UNH Debt Analysis
UnitedHealth Group Incorporated - Total Debt & Leverage Ratios
Data as of 12/31/2025
Debt Health Rating
Good
Healthy debt levels with adequate coverage
Key Debt Metrics
$10.92B
Combined long & short-term
0.33x
Leverage ratio
9.41x
Op. income / interest
Debt Structure
Long-term Debt
Due after 1 year
Short-term Debt
Due within 1 year
Annual Interest Expense
Cost of debt per year
Net Debt
Total debt minus cash
Leverage Ratios
Debt-to-Assets
Total debt / Total assets
Debt Service Coverage
Cash flow / Interest
Debt Activity (Annual)
New Debt Issued
$2.97B
Debt Repaid
$1.50B
Net Change
$1.47B
Adding debt
Balance Sheet Context
Cash & Equivalents
$28.00B
Total Assets
$312.64B
Stockholders Equity
$33.02B
Operating Income
$8.99B
Operating Cash Flow
$8.91B
View Detailed Debt Analysis
Explore maturity schedules, corporate bonds, and risk analysis
View Full Debt ReportFrequently Asked Questions
What is UNH total debt?
UNH has total debt of $10.92B, consisting of - in long-term debt and $10.92B in short-term debt.
What is UNH debt-to-equity ratio?
UNH's debt-to-equity ratio is 0.33x. This indicates conservative leverage.
What is UNH interest coverage ratio?
UNH has an interest coverage ratio of 9.41x, meaning it generates 9.4 times its annual interest expense in operating income. This indicates strong ability to service debt.
Is UNH debt level healthy?
UNH has a debt health rating of "Good". Healthy debt levels with adequate coverage. The company has been adding to its debt.
How much is UNH net debt?
UNH's net debt (total debt minus cash) is $-17.08B. The negative value means the company has more cash than debt.