CRM vs UNH: Which Is the Better Buy?
Side-by-side comparison of Salesforce, Inc. and UnitedHealth Group Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-16.
Salesforce, Inc. · Technology
$181.22
+161.6% upside to fair value
High Conviction
Grade A-
VS
UnitedHealth Group Incorporated · Healthcare
$304.33
+41.3% upside to fair value
Med Conviction
Grade B+
QuantHub Verdict
CRM has more upside to fair value
(+161.6%).
UNH trades at a lower forward P/E
(15.1x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
CRM |
UNH |
| Current Price |
$181.22 |
$304.33 |
| Fair Value Estimate |
$474.00 |
$430.00 |
| Upside to Fair Value |
+161.6%
|
+41.3%
|
| Market Cap |
$169.8B |
$276.2B |
| Forward P/E |
22.7x
|
15.1x
|
| EV / EBITDA |
—
|
14.3x
|
| Price / Sales |
4.1x
|
0.6x
|
| Price / FCF |
11.8x
|
17.2x
|
| Revenue Growth YoY |
+9.2%
|
+11.8%
|
| Gross Margin |
77.7%
|
18.5%
|
| Operating Margin |
21.5%
|
4.2%
|
| Return on Equity |
12.4%
|
12.7%
|
| Dividend Yield |
— |
2.9% |
| FCF Yield |
8.5%
|
5.82%
|
| Analyst Consensus |
Strong Buy
|
Buy
|
Investment Thesis
Salesforce is the leading global provider of CRM software, offering a strong competitive moat through market dominance and high switching costs, complemented by acquisitions like Slack and Tableau, with excellent margins above 77% gross and robust free cash flow of $15.16 per share. Despite decelerating revenue growth at 9.2% YoY and negative earnings growth of -6.9%, the business remains high-qu…
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 |
CRM |
UNH |
| Zone Low |
$356.00 |
$280.00 |
| Zone High |
$403.00 |
$340.00 |
| In Buy Zone? |
Yes
|
Yes
|