GS vs UNH: Which Is the Better Buy?
Side-by-side comparison of The Goldman Sachs Group, Inc. and UnitedHealth Group Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-07-17.
The Goldman Sachs Group, Inc. · Financial Services
$1,045.91
-45.0% upside to fair value
Grade D
VS
UnitedHealth Group Incorporated · Healthcare
$423.38
+45.0% upside to fair value
Grade B
High Quality
QuantHub Verdict
UNH has more upside to fair value
(+45.0%).
GS trades at a lower forward P/E
(23.6x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
GS |
UNH |
| Current Price |
$1,045.91 |
$423.38 |
| Fair Value Estimate |
$575.25 |
$613.90 |
| Upside to Fair Value |
-45.0%
|
+45.0%
|
| Market Cap |
$308.6B |
$384.5B |
| Forward P/E |
23.6x
|
27.2x
|
| EV / EBITDA |
15.9x
|
13.8x
|
| Price / Sales |
3.1x
|
0.8x
|
| Price / FCF |
-7.4x
|
19.6x
|
| Revenue Growth YoY |
-35.0%
|
+0.4%
|
| Gross Margin |
47.4%
|
18.8%
|
| Operating Margin |
17.8%
|
4.2%
|
| Return on Equity |
15.3%
|
12.4%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
—
|
5.12%
|
| Analyst Consensus |
Hold
|
Strong Buy
|
Investment Thesis
The Goldman Sachs Group, Inc. operates as a leading global financial services firm specializing in investment banking, securities, investment management, and consumer banking. Despite its strong brand and competitive position in financial capital markets, the company currently faces significant headwinds as evidenced by a 35% decline in revenue and a 100% drop in earnings in the most recent quart…
UnitedHealth Group Incorporated operates in the healthcare sector, specifically within medical and healthcare plans, providing a durable business model supported by a strong competitive moat and consistent earnings growth. The company currently trades at a price of $423.38 with a market cap of $359.873 billion, reflecting a valuation that is cheap relative to its five-year history, supported by a…
Accumulation Zones
| Metric |
GS |
UNH |
| Zone Low |
$431.44 |
$460.42 |
| Zone High |
$488.96 |
$521.81 |
| In Buy Zone? |
No
|
Yes
|