{
  "ticker": "UNH",
  "financials": {
    "2023": {
      "Income Statement": {
        "Revenue": 422.23,
        "COGS": 367.07,
        "Gross Profit": 55.16,
        "Operating Expenses": 33.92,
        "EBITDA": 21.24,
        "EBIT": 0.13,
        "Net Income": 0.09
      },
      "Balance Sheet": {
        "Cash & Equivalents": 63.34,
        "Total Assets": 329.51,
        "Total Debt": 31.39,
        "Total Liabilities": 68.09,
        "Total Equity": 261.42
      },
      "Cash Flow": {
        "Operating Cash Flow": 21.2,
        "CapEx": 16.89,
        "Free Cash Flow": 4.31
      },
      "Ratios": {
        "Gross Margin": 0.1306,
        "EBITDA Margin": 0.0503,
        "Net Margin": 0.0002,
        "Leverage (Debt/EBITDA)": 1.48
      }
    },
    "2024": {
      "Income Statement": {
        "Revenue": 462.53,
        "COGS": 388.82,
        "Gross Profit": 73.71,
        "Operating Expenses": 44.34,
        "EBITDA": 29.37,
        "EBIT": 6.25,
        "Net Income": 4.2
      },
      "Balance Sheet": {
        "Cash & Equivalents": 69.38,
        "Total Assets": 358.97,
        "Total Debt": 47.0,
        "Total Liabilities": 85.88,
        "Total Equity": 273.09
      },
      "Cash Flow": {
        "Operating Cash Flow": 27.32,
        "CapEx": 18.5,
        "Free Cash Flow": 8.82
      },
      "Ratios": {
        "Gross Margin": 0.1594,
        "EBITDA Margin": 0.0635,
        "Net Margin": 0.0091,
        "Leverage (Debt/EBITDA)": 1.6
      }
    },
    "2025": {
      "Income Statement": {
        "Revenue": 506.67,
        "COGS": 431.97,
        "Gross Profit": 74.7,
        "Operating Expenses": 46.73,
        "EBITDA": 27.97,
        "EBIT": 2.64,
        "Net Income": 1.77
      },
      "Balance Sheet": {
        "Cash & Equivalents": 76.0,
        "Total Assets": 394.13,
        "Total Debt": 32.03,
        "Total Liabilities": 75.22,
        "Total Equity": 318.9
      },
      "Cash Flow": {
        "Operating Cash Flow": 27.1,
        "CapEx": 20.27,
        "Free Cash Flow": 6.84
      },
      "Ratios": {
        "Gross Margin": 0.1474,
        "EBITDA Margin": 0.0552,
        "Net Margin": 0.0035,
        "Leverage (Debt/EBITDA)": 1.15
      }
    }
  },
  "audit_trail": {
    "model_version": "FinGPT-v4.2",
    "timestamp": "2026-02-19T03:25:07.152147",
    "data_cutoff": "2025-10-31",
    "compliance_check": "PASS",
    "auditor_id": "AUDIT-8508",
    "confidence_score": 0.937,
    "audit_id": "735a4eba-2ebe-4f1a-8fb3-51bb5f31f9a1",
    "data_hash": "bf15cfac99d53ea6"
  }
}