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 2026-04-11.
Bank of America Corporation · Financial Services
$52.54
+7.3% upside to fair value
Grade B+
VS
UnitedHealth Group Incorporated · Healthcare
$304.33
+41.3% upside to fair value
Med Conviction
Grade B+
QuantHub Verdict
UNH has more upside to fair value
(+41.3%).
BAC trades at a lower forward P/E
(12.1x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
BAC |
UNH |
| Current Price |
$52.54 |
$304.33 |
| Fair Value Estimate |
$56.39 |
$430.00 |
| Upside to Fair Value |
+7.3%
|
+41.3%
|
| Market Cap |
$377.1B |
$276.2B |
| Forward P/E |
12.1x
|
15.1x
|
| EV / EBITDA |
12.8x
|
14.3x
|
| Price / Sales |
2.0x
|
0.6x
|
| Price / FCF |
29.9x
|
17.2x
|
| Revenue Growth YoY |
-0.5%
|
+11.8%
|
| Gross Margin |
56.1%
|
18.5%
|
| Operating Margin |
19.7%
|
4.2%
|
| Return on Equity |
10.1%
|
12.7%
|
| Dividend Yield |
2.09% |
2.9% |
| FCF Yield |
3.35%
|
5.82%
|
| Analyst Consensus |
Buy
|
Buy
|
Investment Thesis
Bank of America is a top-two U.S. bank by assets with $3.4 trillion on its balance sheet, generating $30.5 billion in net income in 2025 on the back of 12.5% earnings growth. The bank benefits from scale in consumer deposits, a recovering investment banking franchise, and an expanding digital platform serving 47 million active users. At 12.7x trailing earnings and 1.97x sales, BAC trades at a fai…
UnitedHealth Group is the world's largest diversified healthcare company, combining the dominant US health insurer UnitedHealthcare with the high-margin Optum services platform spanning care delivery, pharmacy benefits, and data analytics. The stock has fallen roughly 49% from its 2024 peak of $596, driven by elevated medical costs, DOJ antitrust scrutiny, CEO transitions (Brian Thompson's murder…
Accumulation Zones
| Metric |
BAC |
UNH |
| Zone Low |
$42.29 |
$280.00 |
| Zone High |
$47.93 |
$340.00 |
| In Buy Zone? |
No
|
Yes
|