to equity is up +10.00% over the past 3 years

How far is UNH annual debt to equity from its all-time high?

UNH annual debt to equity is currently -77.32% below its historical high of 3.88 set on December 31, 1988

How does UNH annual debt to equity rank versus sector peers?

UNH annual debt to equity is higher than 84.37% of companies in Healthcare sector

When is UNH next annual earnings release?

The next annual earnings release for UNH is on January 12, 2027

When is UNH next earnings release?

The next earnings release for UNH is on January 12, 2027

UNH Debt To Equity Ratio History & Chart Since 1984

Annual Debt To Equity

0.880.000.00%

December 31, 2025

Summary

Current Value: As of today, UNH annual debt to equity is 0.88, unchanged on December 31, 2025
Historical Performance: UNH annual debt to equity is up +10.00% over the past 3 years, up +18.92% over the past 5 years
All-Time High Comparison: UNH annual debt to equity is currently -77.32% below its historical high of 3.88 set on December 31, 1988
3-Year Low Comparison: UNH annual debt to equity is +15.79% above its 3-year low of 0.76 reached on December 31, 2023
Sector Comparison: UNH annual debt to equity is higher than 84.37% of companies in Healthcare sector

Debt To Equity Chart

Performance

UNH Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Debt To Equity	Dec 31, 25	0.88	0.0%	+10.0%	+18.9%	+104.7%
Quarterly Debt To Equity	Sep 30, 26	-	–	–	–	–
Price	Oct 22, 26	$424.98	+17.6%	-19.4%	-5.4%	+786.9%
Annual Total Debt	Dec 31, 25	$83.00B	+1.5%	+32.9%	+70.2%	+645.0%
Annual Shareholders Equity	Dec 31, 25	$94.11B	+1.6%	+21.0%	+43.7%	+264.4%
Annual Current Ratio	Dec 31, 25	0.79	-4.8%	+2.6%	+6.8%	+2.6%
Annual Quick Ratio	Dec 31, 25	-	–	–	–	–
Annual Short Term Debt	Dec 31, 25	$7.12B	+28.1%	+73.4%	+25.3%	+187.1%
Annual Long Term Debt	Dec 31, 25	$75.88B	-0.5%	+30.1%	+76.1%	+776.0%
Piotroski F-Score	Sep 30, 26	7	0.0%	+40.0%	+40.0%	+16.7%
Altman Z-Score	Oct 22, 26	2.99	+3.1%	-21.5%	-24.1%	-8.8%

Debt To Equity Highs

UNH Annual Debt To Equity Highs Comparison
Period	High	Date	Current
3Y	0.88	Dec 31, 24	at high
5Y	0.88	Dec 31, 24	at high
All	3.88	Dec 31, 88	-77.3%

Debt To Equity Lows

UNH Annual Debt To Equity Lows Comparison
Period	Low	Date	Current
3Y	0.76	Dec 31, 23	+15.8%
5Y	0.70	Dec 31, 21	+25.7%
All	0.00	Dec 1, 84	N/A

Debt To Equity History

Year	Value	Change
2025	0.88	0.0%
2024	0.88	+15.8%
2023	0.76	-5.0%
2022	0.80	+14.3%
2021	0.70	-5.4%
2020	0.74	-3.9%
2019	0.77	-3.8%
2018	0.80	+8.1%
2017	0.74	-20.4%
2016	0.93	-1.1%
2015	0.94	+74.1%
2014	0.54	+3.8%
2013	0.52	-3.7%
2012	0.54	+31.7%
2011	0.41	-4.7%
2010	0.43	-8.5%
2009	0.47	-24.2%
2008	0.62	+12.7%
2007	0.55	+52.8%
2006	0.36	-10.0%
2005	0.40	+5.3%

Year	Value	Change
2004	0.38	-2.6%
2003	0.39	-2.5%
2002	0.40	-2.4%
2001	0.41	+24.2%
2000	0.33	+26.9%
1999	0.26	+44.4%
1998	0.18	+63.6%
1997	0.11	-21.4%
1996	0.14	-17.6%
1995	0.17	+1,600.0%
1994	0.01	-75.0%
1993	0.04	>+9,900.0%
1992	0.00	-100.0%
1991	0.01	-83.3%
1990	0.06	-93.8%
1989	0.97	-75.0%
1988	3.88	+157.0%
1987	1.51	+57.3%
1986	0.96	>+9,900.0%
1985	0.00	0.0%
1984	0.00	-

