UnitedHealth Group Incorporated(UNH)
Medical - Healthcare Plans · Eden Prairie, MN
$400.84+0.00 (+0.00%)
Delayed quote: Sep 8, 2026, 4:00 PM EDT
Medical - Healthcare Plans · Eden Prairie, MN
Delayed quote: Sep 8, 2026, 4:00 PM EDT
Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the interest coverage ratio high or low?
The interest coverage ratio of 4.74x is 54% below its 5-year average of 10.32x, near the low end of its 5-year range (0.39x–16.05x).
13.59% below its 12-month average of 5.49x.
Reported quarterly interest coverage; no daily interpolation.
INTEREST COVERAGE RATIO
4.74x
INTEREST COVERAGE RATIO AVG TTM
5.49x
INTEREST COVERAGE RATIO AVG 3Y
8.93x
INTEREST COVERAGE RATIO AVG 5Y
10.32x
INTEREST COVERAGE RATIO AVG 10Y
11.27x
INTEREST COVERAGE RATIO AVG 15Y
12.52x
INTEREST COVERAGE RATIO AVG 20Y
12.73x
CURRENT VS TTM AVG
-13.59%
CURRENT VS 3Y AVG
-46.94%
CURRENT VS 5Y AVG
-54.05%
CURRENT VS 10Y AVG
-57.93%
CURRENT VS 15Y AVG
-62.15%
CURRENT VS 20Y AVG
-62.76%
SECTOR MEDIAN · HEALTHCARE
6.88x
median of 82 covered companies
CURRENT VS SECTOR MEDIAN
-31.15%
vs the sector median at left
UnitedHealth Group Incorporated
Market Cap
$364.02B
Interest Coverage Ratio
4.74x
TTM Avg
5.49x
3Y Avg
8.93x
5Y Avg
10.32x
Market Cap
$87.17B
Interest Coverage Ratio
5.79x
TTM Avg
6.64x
3Y Avg
7.93x
5Y Avg
8.79x
Market Cap
$72.89B
Interest Coverage Ratio
6.61x
TTM Avg
6.58x
3Y Avg
6.49x
5Y Avg
6.37x
Market Cap
$122.58B
Interest Coverage Ratio
3.33x
TTM Avg
3.10x
3Y Avg
3.72x
5Y Avg
4.16x
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| UnitedHealth Group Incorporated (UNH) | $364.02B | 4.74x | 5.49x | 8.93x | 10.32x |
| Elevance Health Inc. (ELV)vs › | $87.17B | 5.79x | 6.64x | 7.93x | 8.79x |
| Cigna Corporation (CI)vs › | $72.89B | 6.61x | 6.58x | 6.49x | 6.37x |
| Humana Inc. (HUM)vs › | $48.40B | 2.30x | 2.38x | 5.10x | 7.90x |
| CVS Health Corp. (CVS)vs › | $122.58B | 3.33x | 3.10x | 3.72x | 4.16x |
| Centene Corp. (CNC)vs › | $31.90B | -11.24x | 4.28x | 3.30x | 3.63x |
Interest Coverage
4.7x
Debt/Equity
0.74
Current Ratio
0.78
Formula: Interest Coverage = EBIT / Interest Expense
Reference ranges:
Note: Interest coverage should be compared with historical interest expense, operating income, and industry capital structure.
Interest Coverage = EBIT / Interest Expense
The interest coverage ratio measures operating earnings relative to interest expense.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | INTEREST COVERAGE RATIO |
|---|---|
| 2026-06-30 | 8.31x |
| 2026-03-31 | 9.41x |
| 2025-12-31 | 0.39x |
| 2025-09-30 | 4.30x |
| 2025-06-30 | 5.01x |
| 2025-03-31 | 9.14x |
| 2024-12-31 | 7.75x |
| 2024-09-30 | 8.11x |
| 2024-06-30 | 7.99x |
| 2024-03-31 | 9.40x |
| 2023-12-31 | 9.26x |
| 2023-09-30 | 10.22x |
| 2023-06-30 | 9.73x |
| 2023-03-31 | 10.72x |
| 2022-12-31 | 10.19x |
| 2022-09-30 | 14.46x |
| 2022-06-30 | 15.27x |
| 2022-03-31 | 16.05x |
| 2021-12-31 | 12.86x |
| 2021-09-30 | 13.54x |
| 2021-06-30 | 14.58x |
| 2021-03-31 | 16.97x |
| 2020-12-31 | 8.77x |
| 2020-09-30 | 11.77x |
| 2020-06-30 | 21.49x |
| 2020-03-31 | 11.43x |
| 2019-12-31 | 11.66x |
| 2019-09-30 | 11.17x |
| 2019-06-30 | 11.35x |
| 2019-03-31 | 12.08x |
| 2018-12-31 | 12.02x |
| 2018-09-30 | 13.00x |
| 2018-06-30 | 12.22x |
| 2018-03-31 | 12.32x |
| 2017-12-31 | 12.91x |
| 2017-09-30 | 13.90x |
| 2017-06-30 | 12.40x |
| 2017-03-31 | 12.06x |
| 2016-12-31 | 11.89x |
| 2016-09-30 | 13.31x |
| 2016-06-30 | 11.82x |
| 2016-03-31 | 11.43x |
| 2015-12-31 | 9.49x |
| 2015-09-30 | 13.18x |
| 2015-06-30 | 19.17x |
| 2015-03-31 | 17.60x |
| 2014-12-31 | 18.31x |
| 2014-09-30 | 19.10x |
| 2014-06-30 | 16.46x |
| 2014-03-31 | 12.84x |
| 2013-12-31 | 13.93x |
| 2013-09-30 | 14.78x |
| 2013-06-30 | 13.64x |
| 2013-03-31 | 12.02x |
| 2012-12-31 | 12.14x |
| 2012-09-30 | 16.52x |
| 2012-06-30 | 14.55x |
| 2012-03-31 | 15.66x |
| 2011-12-31 | 14.92x |
| 2011-09-30 | 16.05x |
| 2011-06-30 | 17.64x |
| 2011-03-31 | 18.82x |
| 2010-12-31 | 15.27x |
| 2010-09-30 | 18.03x |
| 2010-06-30 | 15.97x |
| 2010-03-31 | 16.13x |
| 2009-12-31 | 10.94x |
| 2009-09-30 | 12.23x |
| 2009-06-30 | 10.36x |
| 2009-03-31 | 12.73x |
| 2008-12-31 | 8.25x |
| 2008-09-30 | 9.63x |
| 2008-06-30 | 4.10x |
| 2008-03-31 | 11.12x |
| 2007-09-30 | 15.18x |
| 2007-06-30 | 15.59x |