UN
UNH
Mar 31, 2025
Quarter ended Mar 31, 2025 · FY2025 Q1

UnitedHealth Group Incorporated stock research

UnitedHealth Group (UNH) Free Cash Flow — Quarter Ended Mar 31, 2025

Free cash flow and its margin improved compared to both the prior quarter and the same quarter last year. Revenue and operating cash flow were higher, while capital expenditure was lower than the prior quarter but higher than a year ago.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Free cash flow and its margin improved compared to both the prior quarter and the same quarter last year. Revenue and operating cash flow were higher, while capital expenditure was lower than the prior quarter but higher than a year ago.

  • Operating cash flow increased relative to revenue, leading to a higher free cash flow margin. Capital expenditure was slightly lower than the prior quarter, further supporting free cash flow growth.
  • Compared to the prior quarter, free cash flow was higher, driven by a larger increase in operating cash flow and a minor decrease in capital expenditure. Versus the year-ago quarter, all metrics were higher except capital expenditure, which was higher as well.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$24.9B

Trailing twelve-month free cash flow.

Quarter free cash flow

$4.6B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$5.5B

Cash generated by operations before capital spending.

CapEx

$898.0M

Capital spending and related asset purchases.

FCF margin

4.2%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2024-06-30$98.9B$6.7B$853.0M$5.9B6.0%
2024-09-30$100.8B$13.9B$991.0M$13.0B12.8%
2024-12-31$100.8B$2.4B$912.0M$1.5B1.4%
2025-03-31$109.6B$5.5B$898.0M$4.6B4.2%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income72.4%Shows whether accounting earnings convert into cash.
CapEx / revenue0.8%Lower capital intensity usually supports FCF margin.
Net cash-$50.6BCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Free Cash Flow Margin Expansion

The free cash flow margin rose compared to both the prior quarter and the year-ago period, reflecting higher operating cash flow relative to revenue.

This improvement indicates stronger cash generation efficiency from operations.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Operating cash flow increased relative to revenue, leading to a higher free cash flow margin. Capital expenditure was slightly lower than the prior quarter, further supporting free cash flow growth.

Compared to the prior quarter, free cash flow was higher, driven by a larger increase in operating cash flow and a minor decrease in capital expenditure. Versus the year-ago quarter, all metrics were higher except capital expenditure, which was higher as well.

Monitor the change in accounts receivable, which increased from the prior quarter, as it may affect future cash conversion.

UNH Free Cash Flow — Quarter Ended Mar 31, 2025