10 Best Roth IRA Stocks to Buy According to Analysts

3. UnitedHealth Group Incorporated (NYSE:UNH)

Analysts Upside Potential: 21.8%

UnitedHealth Group Incorporated (NYSE:UNH) is an American health insurance company. Its diverse business model, which includes health insurance, pharmacy benefits management, and healthcare services, positions it for sustained growth. This integrated approach strengthens cross-selling opportunities and improves the efficiency of care delivery. The stock has surged by nearly 3% since the start of 2025.

Analysts highlighted the company’s success in reducing its operating cost ratio, thanks to strategic portfolio adjustments, which support long-term profitability. In 2024, the ratio declined to 13.2% from 14.7% in the previous year.

For fiscal 2024, UnitedHealth Group Incorporated (NYSE:UNH) exceeded investor expectations, with revenue rising 8% to $400 billion, driven by growth across its service segments. Operating earnings reached $32.3 billion, but after adjusting for cyberattack-related expenses and challenges in South America, adjusted earnings stood at $34.4 billion.

UnitedHealth Group Incorporated (NYSE:UNH) maintained strong cash flow, aligning with investor expectations. It generated $24.2 billion in operating cash flow, equivalent to 1.6 times its net income. Over the year, the company returned more than $16 billion to shareholders through dividends and stock buybacks. In the fourth quarter, the return on equity was 23.7%, underscoring its solid earnings performance and effective capital management. It offers a quarterly dividend of $2.10 per share and has a dividend yield of 1.63%, as of March 23. It is one of the best Roth IRA stocks on our list as the company has been making regular payments since 2010.