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@fitz_keith x.com/i/grok/share/c…

Buy, sell or hold $UNH? UnitedHealth Group reported this morning, and the numbers were decent.  • Adjusted EPS came in at $6.38 vs. $4.90 expected — a big beat • Revenue hit $112.03 billion vs. $110.85 billion expected • Medical benefit ratio: 86.7% vs. 88.5% expected — the better this number, the more profitable the insurer • Full-year earnings outlook raised to $19.50–$20 per share, up from more than $18.25 Two quarters in a row now the company has put up strong numbers. I warned you to steer clear of UNH back in April 2025 for several reasons including a CEO bailing for "personal reasons," the first earnings miss since 2008, the Medicare Advantage margin squeeze, and the federal billing fraud investigation. All of it played out exactly as advertised - shares dropped hard in the aftermath. Now, two good quarters back-to-back is real progress, but even UnitedHealth calls this a 'multi-year journey,' not a finished turnaround. Shares are up ~74% from a $255.97 low earlier this year. Time for a rethink? 🤔 Perhaps but here’s what I actually “think”… Medical costs are still 'elevated over historical levels' by their own admission. Membership keeps shrinking too, with roughly 500,000 ACA exchange members and 1.1 million Medicare Advantage members expected to walk this year. Then there's the DOJ investigation into Medicare billing which is still open. UnitedHealth says it remains 'supportive' of the probe, which strikes me as code speak for “hey, we’re putting on a bright smile for appearances.” Trade idea: Putskies, short, or simply avoid until the stock can sustain $500 a share for a few quarters and earnings a few quarters more still. Better yet, just focus on buying the best and ignoring the rest. I think there are plenty of other companies out there with what I believe to be clearer, bigger profit potential and dramatically less baggage.

Turn old denim jeans into a stylish crossbody bag in 3 easy steps! #UpCycle

Just caught the indie band’s live show at the small venue—raw vocals, tight guitar riffs, and the crowd singing along till the lights went up. Absolute perfect night of live music!

Had a quick coffee with an old classmate today—no fancy plans, just good laughs and catching up on life. These small moments hit different.

Cozy Saturday night in: warm blanket, my favorite tea, and a silly show – perfect little reset

Treat your taste buds to authentic Tokyo-style miso butter ramen—creamy umami broth, chewy noodles, and a hint of garlic that hits different!

Late night craving Our warm miso ramen u0026 pickles hit different at 11 PM only here. No rush, just comfort.

A warm buttery croty just pulled from the oven—crisp crust, soft inside, and that perfect melt when you take the first bite. Food bliss in 10 seconds.

Fresh snacks u0026 cold drinks restocked at 7-Eleven! Perfect for your commute or weekend snack run — grab yours today

Just finished a custom woven plant hanger with thrifted cotton rope Perfect for suspending my pothos and adding a cozy handmade touch to my small apartment!，

Just had the absolute best time at today's comic con—met amazing creators, scored exclusive merch, and even snagged a quick pic with the lead cosplayer! Can't wait for next year!

Want to try something new this weekend Pick up watercolor painting—no fancy skills needed, just fun moments and colorful works waiting for you! #InterestDevelopment，

Craving bold new flavors Try Korean-inspired spicy pork bulgogi bowls—sweet, savory, and a little fiery, perfect for a cozy weeknight meal!

Just finished a mind-blowing 4-hour murder mystery剧本杀！Clue-hunting, lie-spotting, and the final twist had my brain buzzing nonstop—best group game night pick-up lately!

Just unearthed the BEST salted egg yolk crispy crackers—crunchy, umami-packed, and way too moreish. Sharing the joy of good snacks Tag a friend who needs this in their snack stash!，

Our next-door neighbor brought me homemade lemon tarts today—so sweet and sunny! Spending time with neighbors makes this neighborhood feel like home. ，

Craving late-night vibes Crunchy fried squid skewers with spicy sauce hit different! #StreetFoodJoy

Thanksgiving special: Roast turkey with cranberry sauce u0026 pumpkin pie! Grab your seasonal feast before it’s gone – only at our cafe!，