UAL
United Airlines Holdings, Inc.Evidence as of 2026-09-03Overview · United Airlines Holdings, Inc.
United Airlines Holdings, Inc., through its subsidiaries, provides air transportation services in North America, Asia, Europe, Africa, the Pacific, the Middle East, and Latin America. The company transports people and cargo through its mainline and regional fleets. It also offers catering, ground handling, training, and maintenance services for third parties. The company was formerly known as United Continental Holdi…
Management team
- Ms. E. Anna Ha · Assistant General Counsel & Corporate SecretaryFind on LinkedIn
- Ms. Pamela S. Hendry · VP & TreasurerFind on LinkedIn
- Ms. Theresa M. Fariello · Executive VP of Government Affairs & Global Public PolicyFind on LinkedIn
- Ms. Maria Deacon · Senior VP of Technical OperationsFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
−0.1 on a −2 to +2 scale — was −0.0 before the debate changed the read.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The desk’s surviving record is mixed (evidence balance: Mixed, -0.1 of a possible +2; confidence high). Revenues rose from $13,213,000,000 in Q1 2025 (fiscal quarter ended 2025-04-10) to $15,236,000,000 in Q2 2025 (fiscal quarter ended 2025-07-10), held near $15,225,000,000 in Q3 2025 (fiscal quarter ended 2025-10-09), dipped to $14,608,000,000 in Q1 2026 (fiscal quarter ended 2026-04-16) and reached $17,672,000,000 in Q2 2026 (fiscal quarter ended 2026-07-09). Operating income and net income tracked the same quarters: operating income ranged from $607,000,000 to $1,395,000,000 and three-month net income ranged from $387,000,000 to $973,000,000 across the reported periods.
Balance-sheet and valuation cites survived: cash and cash equivalents were reported at $10,166,000,000 as of 30 June 2026, long-term debt at $11,492,000,000, trailing twelve‑month free cash flow was $8,385,000,000 (FCF per share $25.6736) and headline multiples include P/FCF 4.22, EV/EBITDA 4.68 and P/E TTM 10.35; the desk’s model implied an FCF shrinkage of about -24.81% under its stated assumptions. Market signals are mixed-to-elevated: 12_1 momentum is +56.8% (83rd percentile), shorter-horizon momentum is weaker, 30– and 90‑day volatility are elevated (42.8% and 49.0%), beta versus SPY is 2.14, and the technical state shows a golden_cross while price sits about -11.6% versus the 50‑day and +0.2% versus the 200‑day.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenue for the fiscal quarters shown moved from $13,213,000,000 in the quarter ended 31 March 2025 to $15,236,000,000 in the quarter ended 30 June 2025, $15,225,000,000 in the quarter ended 30 September 2025, $14,608,000,000 in the quarter ended 31 March 2026, and $17,672,000,000 in the quarter ended 30 June 2026.
XBRL companyfacts · 0000100517-25-000091Operating income (3-month periods reported) was $607,000,000 for the quarter ended 31 March 2025 (period labelled Q1 2026 in that filing), $1,325,000,000 for the quarter ended 30 June 2025, $1,395,000,000 for the quarter ended 30 September 2025, $997,000,000 for the quarter ended 31 March 2026, and $1,096,000,000 for the quarter ended 30 June 2026.
XBRL companyfacts · 0000100517-26-000091Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
A Form 4 (insider transaction report) bearing the 4 filed 21 August 2026 was filed on 2026-08-21 (parse_status: skipped).
4 filed 2026-08-21A Form 4 (insider transaction report) bearing the 4 filed 27 August 2026 was filed on 2026-08-27 (parse_status: skipped).
4 filed 2026-08-27Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
Momentum measured as 12_1 is +56.8% and ranks in the 83th percentile of the 547-stock research universe on 2026-09-02.
Moneyta signal set · 2026-09-02weakened in debateShorter-horizon momentum is mixed: momentum_6m is +7.8% (ranked 52th percentile of 547) and momentum_3m is +3.1% on 2026-09-02.
Moneyta signal set · 2026-09-02weakened in debateReads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02T13:45:47.228469+00:00, UAL is a 0.07% weight holding in the IVV ETF.
ETF constituents · market dataTwo insider Form 4 filings for UAL were filed on 2026-08-21 and 2026-08-27.
Form 4 × 2 (90d window not enforced here)Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Multiple outlets highlighted new customer-facing mobile app features rolled out by the company in early September 2026, including tools to handle flight disruptions and pre-order food and essentials.
News · finance.yahoo.com · 2026-09-03PR Newswire distributed company announcements on 1–2 September 2026 describing two app-related initiatives: an industry-first standby/join-earlier-flights feature and a Newark Liberty trial for pre-ordering food, drinks and travel essentials to the gate.
News · prnewswire.com · 2026-09-01Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
An officer, Nocella Andrew P (EVP & Chief Commercial Officer), sold 5,000 shares for a reported value of "$585k" on 2026-08-25.
Form 4 · Nocella Andrew P (EVP & Chief Commercial Officer) · $585k sold · 2026-08-25Director Shapiro Edward reported an action coded "code G" for 50,000 shares with a reported value of "$0" on 2026-08-19.
Form 4 · SHAPIRO EDWARD (Director) · $0 code G · 2026-08-19Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The valuation model shows an implied free cash flow (FCF) growth rate of -24.81%, i.e., today's price would be consistent with FCF shrinking at about 24.81% per year under the stated discount and terminal assumptions.
Valuation inputs · SEC XBRL + stored EOD closePrice to trailing twelve-month free cash flow (P/FCF) is 4.22 based on the provided price and FCF TTM.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
Several data points in the record jointly support a favorable read: sequential revenue and positive operating- and net-income readings across recent quarters, a material increase in reported cash to $10.166B, and large trailing free cash flow ($8.385B TTM) combine with relatively low trailing multiples (P/FCF 4.22, EV/EBITDA 4.68, P/E 10.35). Momentum metrics (12_1 = +56.8%, golden cross true) add a market-technical corroboration to those fundamentals, while multiple sell-side firms have maintained buy buckets in the available consensus. Some bearish signals (high short-term volatility, a model implying steep FCF shrinkage, and small insider sales) rely on narrow or model-dependent inputs; compared with the stronger, directly reported cash/earnings and valuation multiples, those weaker pieces are less persuasive as standalone counters.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.32
33 surviving claims rest on 17 distinct sources; the heaviest analyst carries 24% of them, and 97% of what the desk raised survived the debate.
The dataset rests on a moderate breadth of source documents but shows notable analyst concentration and an unusually high survival rate from internal debate. That mix makes the read relatively weighty on documented filings and computed signals, yet somewhat fragile to analyst-led framing or missing parsed details (e.g., skipped Form 4 parses). Treat the summary as informational evidence that is resilient on reported filings but sensitive to single-analyst influence and unparsed source details.
Peer context · computed, not argued
12-1 momentum ranks 2nd of 2 in Airlines (as of 2026-09-02).
6-month relative strength ranks 1st of 2 in Airlines (as of 2026-09-02).
90-day volatility ranks 1st of 2 in Airlines (as of 2026-09-02).
dividend yield ranks 2nd of 2 in Airlines (as of 2026-09-02).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
12 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.4 to the score
2 documents
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.0 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−0.2 to the score
2 holdings records
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
5 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
2 filings
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state — stated and inferred flags kept apart.
Read by Talbot−0.5 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on UAL Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.