$407.46+0.58% today
- 5Y
- -1.00%
- $10K became
- $9,900
UNH vs SPY
Total return with dividends reinvested · 5Y
UNH
SPY
$754.37-0.36% today
- 5Y
- +72.62%
- $10K became
- $17,262
Return and risk 5Y
| Ticker | $10K became | Total | Per year | Volatility | Worst drop | Off high now | Best year | Worst year | Years up | Corr. with UNH |
|---|---|---|---|---|---|---|---|---|---|---|
| UNH | $9,900 | -1.00% | -0.20% | 32.2% | -61.38% | -31.62% | +6.92% 2022 | -32.92% 2025 | 50% | — |
| SPY | $17,262 | +72.62% | +11.55% | 17.3% | -24.49% | -3.17% | +26.73% 2023 | -18.64% 2022 | 75% | 0.21 |
UNH
- $10K became
- $9,900
- Total
- -1.00%
- Per year
- -0.20%
- Volatility
- 32.2%
- Worst drop
- -61.38%
- Off high now
- -31.62%
- Best year
- +6.92% 2022
- Worst year
- -32.92% 2025
SPY
- $10K became
- $17,262
- Total
- +72.62%
- Per year
- +11.55%
- Volatility
- 17.3%
- Worst drop
- -24.49%
- Off high now
- -3.17%
- Best year
- +26.73% 2023
- Worst year
- -18.64% 2022
Per year: compound annual growth rate, needs a year of history. Volatility: yearly spread of daily returns. Best and worst years: full calendar years only.
Drawdown from peak 5Y
0%-35%-70%
2021-112026-11
Correlation of daily returns
UNHSPYUNH1.000.21SPY0.211.00
1 moves together, 0 unrelated, negative moves opposite. Lower means more diversification.
Trailing returns up to 5 years
| Ticker | 1Y | 2Y | 3Y | 5Y |
|---|---|---|---|---|
| UNH | — | — | — | — |
| SPY | — | — | — | — |
Calendar-year returns best each year in bold
| Year | UNH | SPY |
|---|---|---|
| No full years in this range yet. | ||
More comparisons
About this comparison
Summary, desk note and 6 common questions.
UnitedHealth Group Incorporated (UNH) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: UNH -1.00%, SPY +72.62%. As of Nov 13, 2026. Research only.
UnitedHealth Group (UNH) closed at $405.1, up 1.89% on 2026‑11‑10. The health‑care giant carries a forward P/E of 19.58, a 2.24% dividend yield and a quality score of 53.14, reflecting its “Dividend Compounder (blended)” archetype. Over the past five years its total‑return overlay—dividends and splits included—has slipped ‑3.0%, a stark contrast to broader market gains. The SPDR S&P 500 ETF (SPY) finished the same session at $749.9, down 0.37%. Tracking the large‑cap index, SPY posts a 5‑year total‑return overlay of +73.0%, driven by both price appreciation and regular distributions. Its balanced archetype and a quality score of 53.40 underscore a broad‑market exposure rather than single‑company fundamentals. UNH’s signal card flags it as a Dividend Compounder, while SPY is classified as Balanced; readers can open the individual stock pages for full overlay methodology.
What does the UNH vs SPY overlay show?
LOPJLB overlays UNH vs SPY as total return (dividends and splits) from the first adjusted close in the selected 5Y window. Each path starts at 0% so you can read relative holding performance, not raw tape price.
Is this holding return or tape close?
Holding return. The series uses split- and dividend-adjusted close (Yahoo-style backward adjustment) when dividend coverage is sufficient, otherwise it falls back to tape close. Candles and technical overlays on /chart stay tape.
Which windows are public?
Public visitors can share 1M, 3M, 6M, YTD, 1Y, and 5Y. MAX is Research+. Direction and regime in the table follow the desk ladder: SPY25 on Free, full book on Essential+.
How do I read the drawdown, period, and annual tables?
Drawdowns are current and worst peak-to-trough on the visible range. Periods are calendar lookbacks (1Y / 2Y / 3Y / 5Y, plus 10Y on MAX) from the last bar. Annual is calendar-year holding return, with the latest year labeled YTD.
How has UNH vs SPY performed on a normalized basis?
UNH vs SPY holding-return overlay: 5Y UNH -1.00% · SPY +72.62%; worst drawdown UNH -61.38% · SPY -24.49%; YTD UNH +23.51% · SPY +11.29%. Numbers update from the live compare-series book.
Is ticker compare investment advice?
No. The overlay is research context only — not a recommendation to buy or sell any security.