Public audit ledger — Rev. 2026

Independent audit — file no. 001

They claim the savings. We check if you actually got it.

TheRealMargin cross-examines corporate claims of AI and efficiency savings against the hard numbers in SEC filings — margins, executive pay, and buybacks — to see where the money really went.

Recently Flagged

4 of 14 entities

UnitedHealth Group

NYSE: UNH

RESEARCH PENDING
+ CompareShareLinkedIn
Net margin YoY
Exec pay change
Stock buybacks

Patient-side metrics — founder researched

Premium Trend

Research pending

Out-of-Pocket Trend

Research pending

Total Cost of Care Trend

Research pending

Staffing: Research pending

Audit in progress. Financial data drawn live from SEC filings; findings pending founder review.

SOURCE: SEC EDGAR — LIVEHow this score works

CVS Health

NYSE: CVS

RESEARCH PENDING
+ CompareShareLinkedIn
Net margin YoY
Exec pay change
Stock buybacks

Patient-side metrics — founder researched

Premium Trend

Research pending

Out-of-Pocket Trend

Research pending

Total Cost of Care Trend

Research pending

Staffing: Research pending

Audit in progress. Financial data drawn live from SEC filings; findings pending founder review.

SOURCE: SEC EDGAR — LIVEHow this score works

Cigna Group

NYSE: CI

RESEARCH PENDING
+ CompareShareLinkedIn
Net margin YoY
Exec pay change
Stock buybacks

Patient-side metrics — founder researched

Premium Trend

Research pending

Out-of-Pocket Trend

Research pending

Total Cost of Care Trend

Research pending

Staffing: Research pending

Audit in progress. Financial data drawn live from SEC filings; findings pending founder review.

SOURCE: SEC EDGAR — LIVEHow this score works

Elevance Health

NYSE: ELV

RESEARCH PENDING
+ CompareShareLinkedIn
Net margin YoY
Exec pay change
Stock buybacks

Patient-side metrics — founder researched

Premium Trend

Research pending

Out-of-Pocket Trend

Research pending

Total Cost of Care Trend

Research pending

Staffing: Research pending

Audit in progress. Financial data drawn live from SEC filings; findings pending founder review.

SOURCE: SEC EDGAR — LIVEHow this score works