UnitedHealth Group Incorporated (UNH) — Cash Flow-to-Debt Ratio
UnitedHealth Group Incorporated (UNH) has a Cash Flow-to-Debt Ratio of 0.05x as of June 2026, meaning its operating cash flow of $11.05 Billion could theoretically repay 0% of its total liabilities ($203.78 Billion) in one year. See UNH financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
UnitedHealth Group Incorporated Cash Flow-to-Debt Ratio (1989–2025)
Historical debt coverage capacity for UnitedHealth Group Incorporated across 37 annual periods. For the full cash flow conversion analysis, see UnitedHealth Group Incorporated (UNH) cash conversion ratio.
Annual Cash Flow-to-Debt Ratio for UnitedHealth Group Incorporated (1989–2025)
Year-by-year debt coverage analysis for UnitedHealth Group Incorporated. Check UnitedHealth Group Incorporated cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.09x | $19.70 Billion | $207.88 Billion | ▼ -23.4% |
| 2024 | 0.12x | $24.20 Billion | $195.69 Billion | ▼ -25.6% |
| 2023 | 0.17x | $29.07 Billion | $174.80 Billion | ▲ +1.1% |
| 2022 | 0.16x | $26.21 Billion | $159.36 Billion | ▼ -0.1% |
| 2021 | 0.16x | $22.34 Billion | $135.73 Billion | ▼ -5.9% |
| 2020 | 0.17x | $22.17 Billion | $126.75 Billion | ▲ +5.9% |
| 2019 | 0.17x | $18.46 Billion | $111.73 Billion | ▲ +1.0% |
| 2018 | 0.16x | $15.71 Billion | $95.99 Billion | ▲ +4.8% |
| 2017 | 0.16x | $13.60 Billion | $87.03 Billion | ▲ +31.2% |
| 2016 | 0.12x | $9.79 Billion | $82.27 Billion | ▼ -7.2% |
| 2015 | 0.13x | $9.74 Billion | $75.92 Billion | ▼ -16.3% |
| 2014 | 0.15x | $8.05 Billion | $52.54 Billion | ▲ +6.4% |
| 2013 | 0.14x | $6.99 Billion | $48.56 Billion | ▼ -4.2% |
| 2012 | 0.15x | $7.16 Billion | $47.59 Billion | ▼ -14.6% |
| 2011 | 0.18x | $6.97 Billion | $39.60 Billion | ▲ +4.5% |
| 2010 | 0.17x | $6.27 Billion | $37.24 Billion | ▲ +6.1% |
| 2009 | 0.16x | $5.62 Billion | $35.44 Billion | ▲ +31.2% |
| 2008 | 0.12x | $4.24 Billion | $35.03 Billion | ▼ -36.5% |
| 2007 | 0.19x | $5.88 Billion | $30.84 Billion | ▼ -19.7% |
| 2006 | 0.24x | $6.53 Billion | $27.51 Billion | ▲ +29.6% |
| 2005 | 0.18x | $4.33 Billion | $23.64 Billion | ▼ -24.1% |
| 2004 | 0.24x | $4.13 Billion | $17.16 Billion | ▲ +0.3% |
| 2003 | 0.24x | $3.00 Billion | $12.51 Billion | ▼ -3.5% |
| 2002 | 0.25x | $2.42 Billion | $9.74 Billion | ▲ +16.0% |
| 2001 | 0.21x | $1.84 Billion | $8.60 Billion | ▲ +3.9% |
| 2000 | 0.21x | $1.52 Billion | $7.37 Billion | ▲ +11.3% |
| 1999 | 0.19x | $1.19 Billion | $6.41 Billion | ▼ -1.9% |
| 1998 | 0.19x | $1.07 Billion | $5.66 Billion | ▼ -14.5% |
| 1997 | 0.22x | $683.00 Million | $3.09 Billion | ▲ +24.8% |
| 1996 | 0.18x | $562.26 Million | $3.17 Billion | ▲ +21.3% |
| 1995 | 0.15x | $434.27 Million | $2.97 Billion | ▼ -69.2% |
| 1994 | 0.47x | $326.26 Million | $688.58 Million | ▼ -9.4% |
| 1993 | 0.52x | $278.80 Million | $533.10 Million | ▼ -6.9% |
| 1992 | 0.56x | $189.00 Million | $336.60 Million | ▲ +12.6% |
| 1991 | 0.50x | $126.90 Million | $254.40 Million | ▲ +44.5% |
| 1990 | 0.35x | $57.50 Million | $166.60 Million | ▲ +47.8% |
| 1989 | 0.23x | $41.10 Million | $176.00 Million | — |