{
 "schema": "theclaudetrader.research_packet.v1",
 "generated_at": "2026-10-31T18:13:01+00:00",
 "snapshot_date": "2026-10-31",
 "about": {
  "site": "The Claude Trader",
  "what_this_is": "Evidence-first research record built from SEC XBRL, SEC Form 4 and exchange prices. Deterministic rule scores with every input linked to its source. No recommendations. fair_value_model is a labelled model estimate from SEC filings, not a price target or recommendation (method: /fair-value).",
  "publishes": "Facts and their provenance only; no holdings, targets, estimates or recommendations.",
  "how_to_answer": [
   "State the snapshot date and each score's data_as_of.",
   "Quote scores with their status: ok = complete; partial / insufficient = a test was excluded because an input was absent or older than 550 days. Repeat each warning beside the number it affects; a 'stale' warning means the input was used but is older than 120 days (price: 7 days).",
   "Cite the source URL for any number you repeat.",
   "Say what is missing; never present holdings or targets as this site's (it has none).",
   "If asked for a shortlist or portfolio: build it from the user's horizon, risk, benchmark, exclusions and limits; cite inputs, explain inclusion and thesis risks; label weights as your synthesis, distinct from these deterministic scores; no promised outperformance or invented expected returns."
  ]
 },
 "company": {
  "ticker": "UNH",
  "name": "Unitedhealth Group Inc",
  "legal_name": "UNITEDHEALTH GROUP INC",
  "cik": "0000731766",
  "exchange": "NYSE",
  "industry": "Hospital & Medical Service Plans",
  "sic": "6324",
  "fiscal_year_end": "1231",
  "is_financial": true,
  "is_utility": false
 },
 "price": {
  "value": 406.97,
  "as_of": "2026-10-30",
  "source": "Alpaca Market Data (consolidated SIP daily bar)",
  "url": "https://docs.alpaca.markets/docs/historical-stock-data-1"
 },
 "market_cap": {
  "value": 365294174883.59,
  "as_of": "2026-10-30",
  "unit": "USD",
  "meaning": "price on the price date x latest reported point-in-time shares (see inputs.share_count_as_of)",
  "warning": null,
  "unavailable_reason": null,
  "inputs": {
   "traded_price": {
    "value": 406.97,
    "as_of": "2026-10-30",
    "unit": "USD per traded unit (share or ADS)",
    "source": "Alpaca Market Data (consolidated SIP daily bar)",
    "url": "https://docs.alpaca.markets/docs/historical-stock-data-1"
   },
   "sec_shares_outstanding": {
    "value": 897594847.0,
    "unit": "underlying shares",
    "concept": "SEC cover page 10-Q 0000731766-26-000197 (897,594,847 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/731766/000073176626000197/unh-20260630.htm",
    "period_end": "2026-07-31",
    "accession": "0000731766-26-000197",
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000197/R1.htm"
   },
   "depositary_ratio": {
    "value": 1.0,
    "unit": "underlying shares per traded unit",
    "status": "domestic",
    "source": "10-K filer; SEC shares are the traded units",
    "evidence_url": null,
    "evidence_form": null,
    "evidence_filed": null,
    "body_snippet": null
   },
   "formula": "market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used",
   "split_adjustment": null,
   "share_count_as_of": "2026-07-31",
   "share_count_age_days_at_price_date": 91,
   "warning": null,
   "computed": "406.97 (price 2026-10-30) / 1 x 897,594,847 (shares at 2026-07-31) = 365,294,174,884"
  }
 },
 "scores": {
  "graham": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "magic_formula": {
   "score": null,
   "status": "not scored",
   "summary": "Not scored: not scored.",
   "warnings": [],
   "components": []
  },
  "momentum": {
   "score": 64.5,
   "status": "ok",
   "complete": true,
   "passes_all": null,
   "summary": "Momentum: 64 of 100 (ok). 12-1 month return: 9.3 % \u2192 27.2/50; 6 month return: 11.2 % \u2192 12.8/20; Price / 52-week high: 0.938 \u2192 14.1/15; Volatility penalty (60d annualised): 23.0 % \u2192 10.5/15",
   "data_as_of": "2026-10-30",
   "history": [
    null,
    null
   ],
   "price_as_of": "2026-10-30",
   "coverage": null,
   "verification": null,
   "warnings": [],
   "components": [
    {
     "name": "12-1 month return",
     "value": 9.3,
     "unit": "%",
     "percentile": 54.3,
     "points": 27.2,
     "max": 50
    },
    {
     "name": "6 month return",
     "value": 11.2,
     "unit": "%",
     "percentile": 63.8,
     "points": 12.8,
     "max": 20
    },
    {
     "name": "Price / 52-week high",
     "value": 0.938,
     "points": 14.1,
     "max": 15
    },
    {
     "name": "Volatility penalty (60d annualised)",
