MSFT vs UNH: Which Is the Better Buy?
Side-by-side comparison of Microsoft Corporation and UnitedHealth Group Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-09-18.
Microsoft Corporation · Technology
$497.12
+41.3% upside to fair value
High Conviction
Grade A
High Quality
VS
UnitedHealth Group Incorporated · Healthcare
$375.21
+28.2% upside to fair value
Med Conviction
Grade B
High Quality
QuantHub Verdict
MSFT has more upside to fair value
(+41.3%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
MSFT |
UNH |
| Current Price |
$497.12 |
$375.21 |
| Fair Value Estimate |
$702.35 |
$481.06 |
| Upside to Fair Value |
+41.3%
|
+28.2%
|
| Market Cap |
$3,691.4B |
$340.7B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
18.3x
|
15.0x
|
| Price / Sales |
11.1x
|
0.8x
|
| Price / FCF |
55.1x
|
14.4x
|
| Revenue Growth YoY |
+17.7%
|
+0.4%
|
| Gross Margin |
67.9%
|
22.5%
|
| Operating Margin |
46.8%
|
4.8%
|
| Return on Equity |
33.2%
|
14.6%
|
| Dividend Yield |
0.73% |
2.41% |
| FCF Yield |
1.81%
|
6.95%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
Microsoft is a global infrastructure-software platform spanning Azure, Microsoft 365, security, Dynamics, Windows, GitHub and AI copilots, with high business quality supported by enterprise distribution, explicitly cited switching costs, a $678 billion commercial RPO balance, 67.9% TTM gross margin, 46.8% TTM operating margin, 40.3% TTM net margin and 33.2% ROE. Revenue grew 17.7% and earnings gr…
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 |
MSFT |
UNH |
| Zone Low |
$526.76 |
$360.80 |
| Zone High |
$597.00 |
$408.90 |
| In Buy Zone? |
Yes
|
Yes
|