The woes continue for this troubled insurance giant.Shares of UnitedHealth Group (UNH -6.18%) are falling on Tuesday, down 5.4% as of 2:20 p.m. ET. The drop comes as the S&P 500 (^GSPC -0.23%) declined 0.3% and the Nasdaq Composite (^IXIC -0.18%) fell 0.2%.The troubled health insurance giant set worse-than-expected guidance on Tuesday.UnitedHealth continues to struggleThe company reported its Q2 financials today, revealing the insurer is still very much struggling. The company was able to deliver on revenue ...

>> All right welcome back. We're going to talk about some stocks today that are falling and falling pretty sharply. I've got a number in front of me.We're going to start with UnitedHealth. They missed. They say their earnings are going to be worse than expected.Stephanie Link owns the stock. What do you think. >> It wasn't about the quarter. It was about the guidance.2025 at $16 was lower than kind of worst case scenario. I thought it was going to be something like $18. So that's obviously disappointing.But ...

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Core Insights - UnitedHealth Group Inc. (UNH) reported second-quarter 2025 adjusted earnings per share (EPS) of $4.08, missing the Zacks Consensus Estimate of $4.84, and reflecting a 40% year-over-year decline [1][10] - Revenues increased by 12.9% year over year to $111.6 billion, slightly surpassing the consensus mark by 0.1% [1][10] - The decline in earnings was attributed to elevated medical costs, although this was partially offset by growth in domestic commercial membership and strength in Optum Rx [1][10] Business Performance of UNH - UnitedHealth's second-quarter premium reached $87.9 billion, up from $76.9 billion a year ago, beating the consensus mark by 0.8% [2] Medical Care Ratio and Costs - The medical care ratio (MCR) for the second quarter was 89.4%, worsening by 430 basis points from the previous year and exceeding the Zacks Consensus Estimate of 88.6% [3] - Medical costs rose to $78.6 billion from $65.5 billion a year ago [3][10] - Total operating costs for the second quarter were $106.5 billion, a 17% increase year over year, driven by higher medical costs and cost of products sold [4] Operating Earnings and Margins - Operating earnings declined by 34.6% year over year to $5.2 billion, with the net margin decreasing by 120 basis points to 3.1% [5][10] Performance of Business Platforms - Revenues from UnitedHealthcare, the health benefits segment, increased by 17% year over year to $86.1 billion, driven by domestic commercial membership growth, surpassing the Zacks Consensus Estimate of $84.8 billion [6] - Optum's revenues were $67.2 billion, a 6.8% year-over-year increase, although it fell short of the consensus mark of $67.5 billion [7] Medical Membership - UnitedHealthcare served 50.1 million people as of June 30, 2025, a 2.1% year-over-year growth, but below the Zacks Consensus Estimate of 50.3 million [8] Financial Position - As of June 30, 2025, UnitedHealth had cash and short-term investments of $32 billion, up from $29.1 billion at the end of 2024 [11] - Total assets increased to $308.6 billion from $298.3 billion at the end of 2024 [11] - Long-term debt rose to $73.5 billion from $72.4 billion as of December 31, 2024 [11] Capital Deployment - In the second quarter, UnitedHealth returned $4.5 billion to shareholders through share repurchases and dividends, with a 5% increase in the quarterly dividend rate announced in June [13] 2025 Outlook - Management now projects adjusted net EPS to be at least $16 for 2025, down from a previous range of $26-$26.50, while net earnings are expected to be at least $14.65 billion [14] - Revenues are projected between $445.5 billion and $448 billion for 2025, an increase from $400.3 billion in 2024 [14] - Operating cash flows are now expected to be $16 billion, down from $24.2 billion in 2024 [14]

Group 1: Boeing Co (BA) - Boeing reported second-quarter results with narrower-than-expected losses of $1.24 per share and revenue of $22.75 billion, marking the strongest revenue in six years [1] - Airplane deliveries reached their highest level since 2018 [1] - Despite the positive results, Boeing's stock was down 3.2% at $228.86 after hitting a 52-week high of $242.59 [2] - Year-to-date, Boeing's equity is up 29.9% [2] Group 2: UnitedHealth Group Inc (UNH) - UnitedHealth reported second-quarter earnings, revenue, and full-year forecast that all missed analyst expectations due to higher medical costs [3] - The stock was down 4.5% at $269.70, potentially marking its lowest close in five years if losses hold [3] - Year-to-date, UnitedHealth's equity is down 46.6% [3] Group 3: Options Trading Activity - Options traders are actively trading both UNH and BA, with both companies seeing double the intraday average options volume [4] - The most popular options contract for Boeing is the weekly 8/1 235-strike call, while for UnitedHealth, it is the January 2027 500-strike call, with new positions opening for both [4]

