UnitedHealth Group Incorporated (UNH) — Financial Flexibility Index
UnitedHealth Group Incorporated (UNH) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of $2.06 Billion (operating CF $1.11 Billion minus capex $948.00 Million) represents 0% of total liabilities ($207.88 Billion). Check UnitedHealth Group Incorporated strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
UnitedHealth Group Incorporated Financial Flexibility Index (1989–2025)
Historical Financial Flexibility Index trend for UnitedHealth Group Incorporated across 37 annual periods. See how liquid is UnitedHealth Group Incorporated's working capital to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for UnitedHealth Group Incorporated (1989–2025)
Year-by-year free cash flow to debt coverage for UnitedHealth Group Incorporated. For the full company profile including market capitalisation, see UnitedHealth Group Incorporated market cap and net worth.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.11x | $23.32 Billion | $19.70 Billion | $207.88 Billion | ▼ -20.8% |
| 2024 | 0.14x | $27.70 Billion | $24.20 Billion | $195.69 Billion | ▼ -23.7% |
| 2023 | 0.19x | $32.45 Billion | $29.07 Billion | $174.80 Billion | ▲ +2.0% |
| 2022 | 0.18x | $29.01 Billion | $26.21 Billion | $159.36 Billion | ▼ -0.4% |
| 2021 | 0.18x | $24.80 Billion | $22.34 Billion | $135.73 Billion | ▼ -4.4% |
| 2020 | 0.19x | $24.23 Billion | $22.17 Billion | $126.75 Billion | ▲ +4.0% |
| 2019 | 0.18x | $20.53 Billion | $18.46 Billion | $111.73 Billion | ▼ -0.8% |
| 2018 | 0.19x | $17.78 Billion | $15.71 Billion | $95.99 Billion | ▲ +3.2% |
| 2017 | 0.18x | $15.62 Billion | $13.60 Billion | $87.03 Billion | ▲ +28.4% |
| 2016 | 0.14x | $11.50 Billion | $9.79 Billion | $82.27 Billion | ▼ -6.0% |
| 2015 | 0.15x | $11.30 Billion | $9.74 Billion | $75.92 Billion | ▼ -17.7% |
| 2014 | 0.18x | $9.50 Billion | $8.05 Billion | $52.54 Billion | ▲ +7.7% |
| 2013 | 0.17x | $8.15 Billion | $6.99 Billion | $48.56 Billion | ▼ -2.9% |
| 2012 | 0.17x | $8.22 Billion | $7.16 Billion | $47.59 Billion | ▼ -14.3% |
| 2011 | 0.20x | $7.99 Billion | $6.97 Billion | $39.60 Billion | ▲ +5.0% |
| 2010 | 0.19x | $7.15 Billion | $6.27 Billion | $37.24 Billion | ▲ +6.9% |
| 2009 | 0.18x | $6.36 Billion | $5.62 Billion | $35.44 Billion | ▲ +25.1% |
| 2008 | 0.14x | $5.03 Billion | $4.24 Billion | $35.03 Billion | ▼ -34.4% |
| 2007 | 0.22x | $6.75 Billion | $5.88 Billion | $30.84 Billion | ▼ -17.0% |
| 2006 | 0.26x | $7.25 Billion | $6.53 Billion | $27.51 Billion | ▲ +28.9% |
| 2005 | 0.20x | $4.83 Billion | $4.33 Billion | $23.64 Billion | ▼ -21.7% |
| 2004 | 0.26x | $4.49 Billion | $4.13 Billion | $17.16 Billion | ▼ -2.6% |
| 2003 | 0.27x | $3.35 Billion | $3.00 Billion | $12.51 Billion | ▼ -8.1% |
| 2002 | 0.29x | $2.84 Billion | $2.42 Billion | $9.74 Billion | ▲ +10.6% |
| 2001 | 0.26x | $2.27 Billion | $1.84 Billion | $8.60 Billion | ▲ +10.1% |
| 2000 | 0.24x | $1.77 Billion | $1.52 Billion | $7.37 Billion | ▲ +11.0% |
| 1999 | 0.22x | $1.39 Billion | $1.19 Billion | $6.41 Billion | ▼ -4.5% |
| 1998 | 0.23x | $1.28 Billion | $1.07 Billion | $5.66 Billion | ▼ -19.7% |
| 1997 | 0.28x | $870.00 Million | $683.00 Million | $3.09 Billion | ▲ +22.9% |
| 1996 | 0.23x | $727.48 Million | $562.26 Million | $3.17 Billion | ▲ +25.4% |
| 1995 | 0.18x | $543.50 Million | $434.27 Million | $2.97 Billion | ▼ -69.0% |
| 1994 | 0.59x | $405.87 Million | $326.26 Million | $688.58 Million | ▼ -5.9% |
| 1993 | 0.63x | $334.10 Million | $278.80 Million | $533.10 Million | ▼ -0.2% |
| 1992 | 0.63x | $211.40 Million | $189.00 Million | $336.60 Million | ▲ +12.5% |
| 1991 | 0.56x | $142.00 Million | $126.90 Million | $254.40 Million | ▲ +54.5% |
| 1990 | 0.36x | $60.20 Million | $57.50 Million | $166.60 Million | ▲ +42.0% |
| 1989 | 0.25x | $44.80 Million | $41.10 Million | $176.00 Million | — |