SoFi is firing on all cylinders and UnitedHeath is showing signs of recovery. Despite satisfactory performance from both, I think they are "hold" at the current levels.
Great anlysis on the UNH situation. I think you're spot-on about the MCR peaking below 90% - that's the inflection point everyone's been waiting for. The repricing for 2026 should help a lot, but I'm a bit worried that medical inflation might stay elevated longer than poeple expect, especially if we get wage pressures in healthcare. The other thing that's intersting is how they're basically the only player efficient enough to absorb those 2.7M members that other insurers dropped. That kind of scale advantage is underappreciated imo. I agree with the hold rating, but if we get any kind of pullback below $320 I'd definitely be adding more.
I bought UNH at 267$, and your posts were an important part of the decision, thanks for you contribution
Glad that I could help!
Great anlysis on the UNH situation. I think you're spot-on about the MCR peaking below 90% - that's the inflection point everyone's been waiting for. The repricing for 2026 should help a lot, but I'm a bit worried that medical inflation might stay elevated longer than poeple expect, especially if we get wage pressures in healthcare. The other thing that's intersting is how they're basically the only player efficient enough to absorb those 2.7M members that other insurers dropped. That kind of scale advantage is underappreciated imo. I agree with the hold rating, but if we get any kind of pullback below $320 I'd definitely be adding more.