UN
UNH
Jun 30, 2025
Quarter ended Jun 30, 2025 · FY2025 Q2

UnitedHealth Group Incorporated stock research

UnitedHealth Group (UNH) Free Cash Flow — Quarter Ended Jun 30, 2025

Revenue and operating cash flow increased sequentially, supporting higher free cash flow. However, compared to the same quarter last year, free cash flow and margin were lower despite revenue growth.

Free cash flow takeaway

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

Revenue and operating cash flow increased sequentially, supporting higher free cash flow. However, compared to the same quarter last year, free cash flow and margin were lower despite revenue growth.

  • Revenue grew, and operating cash flow rose at a faster pace than capital expenditure, resulting in improved free cash flow. The free cash flow margin strengthened from the prior quarter but was weaker than the prior year.
  • Compared to the immediately preceding quarter, all key metrics improved. Relative to the same quarter one year earlier, revenue was higher but operating cash flow, free cash flow, and free cash flow margin were lower.

FCF snapshot

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

TTM free cash flow

$25.3B

Trailing twelve-month free cash flow.

Quarter free cash flow

$6.3B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$7.2B

Cash generated by operations before capital spending.

CapEx

$886.0M

Capital spending and related asset purchases.

FCF margin

5.6%

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
2024-09-30$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%
2025-06-30$111.6B$7.2B$886.0M$6.3B5.6%

Cash conversion quality

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

FCF / net income185.0%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

Operating Cash Flow Increase

Operating cash flow was higher than the prior quarter, while capital expenditure was slightly lower. This combination drove the sequential increase in free cash flow.

The higher operating cash flow resulted in a larger free cash flow compared to the prior quarter.

What the cash flow says

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

Revenue grew, and operating cash flow rose at a faster pace than capital expenditure, resulting in improved free cash flow. The free cash flow margin strengthened from the prior quarter but was weaker than the prior year.

Compared to the immediately preceding quarter, all key metrics improved. Relative to the same quarter one year earlier, revenue was higher but operating cash flow, free cash flow, and free cash flow margin were lower.

The free cash flow margin, which declined year-over-year despite higher revenue, warrants attention.