---
type: "Topics"
locale: "en"
url: "https://longbridge.com/en/topics/39740161.md"
description: "[The following content is from AI]Based on the effective growth of MA 4.98%, re-adjusting PE and stock price.Core Base (Latest as of 2026/4/7)• 2026 Official EPS Guidance: ≥$17.75• 2027 EPS (Post-fee): $21.33 (Raymond James raised on 4/1)• Historical Normal Forward PE: 17–22x (Average ≈20–22x)• Current Stock Price: $281.36Valuation Calculation (PE Range × 2027E EPS)• Undervalued Zone (≤16x): $21.33×16=$341.28 (High safety margin)• Fair Value Zone (17–22x):◦ 17x: $21.33×17=$362.61◦ 20x: $21.33×20=$426.6◦ 22x: $21.33×22=$469.26• Overvalued Zone (≥23x): $21.33×23=$490.59 (Valuation stretched, sentiment premium)Key Revisions Compared to the Old Range• Old Version (Based on 2026E $17.75): Fair Value Zone $301.75–$390• New Version (Based on 2027E $21.33): Fair Value Zone $362–$469• Change Logic: EPS revised up by ~$1.89, valuation center shifted up by $60+, 4.98% fee rate + Optum AI cost reduction significantly boosted profitability.Institutional Validation• Raymond James (4/1): Target Price $330 (22×$21.33)• TipRanks Consensus: $366.47• Conservative Anchor: TD Cowen's original $311 (already appears conservative)Quick Summary• ✅ Undervalued: ≤**$341** (Safe zone, PE≤16)• ⚖️ Fair Value: $362～$469 (Normal price, PE17–22)• ❌ Overvalued: ≥**$491** (A bit expensive, PE≥23)$Unitedhealth(UNH.US)"
datetime: "2026-04-07T10:03:29.000Z"
locales:
  - [en](https://longbridge.com/en/topics/39740161.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/39740161.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/39740161.md)
author: "[小马哥的交易员](https://longbridge.com/en/profiles/15302149.md)"
---

# [The following content is from AI]Based on the eff…


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