UN
UNH
Dec 31, 2025
Quarter ended Dec 31, 2025 · FY2025 Q4

UnitedHealth Group Incorporated stock research

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

Revenue was unchanged from the prior quarter and higher than a year ago, but operating cash flow fell sharply, compressing free cash flow to a minimal level. The free cash flow margin weakened significantly compared with both the preceding quarter and the same quarter last year.

Free cash flow takeaway

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

Revenue was unchanged from the prior quarter and higher than a year ago, but operating cash flow fell sharply, compressing free cash flow to a minimal level. The free cash flow margin weakened significantly compared with both the preceding quarter and the same quarter last year.

  • Revenue remained stable relative to the prior quarter, while operating cash flow dropped substantially, causing free cash flow to contract despite a modest increase in capital expenditure. The free cash flow margin declined to a very low level, reflecting weaker cash conversion.
  • Compared with the prior quarter, revenue was unchanged but operating cash flow and free cash flow were both lower, and free cash flow margin weakened. Versus the same quarter a year ago, revenue was higher, yet operating cash flow and free cash flow were lower, with a weaker margin.

FCF snapshot

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

TTM free cash flow

$16.1B

Trailing twelve-month free cash flow.

Quarter free cash flow

$160.0M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$1.1B

Cash generated by operations before capital spending.

CapEx

$948.0M

Capital spending and related asset purchases.

FCF margin

0.1%

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
2025-03-31$109.6B$5.5B$898.0M$4.6B4.2%
2025-06-30$111.6B$7.2B$886.0M$6.3B5.6%
2025-09-30$113.2B$5.9B$890.0M$5.1B4.5%
2025-12-31$113.2B$1.1B$948.0M$160.0M0.1%

Cash conversion quality

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

FCF / net income1600.0%Shows whether accounting earnings convert into cash.
CapEx / revenue0.8%Lower capital intensity usually supports FCF margin.
Net cash-$54.0BCash and equivalents minus total debt.

Recent events shaping cash flow

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

Watch

Operating cash flow contraction

Operating cash flow was substantially lower than the prior quarter and the year-ago quarter, while revenue remained stable or increased. This change was the primary observable factor behind the reduction in free cash flow.

Free cash flow fell to a minimal level, producing a very low free cash flow margin.

What the cash flow says

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

Revenue remained stable relative to the prior quarter, while operating cash flow dropped substantially, causing free cash flow to contract despite a modest increase in capital expenditure. The free cash flow margin declined to a very low level, reflecting weaker cash conversion.

Compared with the prior quarter, revenue was unchanged but operating cash flow and free cash flow were both lower, and free cash flow margin weakened. Versus the same quarter a year ago, revenue was higher, yet operating cash flow and free cash flow were lower, with a weaker margin.

Monitor the level of operating cash flow given its significant variation from the prior quarter.

UNH Free Cash Flow — Quarter Ended Dec 31, 2025