     "value": 23.0,
     "unit": "%",
     "points": 10.5,
     "max": 15
    }
   ],
   "rules_url": "https://theclaudetrader.com/p/momentum"
  },
  "insider": {
   "score": 0.0,
   "status": "ok",
   "complete": true,
   "passes_all": null,
   "summary": "Insider: 0 of 100 (ok). Open-market buy value / market cap (percentile among buyers): 0.0 bp \u2192 0.0/35; Distinct buyers: 0 \u2192 0.0/25; Buyer seniority: 0.0 \u2192 0.0/20; Recency (half-life 30d): 0.0 \u2192 0.0/10; Sales penalty (excludes 10b5-1 plan sales): 0.02 bp \u2192 -0.6/0",
   "data_as_of": "2026-10-30",
   "history": [
    null,
    null
   ],
   "price_as_of": null,
   "coverage": {
    "window_start": "2026-08-02",
    "through": "2026-10-30",
    "missing_days": 1,
    "note": "Form 4 data loaded through 2026-10-30"
   },
   "verification": null,
   "warnings": [],
   "components": [
    {
     "name": "Open-market buy value / market cap (percentile among buyers)",
     "value": 0.0,
     "unit": "bp",
     "points": 0.0,
     "max": 35
    },
    {
     "name": "Distinct buyers",
     "value": 0,
     "points": 0.0,
     "max": 25
    },
    {
     "name": "Buyer seniority",
     "value": 0.0,
     "points": 0.0,
     "max": 20
    },
    {
     "name": "Recency (half-life 30d)",
     "value": 0.0,
     "points": 0.0,
     "max": 10
    },
    {
     "name": "Sales penalty (excludes 10b5-1 plan sales)",
     "value": 0.02,
     "unit": "bp",
     "points": -0.6,
     "max": 0
    }
   ],
   "rules_url": "https://theclaudetrader.com/p/insider"
  },
  "buffett": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "lynch": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "graham_enterprising": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "piotroski": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  }
 },
 "inputs_by_philosophy": {
  "graham": [],
  "magic_formula": [],
  "momentum": [
   {
    "name": "Adjusted close series (14 months)",
    "value": 406.97,
    "kind": "price",
    "source": "Yahoo Finance / Alpaca Market Data daily history",
    "url": null,
    "period": "2026-10-30",
    "age_days": 1,
    "stale": false
   }
  ],
  "insider": [
   {
    "name": "Form 4 S Conway Patrick Hugh 2026-08-21",
    "value": 455910.0,
    "shares": 1169.0,
    "price": 390.0,
    "role": "CEO",
    "period": "2026-08-21",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000201/"
   },
   {
    "name": "Form 4 S Conway Patrick Hugh 2026-08-05",
    "value": 205000.0,
    "shares": 500.0,
    "price": 410.0,
    "role": "CEO",
    "period": "2026-08-05",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000196/"
   }
  ],
  "buffett": [],
  "lynch": [],
  "graham_enterprising": [],
  "piotroski": []
 },
 "earnings_record": {
  "net_income_by_fy": [
   {
    "fy": 2013,
    "period_end": "2013-12-31",
    "sec_frame": "CY2013",
    "value": 5625000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176616000058/",
    "accession": "0000731766-16-000058"
   },
   {
    "fy": 2014,
    "period_end": "2014-12-31",
    "sec_frame": "CY2014",
    "value": 5619000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176617000009/",
    "accession": "0000731766-17-000009"
   },
   {
    "fy": 2015,
    "period_end": "2015-12-31",
    "sec_frame": "CY2015",
    "value": 5813000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176618000005/",
    "accession": "0000731766-18-000005"
   },
   {
    "fy": 2016,
    "period_end": "2016-12-31",
    "sec_frame": "CY2016",
    "value": 7017000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176619000005/",
    "accession": "0000731766-19-000005"
   },
   {
    "fy": 2017,
    "period_end": "2017-12-31",
    "sec_frame": "CY2017",
    "value": 10558000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176620000006/",
    "accession": "0000731766-20-000006"
   },
   {
    "fy": 2018,
    "period_end": "2018-12-31",
    "sec_frame": "CY2018",
    "value": 11986000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176621000013/",
    "accession": "0000731766-21-000013"
   },
   {
    "fy": 2019,
    "period_end": "2019-12-31",
    "sec_frame": "CY2019",
    "value": 13839000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176622000008/",
    "accession": "0000731766-22-000008"
   },
   {
    "fy": 2020,
    "period_end": "2020-12-31",
    "sec_frame": "CY2020",
    "value": 15403000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176623000008/",
    "accession": "0000731766-23-000008"
   },
   {
    "fy": 2021,
    "period_end": "2021-12-31",
    "sec_frame": "CY2021",
    "value": 17285000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176624000081/",
