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 2026-06-20.
PayPal Holdings, Inc. · Financial Services
$42.51
+45.0% upside to fair value
Grade B
VS
UnitedHealth Group Incorporated · Healthcare
$400.96
+45.0% upside to fair value
Grade B
High Quality
QuantHub Verdict
PYPL trades at a lower forward P/E
(7.7x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
PYPL |
UNH |
| Current Price |
$42.51 |
$400.96 |
| Fair Value Estimate |
$61.64 |
$581.39 |
| Upside to Fair Value |
+45.0%
|
+45.0%
|
| Market Cap |
$37.5B |
$364.1B |
| Forward P/E |
7.7x
|
30.2x
|
| EV / EBITDA |
5.3x
|
18.0x
|
| Price / Sales |
1.1x
|
0.8x
|
| Price / FCF |
6.8x
|
18.5x
|
| Revenue Growth YoY |
+7.2%
|
+2.0%
|
| Gross Margin |
46.1%
|
18.8%
|
| Operating Margin |
17.9%
|
4.2%
|
| Return on Equity |
25.1%
|
12.4%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
14.71%
|
5.4%
|
| Analyst Consensus |
Sell
|
Strong Buy
|
Investment Thesis
PayPal Holdings, Inc. operates as a leading global digital payments platform with a competitive moat driven by its extensive network effects, brand recognition, and scale. Despite a durable business model with 2025 revenue of $33.17 billion growing at 4.3% year-over-year and a strong return on equity of 25.1%, the company faces slowing growth and margin pressures, reflected in a 13.5% decline in …
UnitedHealth Group Incorporated operates as a diversified healthcare company with leading positions in healthcare plans through UnitedHealthcare and health services via Optum. The business quality is high due to its durable competitive advantages including scale, integration of Optum and UnitedHealthcare, strong data and distribution infrastructure, and incumbency in Medicare Advantage and care d…
Accumulation Zones
| Metric |
PYPL |
UNH |
| Zone Low |
$46.23 |
$436.04 |
| Zone High |
$52.39 |
$494.18 |
| In Buy Zone? |
Yes
|
Yes
|