UnitedHealth Group (NYSE:UNH) Q4 2025 Earnings call January 27, 2026 08:00 AM ET Company ParticipantsA.J. Rice - Managing DirectorKristen Gil - COOPatrick Conway - CEOStephen Hemsley - Chairman and CEOTim Noel - CEOWayne DeVeydt - CFONone - Company RepresentativeConference Call ParticipantsJosh Raskin - AnalystJustin Lake - AnalystKevin Fishbeck - AnalystLisa Gill - AnalystScott Fidel - AnalystStephen Baxter - Senior Equity Research AnalystOperatorGood morning and welcome to the UnitedHealth Group Fourth Qu ...