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 2026-09-22.
Salesforce, Inc. · Technology
$236.42
+11.6% upside to fair value
Med Conviction
Grade B
High Quality
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 |
CRM |
UNH |
| Current Price |
$236.42 |
$375.21 |
| Fair Value Estimate |
$263.88 |
$481.06 |
| Upside to Fair Value |
+11.6%
|
+28.2%
|
| Market Cap |
$193.6B |
$340.7B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
14.4x
|
15.0x
|
| Price / Sales |
4.4x
|
0.8x
|
| Price / FCF |
12.8x
|
14.4x
|
| Revenue Growth YoY |
+10.8%
|
+0.4%
|
| Gross Margin |
77.3%
|
22.5%
|
| Operating Margin |
21.4%
|
4.8%
|
| Return on Equity |
20.2%
|
14.6%
|
| Dividend Yield |
0.73% |
2.41% |
| FCF Yield |
7.82%
|
6.95%
|
| Analyst Consensus |
Buy
|
Strong Buy
|
Investment Thesis
Salesforce is the leading enterprise customer relationship management platform, spanning Sales, Service, Platform, Marketing, Commerce, Tableau, MuleSoft, and Slack under the Customer 360 umbrella, with 83,334 employees and a business that converts $53.65 of revenue per share into $18.48 of free cash flow per share. Business quality is high: TTM gross margin of 77.3%, TTM operating margin of 21.4…
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 |
CRM |
UNH |
| Zone Low |
$197.91 |
$360.80 |
| Zone High |
$224.30 |
$408.90 |
| In Buy Zone? |
No
|
Yes
|