联合健康(UNH.US)盘初一度跌超7.6%，最低触及260.55美元，创逾两个月新低。消息面上，联合健康 Q2收入为1116亿美元，略高于市场预期的1115.9美元；调整后每股收益4.08美元，低于市场预期的4.22 美元。由于各业务线的医疗成本趋势高于预期，医疗赔付率(MLR)升至89.4%，高于市场预期的89.3%。 公司更新2025年业绩展望，预计营收为4455亿至4480亿美元，调整后每股收益为16美元，远低于此前预 期的26至26.5美元。(格隆汇) （原标题：美股异动｜联合健康一度跌超7.6%创逾两个月新低 下调全年调整后每股收益指引） ...

Core Insights - UnitedHealth Group reported $111.62 billion in revenue for Q2 2025, a year-over-year increase of 12.9% [1] - The EPS for the same period was $4.08, down from $6.80 a year ago, representing a surprise of -15.7% compared to the consensus estimate of $4.84 [1] Financial Performance - The reported revenue exceeded the Zacks Consensus Estimate of $111.55 billion by 0.06% [1] - The company’s stock has returned -9.6% over the past month, underperforming the Zacks S&P 500 composite's +3.6% change [3] Key Operating Metrics - Medical Care Ratio was reported at 89.4%, slightly above the average estimate of 88.6% [4] - UnitedHealthcare served 8.44 million risk-based customers, slightly below the average estimate of 8.48 million [4] - Total community and senior customers served were 20.15 million, compared to the average estimate of 20.28 million [4] Revenue Breakdown - Investment and other income was $1.11 billion, exceeding the average estimate of $1.03 billion, with a year-over-year change of +11.1% [4] - Products revenue was $13.56 billion, matching the average estimate, with a year-over-year change of +11.1% [4] - Services revenue was $9.04 billion, below the average estimate of $9.37 billion, with a year-over-year change of +3.3% [4] - Premiums revenue reached $87.91 billion, surpassing the average estimate of $87.23 billion, reflecting a +14.3% year-over-year change [4] - Optum Insight revenue was $4.83 billion, below the average estimate of $5.17 billion, with a +6.3% year-over-year change [4] - Optum Rx revenue was $38.46 billion, exceeding the average estimate of $36.43 billion, with an +18.7% year-over-year change [4] - Optum Health revenue was $25.21 billion, below the average estimate of $26.88 billion, reflecting a -6.8% year-over-year change [4] - Total revenue for UnitedHealthcare was $86.1 billion, surpassing the average estimate of $84.75 billion, with a +16.6% year-over-year change [4]

Financial Performance & Guidance - The company's Q2 earnings missed expectations, coming in at $408 per share [1] - 2025 earnings guidance is at least $16 per share, lower than the street's expectation of at least $18 per share [2] Optum Health Performance - Optum Health's Q2 revenues decreased by 7% [2] - Optum Health's full-year revenue is projected to decrease by 4% [3] Factors Impacting Performance - The company faces higher costs, higher utilization, and headwinds in Medicare Advantage plans [2] - V28 reshuffling of billing for Medicare visits is negatively impacting the 90,000-strong doctor unit [3] Leadership & Transparency - Steven Hemsley replaced Andrew Witty as CEO to restore confidence through transparency [1]

这家素以业绩稳健增长著称的医疗巨头，今年初曾因医疗成本激增意外撤销业绩指引令华尔街震惊。而 低于预期的业绩指引折射出联合健康当前面临的困境：上半年未能准确预测成本上涨趋势，这可能导致 其调整后每股收益出现2008年以来首次年度下滑。 周二，联合健康(UNH.US)开盘跌近6%，至5月份以来的最低水平，报267.86美元。消息面上，该公司在 第二季度财报中公布了不及预期的年度利润指引，这让这家医疗保健巨头在努力重拾投资者信心的道路 上再次遭遇挫折。该公司目前预计，2025年调整后每股收益将不低于16美元，远低于分析师平均预期的 20.40美元;营收将在4455亿至4480亿美元之间，分析师预期为4491.6亿美元。 ...