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 2026-09-25.
The Goldman Sachs Group, Inc. · Financial Services
$923.29
+25.9% upside to fair value
Med Conviction
Grade C
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 |
GS |
UNH |
| Current Price |
$923.29 |
$375.21 |
| Fair Value Estimate |
$1,162.79 |
$481.06 |
| Upside to Fair Value |
+25.9%
|
+28.2%
|
| Market Cap |
$272.4B |
$340.7B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
26.3x
|
15.0x
|
| Price / Sales |
2.3x
|
0.8x
|
| Price / FCF |
—
|
14.4x
|
| Revenue Growth YoY |
+22.9%
|
+0.4%
|
| Gross Margin |
57.3%
|
22.5%
|
| Operating Margin |
24.8%
|
4.8%
|
| Return on Equity |
17.0%
|
14.6%
|
| Dividend Yield |
1.95% |
2.41% |
| FCF Yield |
—
|
6.95%
|
| Analyst Consensus |
Hold
|
Strong Buy
|
Investment Thesis
Goldman Sachs is a global financial services firm operating four divisions: Investment Banking, Global Markets, Asset Management, and Consumer & Wealth Management, with 46,200 full-time employees and a market cap of $272.38 billion at a current price of $923.29. The business quality is high because of its leading franchise in advisory, underwriting, and trading, evidenced by a 17.0% ROE, a 57.3% …
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 |
GS |
UNH |
| Zone Low |
$872.09 |
$360.80 |
| Zone High |
$988.37 |
$408.90 |
| In Buy Zone? |
Yes
|
Yes
|