FAQ

What is the current annual debt to equity of UNH?: As of today, UNH annual debt to equity is 0.88
What is 1-year change in UNH annual debt to equity?: UNH annual debt to equity has remained unchanged year-over-year
What is 3-year change in UNH annual debt to equity?: UNH annual debt to equity is up +10.00% over the past 3 years
How far is UNH annual debt to equity from its all-time high?: UNH annual debt to equity is currently -77.32% below its historical high of 3.88 set on December 31, 1988
How does UNH annual debt to equity rank versus sector peers?: UNH annual debt to equity is higher than 84.37% of companies in Healthcare sector
When is UNH next annual earnings release?: The next annual earnings release for UNH is on January 12, 2027

Debt To Equity Formula

Debt To Equity =

Total Debt

Shareholders Equity

Quarterly Debt To Equity

N/A

September 30, 2026

Performance

UNH Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Debt To Equity	Sep 30, 26	-	–	–	–	–
Annual Debt To Equity	Dec 31, 25	0.88	–	0.0%	+10.0%	+18.9%
Price	Oct 22, 26	$424.98	-1.5%	+17.6%	-19.4%	-5.4%
Quarterly Total Debt	Sep 30, 26	$74.33B	+1.4%	-7.2%	+17.3%	+58.3%
Quarterly Shareholders Equity	Sep 30, 26	$105.55B	+7.2%	+10.2%	+24.9%	+50.2%
Quarterly Current Ratio	Sep 30, 26	0.74	-5.1%	-9.8%	-7.5%	-3.9%
Quarterly Quick Ratio	Sep 30, 26	-	–	–	–	–
Quarterly Short Term Debt	Sep 30, 26	$5.62B	+46.8%	-27.4%	+6.2%	+55.2%
Quarterly Long Term Debt	Sep 30, 26	$68.71B	-1.1%	-5.1%	+18.3%	+58.5%
Piotroski F-Score	Sep 30, 26	7	+16.7%	0.0%	+40.0%	+40.0%
Altman Z-Score	Oct 22, 26	2.99	-1.0%	+3.1%	-21.5%	-24.1%

Quarterly Debt To Equity Highs

UNH Quarterly Debt To Equity Highs Comparison
Period	High	Date	Current
1Y	0.88	Dec 31, 25	N/A
3Y	0.88	Dec 31, 24	N/A
5Y	0.88	Dec 31, 24	N/A
All	3.87	Dec 31, 88	N/A

Quarterly Debt To Equity Lows

UNH Quarterly Debt To Equity Lows Comparison
Period	Low	Date	Current
1Y	0.74	Jun 30, 26	N/A
3Y	0.74	Jun 30, 26	N/A
5Y	0.65	Mar 31, 22	N/A
All	0.00	Dec 31, 85	N/A

Quarterly Debt To Equity History

Month	Value	Change
Jun 2026	0.74	-7.5%
Mar 2026	0.80	-9.1%
Dec 2025	0.88	+4.8%
Sep 2025	0.84	0.0%
Jun 2025	0.84	-2.3%
Mar 2025	0.86	-2.3%
Dec 2024	0.88	+6.0%
Sep 2024	0.83	-1.2%
Jun 2024	0.84	-1.2%
Mar 2024	0.85	+11.8%
Dec 2023	0.76	+1.3%
Sep 2023	0.75	-6.3%
Jun 2023	0.80	-8.0%
Mar 2023	0.87	+8.8%
Dec 2022	0.80	+23.1%
Sep 2022	0.65	-8.5%
Jun 2022	0.71	+9.2%
Mar 2022	0.65	-7.1%
Dec 2021	0.70	+4.5%
Sep 2021	0.67	-4.3%
Jun 2021	0.70	0.0%
Mar 2021	0.70	-5.4%
Dec 2020	0.74	+10.4%
Sep 2020	0.67	-6.9%
Jun 2020	0.72	-20.9%
Mar 2020	0.91	+18.2%
Dec 2019	0.77	-13.5%
Sep 2019	0.89	+2.3%
Jun 2019	0.87	+7.4%
Mar 2019	0.81	+1.3%
Dec 2018	0.80	+19.4%
Sep 2018	0.67	-8.2%
Jun 2018	0.73	-2.7%
Mar 2018	0.75	+1.4%
Dec 2017	0.74	+13.8%
Sep 2017	0.65	-12.2%
Jun 2017	0.74	-8.6%
Mar 2017	0.81	-12.9%
Dec 2016	0.93	+5.7%
Sep 2016	0.88	-3.3%
Jun 2016	0.91	-5.2%
Mar 2016	0.96	+1.1%
Dec 2015	0.95	-1.0%
Sep 2015	0.96	+74.5%
Jun 2015	0.55	-5.2%
Mar 2015	0.58	+7.4%
Dec 2014	0.54	0.0%
Sep 2014	0.54	+5.9%
Jun 2014	0.51	-1.9%
Mar 2014	0.52	0.0%
Dec 2013	0.52	0.0%
Sep 2013	0.52	-1.9%
Jun 2013	0.53	-7.0%
Mar 2013	0.57	+5.6%
Dec 2012	0.54	+25.6%
Sep 2012	0.43	0.0%
Jun 2012	0.43	-4.4%
Mar 2012	0.45	+9.8%
Dec 2011	0.41	-4.7%
Sep 2011	0.43	+4.9%
Jun 2011	0.41	-6.8%
Mar 2011	0.44	+2.3%
Dec 2010	0.43	0.0%
Sep 2010	0.43	0.0%
Jun 2010	0.43	0.0%
Mar 2010	0.43	-8.5%
Dec 2009	0.47	-4.1%
Sep 2009	0.49	-9.3%
Jun 2009	0.54	-1.8%
Mar 2009	0.55	-11.3%
Dec 2008	0.62	-3.1%
Sep 2008	0.64	-5.9%
Jun 2008	0.68	+1.5%
Mar 2008	0.67	+21.8%
Dec 2007	0.55	+41.0%
Sep 2007	0.39	-2.5%
Jun 2007	0.40	+21.2%

