# 美銀將聯合健康集團評級從中立調升至買入，並將目標價從420美元調高至450美元，隱含19%上漲空間。

*business · news · 2026-06-04 · CNBC*

## Key points

- 美銀將聯合健康評級調升至買入，並將目標價調高至每股450美元。
- 聯合健康的盈利能力現已比先前2026年展望高出50%。
- 近期策略行動包括縮減會員數、出售Optum英國業務及投資人工智慧。
- 聯合健康預計2028年每股盈餘將超過26美元，高出市場共識估計最多10%。
- Optum Health持續收購醫師團體，是推動利潤率進一步成長的主要動力。

UnitedHealth Group is on track to continue outperforming on earnings as its corporate strategy shift begins to show signs of paying off, likely giving its shares a nice boost, according to Bank of America. The bank upgraded the health insurer to buy from neutral. It also raised its price target on shares to $450 from $420, implying 19% upside from Wednesday's close. UnitedHealth group shares are up 3% in premarket trading. "Incoming data points make it more difficult to believe that the strong Q1 was purely a function of weak flu and storms," analyst Kevin Fischbeck said Thursday in a note to clients. "We maintain a more bullish view in the near term given the potential earnings power that UNH has versus its 2026 guidance." Shares of UnitedHealth have jumped nearly 26% over the past year as the company has executed its sweeping strategy to improve its margins . Under that plan, the firm has shrunk membership, sold the U.K. arm of its tech-driven Optum healthcare delivery unit and invested in artificial intelligence, among other moves. UnitedHealth's earnings power is now 50% above its previously stated outlook for 2026 — a fact that should drive upside to shares, according to Bank of America. The company has forecasted that it could hit the low end of its target margins at all of its businesses by 2028, likely putting its earnings per share north of $26, or between 5% and 10% above the Street's consensus estimate, the analyst said. The growth of Optum Health, which has deepened its push to acquire physician groups and clinics, is one catalyst that could bolster that bottom-line growth, Fischbeck noted. "At that point, UNH is likely still well positioned to grow EPS at least 13-16% for the next few years given that Optum Health … would still have room to improve margins back to the midpoint of target, and UNH will start to pivot to membership growth in the other businesses once it hits its subsegment margin target," he wrote. Bank of America's call is in line with consensus on the Street. Of the 30 analysts covering UnitedHealth, 23 have a buy or strong buy on the stock, LSEG data shows.

**Companies:** UnitedHealth Group
**Countries:** United States, United Kingdom

[Read the full story on CNBC](https://www.cnbc.com/2026/06/04/unitedhealth-to-rise-on-successful-strategy-bank-of-america-says.html)

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