    "accession": "0000731766-24-000081"
   },
   {
    "fy": 2022,
    "period_end": "2022-12-31",
    "sec_frame": "CY2022",
    "value": 20120000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176625000063/",
    "accession": "0000731766-25-000063"
   },
   {
    "fy": 2023,
    "period_end": "2023-12-31",
    "sec_frame": "CY2023",
    "value": 22381000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062"
   },
   {
    "fy": 2024,
    "period_end": "2024-12-31",
    "sec_frame": "CY2024",
    "value": 14405000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062"
   },
   {
    "fy": 2025,
    "period_end": "2025-12-31",
    "sec_frame": "CY2025",
    "value": 12056000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062"
   }
  ],
  "eps_diluted_by_fy": [
   {
    "fy": 2013,
    "period_end": "2013-12-31",
    "sec_frame": "CY2013",
    "value": 5.5,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176616000058/",
    "accession": "0000731766-16-000058",
    "value_reported": 5.5,
    "split_factor": 1.0,
    "split_basis": "filed between 2016-01-29 and 2016-05-28"
   },
   {
    "fy": 2014,
    "period_end": "2014-12-31",
    "sec_frame": "CY2014",
    "value": 5.7,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176617000009/",
    "accession": "0000731766-17-000009",
    "value_reported": 5.7,
    "split_factor": 1.0,
    "split_basis": "filed between 2017-01-31 and 2017-05-31"
   },
   {
    "fy": 2015,
    "period_end": "2015-12-31",
    "sec_frame": "CY2015",
    "value": 6.01,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176618000005/",
    "accession": "0000731766-18-000005",
    "value_reported": 6.01,
    "split_factor": 1.0,
    "split_basis": "filed between 2018-01-31 and 2018-05-31"
   },
   {
    "fy": 2016,
    "period_end": "2016-12-31",
    "sec_frame": "CY2016",
    "value": 7.25,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176619000005/",
    "accession": "0000731766-19-000005",
    "value_reported": 7.25,
    "split_factor": 1.0,
    "split_basis": "filed between 2019-01-31 and 2019-05-31"
   },
   {
    "fy": 2017,
    "period_end": "2017-12-31",
    "sec_frame": "CY2017",
    "value": 10.72,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176620000006/",
    "accession": "0000731766-20-000006",
    "value_reported": 10.72,
    "split_factor": 1.0,
    "split_basis": "filed between 2020-01-31 and 2020-05-30"
   },
   {
    "fy": 2018,
    "period_end": "2018-12-31",
    "sec_frame": "CY2018",
    "value": 12.19,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176621000013/",
    "accession": "0000731766-21-000013",
    "value_reported": 12.19,
    "split_factor": 1.0,
    "split_basis": "filed 2021-03-01"
   },
   {
    "fy": 2019,
    "period_end": "2019-12-31",
    "sec_frame": "CY2019",
    "value": 14.33,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176622000008/",
    "accession": "0000731766-22-000008",
    "value_reported": 14.33,
    "split_factor": 1.0,
    "split_basis": "filed 2022-02-15"
   },
   {
    "fy": 2020,
    "period_end": "2020-12-31",
    "sec_frame": "CY2020",
    "value": 16.03,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176623000008/",
    "accession": "0000731766-23-000008",
    "value_reported": 16.03,
    "split_factor": 1.0,
    "split_basis": "filed 2023-02-24"
   },
   {
    "fy": 2021,
    "period_end": "2021-12-31",
    "sec_frame": "CY2021",
    "value": 18.08,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176624000081/",
    "accession": "0000731766-24-000081",
    "value_reported": 18.08,
    "split_factor": 1.0,
    "split_basis": "filed 2024-02-28"
   },
   {
    "fy": 2022,
    "period_end": "2022-12-31",
    "sec_frame": "CY2022",
    "value": 21.18,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176625000063/",
    "accession": "0000731766-25-000063",
    "value_reported": 21.18,
    "split_factor": 1.0,
    "split_basis": "filed 2025-02-27"
   },
   {
    "fy": 2023,
    "period_end": "2023-12-31",
    "sec_frame": "CY2023",
    "value": 23.86,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062",
    "value_reported": 23.86,
    "split_factor": 1.0,
    "split_basis": "filed 2026-03-02"
   },
   {
    "fy": 2024,
    "period_end": "2024-12-31",
    "sec_frame": "CY2024",
    "value": 15.51,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062",
    "value_reported": 15.51,
    "split_factor": 1.0,
    "split_basis": "filed 2026-03-02"
   },
   {
    "fy": 2025,
    "period_end": "2025-12-31",
    "sec_frame": "CY2025",
