PFE vs UNH: Which Is the Better Buy?
Side-by-side comparison of Pfizer Inc. and UnitedHealth Group Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-09-18.
Pfizer Inc. · Healthcare
$27.64
+12.0% upside to fair value
Med Conviction
Grade B
VS
UnitedHealth Group Incorporated · Healthcare
$375.21
+28.2% upside to fair value
Med Conviction
Grade B
High Quality
QuantHub Verdict
UNH has more upside to fair value
(+28.2%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
PFE |
UNH |
| Current Price |
$27.64 |
$375.21 |
| Fair Value Estimate |
$30.94 |
$481.06 |
| Upside to Fair Value |
+12.0%
|
+28.2%
|
| Market Cap |
$157.5B |
$340.7B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
17.4x
|
15.0x
|
| Price / Sales |
2.5x
|
0.8x
|
| Price / FCF |
14.3x
|
14.4x
|
| Revenue Growth YoY |
+2.6%
|
+0.4%
|
| Gross Margin |
71.3%
|
22.5%
|
| Operating Margin |
25.1%
|
4.8%
|
| Return on Equity |
4.9%
|
14.6%
|
| Dividend Yield |
6.22% |
2.41% |
| FCF Yield |
6.97%
|
6.95%
|
| Analyst Consensus |
Hold
|
Strong Buy
|
Investment Thesis
Pfizer is a global biopharmaceutical leader with a portfolio spanning cardiovascular, oncology, vaccines, immunology, and rare disease, anchored by Eliquis, the Prevnar family, Vyndaqel, Ibrance, Xtandi, Comirnaty, and Paxlovid, and supported by roughly 75,000 employees and a contract manufacturing division. Business quality is medium rather than high: TTM gross margin of 71.3% and TTM operating …
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 |
PFE |
UNH |
| Zone Low |
$23.21 |
$360.80 |
| Zone High |
$26.30 |
$408.90 |
| In Buy Zone? |
No
|
Yes
|