MELI vs UNH: Which Is the Better Buy?
Side-by-side comparison of MercadoLibre, Inc. and UnitedHealth Group Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-11.
MercadoLibre, Inc. · Consumer Cyclical
$1,767.42
+41.4% 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
MELI has more upside to fair value
(+41.4%).
UNH trades at a lower forward P/E
(15.1x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
MELI |
UNH |
| Current Price |
$1,767.42 |
$304.33 |
| Fair Value Estimate |
$2,500.00 |
$430.00 |
| Upside to Fair Value |
+41.4%
|
+41.3%
|
| Market Cap |
$89.6B |
$276.2B |
| Forward P/E |
35.0x
|
15.1x
|
| EV / EBITDA |
18.5x
|
14.3x
|
| Price / Sales |
3.1x
|
0.6x
|
| Price / FCF |
8.9x
|
17.2x
|
| Revenue Growth YoY |
+39.1%
|
+11.8%
|
| Gross Margin |
44.5%
|
18.5%
|
| Operating Margin |
11.1%
|
4.2%
|
| Return on Equity |
33.7%
|
12.7%
|
| Dividend Yield |
0% |
2.9% |
| FCF Yield |
12.1%
|
5.82%
|
| Analyst Consensus |
Strong Buy
|
Buy
|
Investment Thesis
MercadoLibre is the dominant e-commerce and fintech ecosystem across Latin America, operating the largest marketplace and digital payments platform in a region with 670M+ people where e-commerce penetration is still under 15%. Revenue grew 39% to $28.9B in FY2025 with $10.8B in free cash flow — a 12% FCF yield at current prices. The company is trading at its 5-year P/S minimum (3.1x) and P/FCF mi…
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 |
MELI |
UNH |
| Zone Low |
$1,875.00 |
$280.00 |
| Zone High |
$2,125.00 |
$340.00 |
| In Buy Zone? |
Yes
|
Yes
|