BAC vs UNH: Which Is the Better Buy?
Side-by-side comparison of Bank of America Corporation and UnitedHealth Group Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-22.
Bank of America Corporation · Financial Services
$53.95
-41.2% upside to fair value
Grade C
VS
UnitedHealth Group Incorporated · Healthcare
$353.52
+45.0% upside to fair value
Grade B
High Quality
QuantHub Verdict
UNH has more upside to fair value
(+45.0%).
BAC trades at a lower forward P/E
(12.3x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
BAC |
UNH |
| Current Price |
$53.95 |
$353.52 |
| Fair Value Estimate |
$31.74 |
$512.60 |
| Upside to Fair Value |
-41.2%
|
+45.0%
|
| Market Cap |
$387.2B |
$320.9B |
| Forward P/E |
12.3x
|
26.7x
|
| EV / EBITDA |
12.7x
|
16.1x
|
| Price / Sales |
2.2x
|
0.7x
|
| Price / FCF |
30.7x
|
16.3x
|
| Revenue Growth YoY |
-35.6%
|
+2.0%
|
| Gross Margin |
63.2%
|
18.8%
|
| Operating Margin |
22.9%
|
4.2%
|
| Return on Equity |
10.5%
|
12.4%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
3.26%
|
6.13%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
Bank of America Corporation is a leading diversified bank with $3.41 trillion in assets and a broad footprint across consumer banking, global markets, wealth management, and corporate banking. The company benefits from a strong market position and experienced leadership under CEO Brian T. Moynihan. However, the stock is currently overvalued, trading approximately 36% above its fair value estimate…
UnitedHealth Group Incorporated operates as a leading healthcare company with two main platforms: UnitedHealthcare, providing health benefits coverage, and Optum, offering information and technology services. The company benefits from a durable competitive moat due to its scale, integrated platforms, and broad market reach serving over 170 million consumers. Despite strong revenue growth of 12% y…
Accumulation Zones
| Metric |
BAC |
UNH |
| Zone Low |
$23.80 |
$384.45 |
| Zone High |
$26.98 |
$435.71 |
| In Buy Zone? |
No
|
Yes
|