    "value": 13.23,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062",
    "value_reported": 13.23,
    "split_factor": 1.0,
    "split_basis": "filed 2026-03-02"
   }
  ],
  "revenue_by_fy": [
   {
    "fy": 2013,
    "period_end": "2013-12-31",
    "sec_frame": "CY2013",
    "value": 122489000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176616000058/",
    "accession": "0000731766-16-000058"
   },
   {
    "fy": 2014,
    "period_end": "2014-12-31",
    "sec_frame": "CY2014",
    "value": 130474000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176617000009/",
    "accession": "0000731766-17-000009"
   },
   {
    "fy": 2015,
    "period_end": "2015-12-31",
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    "value": 157107000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176618000005/",
    "accession": "0000731766-18-000005"
   },
   {
    "fy": 2016,
    "period_end": "2016-12-31",
    "sec_frame": "CY2016",
    "value": 184840000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176619000005/",
    "accession": "0000731766-19-000005"
   },
   {
    "fy": 2017,
    "period_end": "2017-12-31",
    "sec_frame": "CY2017",
    "value": 201159000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176620000006/",
    "accession": "0000731766-20-000006"
   },
   {
    "fy": 2018,
    "period_end": "2018-12-31",
    "sec_frame": "CY2018",
    "value": 226247000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176621000013/",
    "accession": "0000731766-21-000013"
   },
   {
    "fy": 2019,
    "period_end": "2019-12-31",
    "sec_frame": "CY2019",
    "value": 242155000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176622000008/",
    "accession": "0000731766-22-000008"
   },
   {
    "fy": 2020,
    "period_end": "2020-12-31",
    "sec_frame": "CY2020",
    "value": 257141000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176623000008/",
    "accession": "0000731766-23-000008"
   },
   {
    "fy": 2021,
    "period_end": "2021-12-31",
    "sec_frame": "CY2021",
    "value": 287597000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176624000081/",
    "accession": "0000731766-24-000081"
   },
   {
    "fy": 2022,
    "period_end": "2022-12-31",
    "sec_frame": "CY2022",
    "value": 324162000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176625000063/",
    "accession": "0000731766-25-000063"
   },
   {
    "fy": 2023,
    "period_end": "2023-12-31",
    "sec_frame": "CY2023",
    "value": 371622000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062"
   },
   {
    "fy": 2024,
    "period_end": "2024-12-31",
    "sec_frame": "CY2024",
    "value": 400278000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062"
   },
   {
    "fy": 2025,
    "period_end": "2025-12-31",
    "sec_frame": "CY2025",
    "value": 447567000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000062/",
    "accession": "0000731766-26-000062"
   }
  ],
  "dividend_years": [
   1990,
   1991,
   1992,
   1993,
   1994,
   1995,
   1996,
   1997,
   1998,
   1999,
   2000,
   2001,
   2002,
   2003,
   2004,
   2005,
   2006,
   2007,
   2008,
   2009,
   2010,
   2011,
   2012,
   2013,
   2014,
   2015,
   2016,
   2017,
   2018,
   2019,
   2020,
   2021,
   2022,
   2023,
   2024,
   2025,
   2026
  ]
 },
 "insider_activity": {
  "coverage_through": "2026-10-30",
  "window_start": "2026-08-02",
  "missing_days": 1,
  "recent_transactions": [
   {
    "txn_date": "2026-08-21",
    "insider_name": "Conway Patrick Hugh",
    "role": "CEO",
    "code": "S",
    "shares": 1169.0,
    "price": 390.0,
    "value": 455910.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000201/"
   },
   {
    "txn_date": "2026-08-05",
    "insider_name": "Conway Patrick Hugh",
    "role": "CEO",
    "code": "S",
    "shares": 500.0,
    "price": 410.0,
    "value": 205000.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000196/"
   },
   {
    "txn_date": "2026-04-23",
    "insider_name": "Conway Patrick Hugh",
    "role": "CEO",
    "code": "S",
    "shares": 800.0,
    "price": 355.0,
    "value": 284000.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/731766/000073176626000123/"
   }
  ]
 },
 "filings_and_news": {
  "sec_filing_index": "https://www.sec.gov/edgar/browse/?CIK=0000731766",
  "sec_8k": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000731766&type=8-K",
  "sec_form4": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000731766&type=4",
  "xbrl_companyfacts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000731766.json",
  "news_items": [],
  "note": "Press releases are filed as 8-K exhibits; the 8-K link lists them with dates."
