UNH vs SPY
Comparison between Unitedhealth Group Inc (UNH, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).
5-Year PerformanceSPY has outperformed UNH, delivering a return of +13.3% compared to -0.2%
UNH vs SPY - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Market Cap / Net Assets
UNH
$333B
Winner
SPY
$652B
Expense Ratio
UNH
N/A
SPY
0.09%
Max Drawdown
UNH
74.45%
Winner
SPY
56.47%
Sharpe Ratio
UNH
0.16
Winner
SPY
2.07
5Y Beta
Winner
UNH
0.31
SPY
1.00
Industry
UNH
Healthcare Plans
SPY
N/A
P/E Ratio
Winner
UNH
27.65
SPY
28.24
Forward P/E
Winner
UNH
20.12
SPY
21.85
PEG Ratio
UNH
1.28
SPY
N/A
Dividend Yield
UNH
2.39%
SPY
N/A
5Y Dividends CAGR
Winner
UNH
17.76%
SPY
5.43%
5Y EPS CAGR
UNH
-5.71%
Winner
SPY
25.79%
Debt to Equity
UNH
75.00%
Winner
SPY
22.35%
Free Cash Flow Yield
UNH
5.90%
SPY
N/A
P/S Ratio
Winner
UNH
0.74
SPY
3.55
P/B Ratio
Winner
UNH
3.58
SPY
5.29
UNH vs SPY - Historical Returns
Returns include dividend reinvestment.
1M
Winner
UNH
+24.18%
SPY
+9.11%
3M
Winner
UNH
+38.89%
SPY
+6.59%
6M
Winner
UNH
+18.92%
SPY
+10.56%
1Y
UNH
+1.36%
Winner
SPY
+32.04%
5Y(CAGR)
UNH
-0.17%
Winner
SPY
+13.35%
10Y(CAGR)
UNH
+12.93%
Winner
SPY
+15.49%
Max(CAGR)
Winner
UNH
+17.72%
SPY
+8.50%
UNH vs SPY - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | UNH | SPY |
|---|---|---|
| 2026 | +13.83% | +8.27% |
| 2025 | -32.93% | +18.00% |
| 2024 | -4.74% | +25.59% |
| 2023 | +3.04% | +26.72% |
| 2022 | +6.92% | -18.64% |
| 2021 | +45.70% | +30.52% |
| 2020 | +21.82% | +17.28% |
| 2019 | +22.76% | +31.09% |
| 2018 | +14.16% | -5.24% |
| 2017 | +38.60% | +20.78% |
| 2016 | +39.81% | +13.59% |
| 2015 | +18.62% | +1.31% |
| 2014 | +37.79% | +14.56% |
| 2013 | +40.26% | +29.00% |
| 2012 | +6.88% | +14.17% |
| 2011 | +38.28% | +0.85% |
| 2010 | +15.90% | +13.14% |
| 2009 | +10.63% | +22.67% |
| 2008 | -52.98% | -36.25% |
| 2007 | +10.77% | +5.32% |
| 2006 | -12.91% | +13.85% |
| 2005 | +43.52% | +5.32% |
| 2004 | +49.17% | +10.75% |
| 2003 | +35.80% | +24.18% |
| 2002 | +18.62% | -22.42% |
| 2001 | +20.13% | -10.13% |
| 2000 | +128.51% | -8.84% |
| 1999 | +1.78% | +8.61% |
UNH vs SPY Drawdown Comparison
The maximum drawdown for UNH was -74.37%, occurring on Nov 20, 2008. Recovery took 1829 trading sessions.
The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.
The current UNH drawdown is -36.99%.
| Rank | UNH | SPY |
|---|---|---|
| #1 | -74.37% Dec 21, 2005 - Apr 2, 2013 | -55.20% Oct 9, 2007 - Aug 16, 2012 |
| #2 | -61.39% Nov 11, 2024 - Aug 1, 2025 | -47.50% Mar 24, 2000 - Oct 26, 2006 |
| #3 | -35.92% Feb 19, 2020 - May 29, 2020 | -33.70% Feb 19, 2020 - Aug 10, 2020 |
| #4 | -24.27% Feb 17, 2000 - Apr 10, 2000 | -24.50% Jan 3, 2022 - Dec 13, 2023 |
| #5 | -23.98% Dec 3, 2018 - Dec 12, 2019 | -19.34% Sep 20, 2018 - Apr 12, 2019 |
| #6 | -23.85% Oct 23, 2002 - Jun 11, 2003 | -18.76% Feb 19, 2025 - Jun 26, 2025 |
| #7 | -19.99% Nov 30, 2023 - Jul 16, 2024 | -13.02% Jul 20, 2015 - Apr 18, 2016 |
| #8 | -19.85% May 1, 2001 - Jul 18, 2001 | -10.10% Jan 26, 2018 - Aug 6, 2018 |
| #9 | -18.48% Oct 31, 2022 - Nov 30, 2023 | -9.44% Sep 2, 2020 - Nov 11, 2020 |
| #10 | -17.50% Dec 28, 2000 - Apr 25, 2001 | -9.30% Jan 19, 2000 - Mar 17, 2000 |
| #11 | -16.91% Apr 20, 2022 - Aug 15, 2022 | -9.05% Jul 19, 2007 - Oct 5, 2007 |
| #12 | -15.58% Jun 19, 2002 - Oct 16, 2002 | -8.88% Jan 27, 2026 - Apr 14, 2026 |
| #13 | -15.18% Nov 18, 1999 - Jan 7, 2000 | -8.41% Jul 16, 2024 - Sep 19, 2024 |
| #14 | -14.78% Jul 6, 2000 - Aug 11, 2000 | -7.35% Sep 14, 2012 - Jan 2, 2013 |
| #15 | -14.70% Jan 13, 2000 - Feb 17, 2000 | -7.27% Sep 18, 2014 - Oct 31, 2014 |
Correlation
Correlation between UNH and SPY is 0.90 which considered as a strong positive correlation - the stocks tend to move together.
0.90
-101
Dividend Comparison (1999 - 2026)
UNH vs SPY dividend yield comparison.
| Year | UNH | SPY |
|---|---|---|
| 2026 | 0.58% | 0.24% |
| 2025 | 2.64% | 1.07% |
| 2024 | 1.62% | 1.21% |
| 2023 | 1.38% | 1.40% |
| 2022 | 1.21% | 1.65% |
| 2021 | 1.12% | 1.20% |
| 2020 | 1.38% | 1.52% |
| 2019 | 1.41% | 1.75% |
| 2018 | 1.38% | 2.04% |
| 2017 | 1.30% | 1.80% |
| 2016 | 1.48% | 2.03% |
| 2015 | 1.59% | 2.06% |
| 2014 | 1.39% | 1.87% |
| 2013 | 1.40% | 1.81% |
| 2012 | 1.47% | 2.18% |
| 2011 | 1.21% | 2.05% |
| 2010 | 1.12% | 1.80% |
| 2009 | 0.10% | 1.95% |
| 2008 | 0.23% | 3.02% |
| 2007 | 0.05% | 1.85% |
| 2006 | 0.06% | 1.73% |
| 2005 | 0.02% | 1.73% |
| 2004 | 0.03% | 1.82% |
| 2003 | 0.03% | 1.47% |
| 2002 | 0.04% | 1.70% |
| 2001 | 0.04% | 1.25% |
| 2000 | 0.02% | 1.15% |
| 1999 | 0.00% | 0.24% |
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