Core Viewpoint - Investors and analysts are evaluating whether UnitedHealth Group (UNH) stock is a buy, sell, or hold as it faces challenges in 2025, including earnings misses and operational pressures, particularly in its Medicare Advantage business, but recent data suggests potential stabilization for a rebound in 2026 [1] Company Overview - UnitedHealth is a leading diversified healthcare company based in Minnesota, operating through its insurance arm UnitedHealthcare and services business Optum, offering a wide range of healthcare products and services [2] - The company's market capitalization is $299 billion, positioning it among the largest healthcare firms in the U.S. [2] Stock Performance - In 2025, UNH stock has seen a significant decline, with a total return decrease of approximately 33%, underperforming the S&P 500 Index, which gained 17% over the same period [3] - The stock has experienced considerable volatility, with a 52-week high of $606.36 in April, but is currently down 44% from that peak due to regulatory scrutiny and management changes [4] - As of December 24, UNH stock ended a seven-session losing streak with a slight increase, closing at $327.58, although the overall performance remains weak, trading around the $338 level [5] Valuation - UNH stock is currently trading at a discount compared to industry peers, with a forward earnings multiple of 20 times [6]