UNH Debt Analysis
UNITEDHEALTH GROUP INCORPORATED - Total Debt & Leverage Ratios
Data as of 12/31/2025
Debt Health Rating
Moderate
Manageable debt with some risk
Key Debt Metrics
$10.92B
Combined long & short-term
0.33x
Leverage ratio
4.74x
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
$3.05B
Net Change
$-81.00M
Reducing debt
Balance Sheet Context
Cash & Equivalents
$24.36B
Total Assets
$309.58B
Stockholders Equity
$33.02B
Operating Income
$18.96B
Operating Cash Flow
$19.70B
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 4.74x, meaning it generates 4.7 times its annual interest expense in operating income. This shows adequate coverage.
Is UNH debt level healthy?
UNH has a debt health rating of "Moderate". Manageable debt with some risk. The company is actively reducing its debt levels.
How much is UNH net debt?
UNH's net debt (total debt minus cash) is $-13.45B. The negative value means the company has more cash than debt.