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UNH UnitedHealth Group Inc.

Stable Control
Peak Score
25.1
top 85% of tracked companies
control ceiling: 51.5 · methodology ↗
score IQR: 0.0–7.6
latest filing: 2026-03-02
z-score vs own history: 1.9σ
latest score percentile: 73.9th

Phrase Escalation Score Over Time

Overlays:
Score (left axis)

Filing Pair Breakdown

Annual (10-K) and quarterly (10-Q) pairs combined · click any row to expand signals.

10-K 2025-02 → 2026-03 @ $292.65
RF: 9602→9773w (1.8%)
25.1
Most Anomalous Sentences semantic score: 2.489
"regulatory bodies, may affect our ability to complete strategic transactions, which could adversely affect our future growth."
distress relevance: 0.67 market specificity: 0.30 score: 0.344 risk_factors
anchor: regulatory capital requirements may constrain our growth
"We are also required by law or regulation to maintain specific prescribed minimum amounts of capital in these subsidiaries."
distress relevance: 0.62 market specificity: 0.35 score: 0.337 risk_factors
anchor: regulatory capital requirements may constrain our growth
"We also must obtain and maintain regulatory approvals to market many of our products and services, increase prices for some regulated products and services and complete or integrate strategic transactions."
distress relevance: 0.64 market specificity: 0.31 score: 0.327 risk_factors
anchor: we are subject to formal regulatory enforcement action
"As a result of an increased MCR impacting our regulated insurance and HMO subsidiaries, the specified levels of required statutory capital required to be maintained are expected to increase."
distress relevance: 0.56 market specificity: 0.40 score: 0.326 mda
anchor: regulatory capital requirements may constrain our growth
"Our investment and loan portfolio may sustain losses which could adversely affect our profitability."
distress relevance: 0.61 market specificity: 0.32 score: 0.321 risk_factors
anchor: significant unrealized losses that would be realized if we sold securities
10-K 2024-02 → 2025-02 @ $453.77
RF: 9686→9602w (-0.9%)
3.1
Most Anomalous Sentences semantic score: 2.395
"We are also required by law or regulation to maintain specific prescribed minimum amounts of capital in these subsidiaries."
distress relevance: 0.62 market specificity: 0.35 score: 0.337 risk_factors
anchor: regulatory capital requirements may constrain our growth
"We also must obtain and maintain regulatory approvals to market many of our products and services, increase prices for some regulated products and services and complete or integrate strategic transactions."
distress relevance: 0.64 market specificity: 0.31 score: 0.327 risk_factors
anchor: we are subject to formal regulatory enforcement action
"Our investment portfolio may sustain losses which could adversely affect our profitability."
distress relevance: 0.68 market specificity: 0.25 score: 0.326 risk_factors
anchor: unrealized losses on our available-for-sale securities portfolio
"These laws and regulations may limit our ability to pursue and perform certain types of engagements, thereby materially and adversely affecting our results of operations, financial position and cash flows."
distress relevance: 0.61 market specificity: 0.29 score: 0.309 risk_factors
anchor: our debt covenants restrict our ability to operate
"If we are unable to obtain sufficient funds from our subsidiaries to fund our obligations, our results of operations, financial position and cash flows could be materially and adversely affected."
distress relevance: 0.60 market specificity: 0.30 score: 0.308 risk_factors
anchor: our cash reserves may be insufficient to fund operations
10-K 2023-02 → 2024-02 @ $475.11
RF: 9612→9686w (0.8%)
7.6
Most Anomalous Sentences semantic score: 2.395
"We are also required by law or regulation to maintain specific prescribed minimum amounts of capital in these subsidiaries."
distress relevance: 0.62 market specificity: 0.33 score: 0.329 risk_factors
anchor: regulatory capital requirements may constrain our growth
"We also must obtain and maintain regulatory approvals to market many of our products and services, increase prices for some regulated products and services and complete or integrate strategic transactions."
distress relevance: 0.64 market specificity: 0.31 score: 0.327 risk_factors
anchor: we are subject to formal regulatory enforcement action
