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 2026-04-11.
The Goldman Sachs Group, Inc. · Financial Services
$907.80
-3.1% upside to fair value
Low Conviction
Grade C+
VS
UnitedHealth Group Incorporated · Healthcare
$304.33
+41.3% upside to fair value
Med Conviction
Grade B+
QuantHub Verdict
UNH has more upside to fair value
(+41.3%).
UNH trades at a lower forward P/E
(15.1x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
GS |
UNH |
| Current Price |
$907.80 |
$304.33 |
| Fair Value Estimate |
$880.00 |
$430.00 |
| Upside to Fair Value |
-3.1%
|
+41.3%
|
| Market Cap |
$269.4B |
$276.2B |
| Forward P/E |
15.6x
|
15.1x
|
| EV / EBITDA |
29.7x
|
14.3x
|
| Price / Sales |
2.1x
|
0.6x
|
| Price / FCF |
—
|
17.2x
|
| Revenue Growth YoY |
+9.0%
|
+11.8%
|
| Gross Margin |
47.5%
|
18.5%
|
| Operating Margin |
17.5%
|
4.2%
|
| Return on Equity |
13.8%
|
12.7%
|
| Dividend Yield |
1.71% |
2.9% |
| FCF Yield |
—
|
5.82%
|
| Analyst Consensus |
Buy
|
Buy
|
Investment Thesis
Goldman Sachs remains the premier global investment bank with dominant franchises in M&A advisory, equities trading, and asset management. FY2025 delivered $58.3B net revenues, 15% ROE, and $51.32 diluted EPS, powered by record equities trading and a resurgent IB pipeline. The stock has pulled back 8% from January highs near $985 but still trades at 2.27x book value, well above the 5-year median …
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 |
GS |
UNH |
| Zone Low |
$600.00 |
$280.00 |
| Zone High |
$680.00 |
$340.00 |
| In Buy Zone? |
No
|
Yes
|