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UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) vs Total Consumer Credit
Correlation
of % moves
+22%
In sync
of periods
55%
History
monthsmonths · through 2026-07
59
These move in the same direction about 55% of the time
Their swing sizes only faintly line up (~5% of the pattern is shared).
A faint pattern — interesting as colour, not strong enough to act on alone.
Both lines start at the same point — easy to compare when growth rates are similar.
What to Watch
Total Consumer Credit moves ~5 months before UNH
Watch Total Consumer Credit for an early read on UNH.
Flips between sync and inverse
Sometimes the two move together, sometimes opposite. Don't treat this as a stable signal.
Advanced
Statistics
In sync(i)
55%
Headline metric
Movement correlation(i)
+22%
Based on % moves
95% CI
-4% → +45%
Pipeline
Pipeline Summary
59 paired data points survived the monthly window.
Raw input
1,253
1,003
Normalized
1,253
1,003
Prepared
61
1,003
Aligned
59
59
Invalid removed
Likely range of correlation
R²(i)
5%
Variance explained
Significance
n.s.
Statistical confidence
Data points(i)
58
Thin
Time-Shifted Correlation
See how correlation changes when one series is offset in time. A taller bar at a non-zero shift means the two move together better when one leads the other — that's a potential lead/lag signal.
Correlation by shift
Click a bar to inspect. Range: -18 to 18 months.
Selected shift
-5 months
Correlation at this shift
+49%
+27% stronger than no-shift baseline
Total Consumer Credit shifted 5 months later. Reads: "Does UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH) today line up with Total Consumer Credit 5 months ago?"
53 overlapping points at this shift
Baseline
+22%
No-shift correlation, matching the main time-series chart above.
Peak shift
-5 months
+49%
A non-zero peak suggests one series lines up better when shifted against the other.
Stability
How the correlation evolves over time. A stable line means the relationship is reliable; large swings signal regime-dependent behavior.
Do They Crash Together?
How these series behave when markets are rising, falling, or diverging. A correlation that holds in drawdowns is very different from one that only works in rallies.
Both Rising
-19%
28 periods · Return correlation when both series rose
Both Falling
N/A
4 periods · Return correlation when both series fell
Diverging
-3%
26 periods · Return correlation when series moved apart
Scatter
0
A: 0 / B: 0
Duplicates removed
0
A: 0 / B: 0
Alignment drops
946
A: 2 / B: 944
Series A
UNITEDHEALTH GROUP INCORPORATED (Delaware) (UNH)
UNH
Stock · 1,253 raw → 61 prepared
Series B
Total Consumer Credit
TOTALSL
FRED · 1,003 raw → 1,003 prepared
Sign agreement
100.0%
How often both values share the same sign.
Zero crossings
1
Estimated crossover points between normalized spreads.
Slope
0.0119
Linear regression slope.
Intercept
0.0026
Linear regression intercept.
Saved 4 months ago · ID: fred-totalsl_stock-unh_monthly_5y