JPM vs UNH: Which Is the Better Buy?
Side-by-side comparison of JPMorgan Chase & Co. and UnitedHealth Group Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-11.
JPMorgan Chase & Co. · Financial Services
$309.87
-6.4% 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
UNH has more upside to fair value
(+41.3%).
JPM trades at a lower forward P/E
(14.3x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
JPM |
UNH |
| Current Price |
$309.87 |
$304.33 |
| Fair Value Estimate |
$290.00 |
$430.00 |
| Upside to Fair Value |
-6.4%
|
+41.3%
|
| Market Cap |
$835.7B |
$276.2B |
| Forward P/E |
14.3x
|
15.1x
|
| EV / EBITDA |
17.6x
|
14.3x
|
| Price / Sales |
3.0x
|
0.6x
|
| Price / FCF |
—
|
17.2x
|
| Revenue Growth YoY |
+3.3%
|
+11.8%
|
| Gross Margin |
59.99%
|
18.5%
|
| Operating Margin |
25.9%
|
4.2%
|
| Return on Equity |
15.95%
|
12.7%
|
| Dividend Yield |
1.9% |
2.9% |
| FCF Yield |
—
|
5.82%
|
| Analyst Consensus |
Overweight
|
Buy
|
Investment Thesis
JPMorgan Chase is the largest U.S. bank by assets ($4.4T) and the most diversified financial services franchise globally, operating across consumer banking, investment banking, commercial banking, and asset management. Under Jamie Dimon's two-decade leadership, the firm has consistently gained market share, delivered sector-leading ROE of 16%, and invested aggressively in technology ($17B+ annual…
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 |
JPM |
UNH |
| Zone Low |
$220.00 |
$280.00 |
| Zone High |
$250.00 |
$340.00 |
| In Buy Zone? |
No
|
Yes
|