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 2026-04-29.
Microsoft Corporation · Technology
$429.25
-1.3% upside to fair value
Grade B
High Quality
VS
UnitedHealth Group Incorporated · Healthcare
$353.52
+45.0% upside to fair value
Grade B
High Quality
QuantHub Verdict
UNH has more upside to fair value
(+45.0%).
UNH trades at a lower forward P/E
(26.7x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
MSFT |
UNH |
| Current Price |
$429.25 |
$353.52 |
| Fair Value Estimate |
$423.82 |
$512.60 |
| Upside to Fair Value |
-1.3%
|
+45.0%
|
| Market Cap |
$3,187.4B |
$320.9B |
| Forward P/E |
26.8x
|
26.7x
|
| EV / EBITDA |
17.2x
|
16.1x
|
| Price / Sales |
10.4x
|
0.7x
|
| Price / FCF |
41.2x
|
16.3x
|
| Revenue Growth YoY |
+16.7%
|
+2.0%
|
| Gross Margin |
68.6%
|
18.8%
|
| Operating Margin |
46.7%
|
4.2%
|
| Return on Equity |
33.6%
|
12.4%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
2.43%
|
6.13%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
Microsoft Corporation is a leading technology company specializing in software infrastructure, cloud computing, and productivity solutions. The company benefits from a high-quality business model characterized by durable competitive moats including strong switching costs and intangible assets such as its brand and cloud infrastructure. Under CEO Satya Nadella's leadership since 2014, Microsoft ha…
UnitedHealth Group Incorporated operates as a leading healthcare company with two main platforms: UnitedHealthcare, providing health benefits coverage, and Optum, offering information and technology services. The company benefits from a durable competitive moat due to its scale, integrated platforms, and broad market reach serving over 170 million consumers. Despite strong revenue growth of 12% y…
Accumulation Zones
| Metric |
MSFT |
UNH |
| Zone Low |
$317.87 |
$384.45 |
| Zone High |
$360.25 |
$435.71 |
| In Buy Zone? |
No
|
Yes
|