Month	Value	Change
Mar 2007	0.33	-8.3%
Dec 2006	0.36	-5.3%
Sep 2006	0.38	-7.3%
Jun 2006	0.41	-4.7%
Mar 2006	0.43	+7.5%
Dec 2005	0.40	0.0%
Sep 2005	0.40	0.0%
Jun 2005	0.40	0.0%
Mar 2005	0.40	+5.3%
Dec 2004	0.38	+8.6%
Sep 2004	0.35	+2.9%
Jun 2004	0.34	+3.0%
Mar 2004	0.33	-15.4%
Dec 2003	0.39	+5.4%
Sep 2003	0.37	0.0%
Jun 2003	0.37	-9.8%
Mar 2003	0.41	+2.5%
Dec 2002	0.40	+5.3%
Sep 2002	0.38	0.0%
Jun 2002	0.38	-2.6%
Mar 2002	0.39	-4.9%
Dec 2001	0.41	+5.1%
Sep 2001	0.39	+2.6%
Jun 2001	0.38	+31.0%
Mar 2001	0.29	-12.1%
Dec 2000	0.33	+13.8%
Sep 2000	0.29	+20.8%
Jun 2000	0.24	-4.0%
Mar 2000	0.25	-3.8%
Dec 1999	0.26	+62.5%
Sep 1999	0.16	0.0%
Jun 1999	0.16	0.0%
Mar 1999	0.16	-11.1%
Dec 1998	0.18	+38.5%
Sep 1998	0.13	0.0%
Jun 1998	0.13	+18.2%
Mar 1998	0.11	0.0%
Dec 1997	0.11	-8.3%
Sep 1997	0.12	-7.7%
Jun 1997	0.13	0.0%
Mar 1997	0.13	-7.1%
Dec 1996	0.14	0.0%
Sep 1996	0.14	-6.7%
Jun 1996	0.15	-6.3%
Mar 1996	0.16	-5.9%
Dec 1995	0.17	+1,600.0%
Sep 1995	0.01	0.0%
Jun 1995	0.01	0.0%
Mar 1995	0.01	0.0%
Dec 1994	0.01	>+9,900.0%
Sep 1994	0.00	0.0%
Jun 1994	0.00	0.0%
Mar 1994	0.00	0.0%
Dec 1993	0.00	0.0%
Sep 1993	0.00	0.0%
Jun 1993	0.00	0.0%
Mar 1993	0.00	0.0%
Dec 1992	0.00	0.0%
Sep 1992	0.00	0.0%
Jun 1992	0.00	0.0%
Mar 1992	0.00	-100.0%
Dec 1991	0.01	-50.0%
Sep 1991	0.02	0.0%
Jun 1991	0.02	-33.3%
Mar 1991	0.03	-50.0%
Dec 1990	0.06	+50.0%
Sep 1990	0.04	-92.2%
Jun 1990	0.51	-35.4%
Mar 1990	0.79	-18.6%
Dec 1989	0.97	-8.5%
Sep 1989	1.06	-61.5%
Jun 1989	2.75	-28.9%
Dec 1988	3.87	+156.3%
Dec 1987	1.51	+57.3%
Dec 1986	0.96	>+9,900.0%
Dec 1985	0.00	-

FAQ

When is UNH next earnings release?: The next earnings release for UNH is on January 12, 2027

Debt To Equity Formula

Debt To Equity =

Total Debt

Shareholders Equity

Data Sources & References

UNH Official Website www.unitedhealthgroup.com
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/731766/000073176626000025/0000731766-26-000025-index.htm
UNH Profile on Yahoo Finance finance.yahoo.com/quote/UNH
UNH Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/unh