UnitedHealth Group Incorporated (UNH) — Cash Flow-to-Debt Ratio
UnitedHealth Group Incorporated (UNH) has a Cash Flow-to-Debt Ratio of 0.01x as of December 2025, meaning its operating cash flow of $1.11 Billion could theoretically repay 0% of its total liabilities ($207.88 Billion) in one year. See how much free cash does UnitedHealth Group Incorporated generate to measure how efficiently the company converts operating cash flow to free cash.
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. Also explore UNH net assets growth trend to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for UnitedHealth Group Incorporated (1989–2025)
Year-by-year debt coverage analysis for UnitedHealth Group Incorporated. For market capitalisation and broader financial context, see UnitedHealth Group Incorporated stock valuation.
| 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 | — |