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 2026-09-22.
Bank of America Corporation · Financial Services
$57.96
+15.7% upside to fair value
Med Conviction
Grade B
VS
UnitedHealth Group Incorporated · Healthcare
$375.21
+28.2% upside to fair value
Med Conviction
Grade B
High Quality
QuantHub Verdict
UNH has more upside to fair value
(+28.2%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
BAC |
UNH |
| Current Price |
$57.96 |
$375.21 |
| Fair Value Estimate |
$67.08 |
$481.06 |
| Upside to Fair Value |
+15.7%
|
+28.2%
|
| Market Cap |
$411.3B |
$340.7B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
24.4x
|
15.0x
|
| Price / Sales |
2.1x
|
0.8x
|
| Price / FCF |
4.4x
|
14.4x
|
| Revenue Growth YoY |
+5.8%
|
+0.4%
|
| Gross Margin |
59.3%
|
22.5%
|
| Operating Margin |
22.5%
|
4.8%
|
| Return on Equity |
11.1%
|
14.6%
|
| Dividend Yield |
2.0% |
2.41% |
| FCF Yield |
22.88%
|
6.95%
|
| Analyst Consensus |
Buy
|
Strong Buy
|
Investment Thesis
Bank of America Corporation is a diversified U.S. money-center bank operating through Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets, serving roughly 67 million consumer and small business clients through about 4,200 retail financial centers and 16,000 ATMs as of the last detailed disclosure. The franchise quality is solid but not exceptional: TTM net …
UnitedHealth Group is the largest diversified healthcare enterprise in the United States, operating UnitedHealthcare insurance plans alongside Optum Health, Optum Insight, and Optum Rx, with 390,000 employees and a market capitalization of $340.74 billion. The business quality is high: a 14.6% return on equity, $26.07 in free cash flow per share, and a P/FCF of 14.39 demonstrate strong cash gener…
Accumulation Zones
| Metric |
BAC |
UNH |
| Zone Low |
$50.31 |
$360.80 |
| Zone High |
$57.02 |
$408.90 |
| In Buy Zone? |
No
|
Yes
|