UnitedHealth announced results for the second quarter of 2026. Second-quarter revenue was $112 billion, operating profit was $8 billion, and net profit margin was 4.9%. Earnings per share were $6.04 and adjusted earnings per share were $6.38. Operating cash flow was $11.1 billion, 1.9 times net profit. As of June 30, 2026, the debt-to-capital ratio was 41.2%. The medical cost rate for the second quarter was 86.7%, and the operating cost ratio was 12.7%. The company raised its 2026 full-year results guidance. It expects full-year earnings per share of $18.45-$18.95, and adjusted earnings per share of $19.5-20. By business, UnitedHealthcare serves 48.5 million consumers, with revenue of 86 billion US dollars, profit of 3.9 billion US dollars, and an operating profit margin of 4.6%; Optum supports more than 120 million consumers, revenue of 65.7 billion US dollars, profit of 4 billion US dollars, and profit margin increased 160 basis points year over year. The company promises to voluntarily eliminate and refund profits from personal ACA insurance products in 2026; it plans to eliminate 30% of the existing pre-authorized amount by the end of 2026.

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