"Our investment portfolio may sustain losses which could adversely affect our profitability."
distress relevance: 0.68 market specificity: 0.25 score: 0.326 risk_factors
anchor: unrealized losses on our available-for-sale securities portfolio
"These laws and regulations may limit our ability to pursue and perform certain types of engagements, thereby materially and adversely affecting our results of operations, financial position and cash flows."
distress relevance: 0.61 market specificity: 0.31 score: 0.318 risk_factors
anchor: our debt covenants restrict our ability to operate
"If we are unable to obtain sufficient funds from our subsidiaries to fund our obligations, our results of operations, financial position and cash flows could be materially and adversely affected."
distress relevance: 0.60 market specificity: 0.30 score: 0.308 risk_factors
anchor: our cash reserves may be insufficient to fund operations
10-K 2022-02 → 2023-02 @ $454.96
RF: 9922→9612w (-3.1%)
0.0
Most Anomalous Sentences semantic score: 2.362
"We are also required by law or regulation to maintain specific prescribed minimum amounts of capital in these subsidiaries."
distress relevance: 0.62 market specificity: 0.34 score: 0.331 risk_factors
anchor: regulatory capital requirements may constrain our growth
"Any international regulator may take an approach to the interpretation, implementation and enforcement of industry regulations which could differ from the approach taken by U.S."
distress relevance: 0.57 market specificity: 0.36 score: 0.314 risk_factors
anchor: we are subject to formal regulatory enforcement action
"If we are unable to obtain sufficient funds from our subsidiaries to fund our obligations, our results of operations, financial position and cash flows could be materially and adversely affected."
distress relevance: 0.60 market specificity: 0.30 score: 0.308 risk_factors
anchor: our cash reserves may be insufficient to fund operations
"These laws may limit our ability to pursue and perform certain types of engagements, thereby materially and adversely affecting our results of operations, financial position and cash flows."
distress relevance: 0.61 market specificity: 0.29 score: 0.308 risk_factors
anchor: our debt covenants restrict our ability to operate
"Volatility in interest rates affects our interest income and the market value of our investments in debt securities of varying maturities which constitute the vast majority of the fair value of our investments as of December 31, 2022."
distress relevance: 0.57 market specificity: 0.34 score: 0.306 risk_factors
anchor: rising interest rates have significantly reduced the fair value of our portfolio
10-K 2021-03 → 2022-02 @ $443.55
RF: 9680→9922w (2.5%)
0.0
Most Anomalous Sentences semantic score: 2.325
"We are also required by law or regulation to maintain specific prescribed minimum amounts of capital in these subsidiaries."
distress relevance: 0.62 market specificity: 0.34 score: 0.331 risk_factors
anchor: regulatory capital requirements may constrain our growth
"Relatively low interest rates on investments, such as those experienced during recent years, have adversely impacted our investment income."
distress relevance: 0.57 market specificity: 0.38 score: 0.320 risk_factors
anchor: asset-liability mismatch exposes us to significant interest rate risk
"Volatility in interest rates affects our interest income and the market value of our investments in debt securities of varying maturities which constitute the vast majority of the fair value of our investments as of December 31, 2021."
distress relevance: 0.58 market specificity: 0.34 score: 0.311 risk_factors
anchor: rising interest rates have significantly reduced the fair value of our portfolio
"Our long-term cash requirements under our various contractual obligations and commitments include: Note 8 of the Notes to the Consolidated Financial Statements included in Part II, Item 8, “Financial Statements for further detail of our long-term debt and the timing of expected future payments."
distress relevance: 0.63 market specificity: 0.28 score: 0.311 mda
anchor: maturity of debt obligations may require significant cash
"We do not have other significant contractual obligations or commitments requiring cash resources."
distress relevance: 0.58 market specificity: 0.33 score: 0.308 mda
anchor: we may not have sufficient liquidity to meet our obligations

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