 },
 "peer_context": {
  "graham": {
   "industry": "Hospital & Medical Service Plans",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "magic_formula": {
   "industry": "Hospital & Medical Service Plans",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "momentum": {
   "industry": "Hospital & Medical Service Plans",
   "scored_peers": 5,
   "rank": 4,
   "median": 72.3,
   "top_peers": [
    {
     "ticker": "CNC",
     "score": 84.2
    },
    {
     "ticker": "HUM",
     "score": 78.6
    },
    {
     "ticker": "ELV",
     "score": 72.3
    },
    {
     "ticker": "UNH",
     "score": 64.5
    },
    {
     "ticker": "CI",
     "score": 61.7
    }
   ]
  },
  "insider": {
   "industry": "Hospital & Medical Service Plans",
   "scored_peers": 5,
   "rank": 1,
   "median": 0.0,
   "top_peers": [
    {
     "ticker": "CI",
     "score": 0.0
    },
    {
     "ticker": "CNC",
     "score": 0.0
    },
    {
     "ticker": "ELV",
     "score": 0.0
    },
    {
     "ticker": "HUM",
     "score": 0.0
    },
    {
     "ticker": "UNH",
     "score": 0.0
    }
   ]
  },
  "buffett": {
   "industry": "Hospital & Medical Service Plans",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "lynch": {
   "industry": "Hospital & Medical Service Plans",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "graham_enterprising": {
   "industry": "Hospital & Medical Service Plans",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "piotroski": {
   "industry": "Hospital & Medical Service Plans",
   "scored_peers": 0,
   "rank": null,
   "median": null
  }
 },
 "dossier": null,
 "external_views_link_only": {
  "morningstar": "https://www.morningstar.com/search?query=UNH",
  "finviz": "https://finviz.com/quote.ashx?t=UNH",
  "stockanalysis": "https://stockanalysis.com/stocks/unh/",
  "seeking_alpha": "https://seekingalpha.com/symbol/UNH",
  "openinsider": "http://openinsider.com/search?q=UNH",
  "google_news": "https://news.google.com/rss/search?q=UNH+stock"
 },
 "limits": [
  "Graham Defensive: not scored (financial)",
  "Magic Formula: not scored",
  "Buffett Quality: not scored (financial)",
  "Lynch GARP: not scored (financial)",
  "Graham Enterprising: not scored (financial)",
  "Piotroski F-Score: not scored (financial)",
  "News is not collected for this ticker; use the SEC 8-K and press-release links below"
 ],
 "machine_readable": {
  "stock_json": "https://theclaudetrader.com/s/UNH.json",
  "stock_md": "https://theclaudetrader.com/s/UNH.md",
  "packet": "https://theclaudetrader.com/r/UNH.json",
  "grid": "https://theclaudetrader.com/grid.json",
  "openapi": "https://theclaudetrader.com/openapi.json",
  "index": "https://theclaudetrader.com/llms.txt"
 },
 "cite_as": "The Claude Trader snapshot 2026-10-31, https://theclaudetrader.com/s/UNH; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-30.",
 "disclaimer": "Scores are deterministic rule outputs from public filings. fair_value_model is a labelled model estimate from the same filings (method at /fair-value), not an opinion or recommendation."
}