New York, Jan 26, 2026, 10:51 EST — Regular session
- UnitedHealth shares dropped roughly 1.8%, slipping to $349.74 in late morning trading.
- UnitedHealth Group is set to release its full-year 2025 results and provide guidance for 2026 on Tuesday, before the market opens. (UnitedHealth Group)
- Analysts point to Medicare Advantage cost trends and the 2026 outlook as the main variables to watch. (TipRanks)
Shares of UnitedHealth Group dropped 1.8% to $349.74 on Monday, underperforming the wider health insurance sector as investors braced for the company’s upcoming earnings.
The report arrives at a tricky time for managed-care stocks as investors search for signs that medical-cost pressures are easing and pricing is starting to catch up. UnitedHealth’s guidance usually sets the pace, given its status as the biggest player in the sector and a Dow component.
UnitedHealth plans to report its full-year 2025 financial results and update guidance for 2026 on Tuesday, Jan. 27, ahead of the market open. The company will hold a conference call at 8:00 a.m. ET. (UnitedHealth Group)
As earnings hit the tape, all eyes are on Medicare Advantage, the private alternative to traditional Medicare for seniors. Rising use in that segment has squeezed margins industry-wide. Traders want any clue that this pressure might be easing. (TipRanks)
TipRanks data projected earnings per share of $2.12 on $113.8 billion in revenue for the quarter, highlighting a sharp year-over-year earnings decline driven by medical-cost pressures. MarketBeat’s preview showed slightly lower estimates, with $2.09 EPS and $113.38 billion in revenue. (TipRanks)
UnitedHealth’s action caught attention again. Humana dipped roughly 0.9%, Cigna edged down around 0.5%. Elevance nudged up a bit, and CVS held steady.
Wall Street is adjusting targets without changing ratings. On Jan. 23, Morgan Stanley’s Ricky Goldwasser nudged the price target down slightly to $409 from $411 but held firm on an “Overweight” rating, Benzinga reported. Earlier this month, Barclays’ Andrew Mok actually raised his target. (Benzinga)
Separately, Baird analyst Michael Ha described UnitedHealth’s plan to rebate Affordable Care Act marketplace profits as a “potentially masterful move.” He noted it might put pressure on exchange-heavy competitors, especially if policymakers consider broader rebate or clawback rules. (TipRanks)
Washington continues to be a flashpoint for UnitedHealth. Earlier this month, a Senate Judiciary Committee report accused the company of using “aggressive tactics” to inflate Medicare Advantage payments. UnitedHealth pushed back against those claims. (Reuters)
The downside risk this week is clear: if UnitedHealth’s 2026 guidance signals ongoing cost pressures or introduces new regulatory concerns, the stock might gap sharply when earnings drop. According to TipRanks, options traders are bracing for about a 6.3% swing either way. (TipRanks)
Tuesday’s earnings reports and guidance, dropping before the open, stand as the next big trigger. After that, attention shifts to the Federal Reserve’s policy meeting on Jan. 27-28, with the rate decision set for Wednesday afternoon — a setting ripe for stirring up individual stock volatility. (Federal Reserve)
