PYPL vs UNH: Which Is the Better Buy?
Side-by-side comparison of PayPal Holdings, Inc. and UnitedHealth Group Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-05-05.
PayPal Holdings, Inc. · Financial Services
$50.39
+110.0% upside to fair value
Grade B
VS
UnitedHealth Group Incorporated · Healthcare
$353.52
+97.1% upside to fair value
Grade B
High Quality
QuantHub Verdict
PYPL has more upside to fair value
(+110.0%).
PYPL trades at a lower forward P/E
(9.0x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
PYPL |
UNH |
| Current Price |
$50.39 |
$353.52 |
| Fair Value Estimate |
$105.84 |
$696.88 |
| Upside to Fair Value |
+110.0%
|
+97.1%
|
| Market Cap |
$45.3B |
$320.9B |
| Forward P/E |
9.0x
|
26.7x
|
| EV / EBITDA |
6.1x
|
16.1x
|
| Price / Sales |
1.4x
|
0.7x
|
| Price / FCF |
8.2x
|
16.3x
|
| Revenue Growth YoY |
+3.7%
|
+2.0%
|
| Gross Margin |
46.6%
|
18.8%
|
| Operating Margin |
18.3%
|
4.2%
|
| Return on Equity |
25.9%
|
12.4%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
12.27%
|
6.13%
|
| Analyst Consensus |
Sell
|
Strong Buy
|
Investment Thesis
PayPal Holdings, Inc. operates as a leading digital payments platform offering transaction processing and value-added financial services such as consumer credit and BNPL products. The business quality is medium due to a narrowing competitive moat amid increasing pressure from big tech competitors and slowing growth in its core branded checkout segment. The stock is currently mispriced and cheap, …
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 |
PYPL |
UNH |
| Zone Low |
$79.38 |
$522.66 |
| Zone High |
$89.96 |
$592.35 |
| In Buy Zone? |
Yes
|
Yes
|