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 2026-07-17.
PayPal Holdings, Inc. · Financial Services
$42.51
+45.0% upside to fair value
Grade B
VS
UnitedHealth Group Incorporated · Healthcare
$423.38
+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 |
$423.38 |
| Fair Value Estimate |
$61.64 |
$613.90 |
| Upside to Fair Value |
+45.0%
|
+45.0%
|
| Market Cap |
$37.5B |
$384.5B |
| Forward P/E |
7.7x
|
27.2x
|
| EV / EBITDA |
5.3x
|
13.8x
|
| Price / Sales |
1.1x
|
0.8x
|
| Price / FCF |
6.8x
|
19.6x
|
| Revenue Growth YoY |
+7.2%
|
+0.4%
|
| 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%
|
5.12%
|
| 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 in the healthcare sector, specifically within medical and healthcare plans, providing a durable business model supported by a strong competitive moat and consistent earnings growth. The company currently trades at a price of $423.38 with a market cap of $359.873 billion, reflecting a valuation that is cheap relative to its five-year history, supported by a…
Accumulation Zones
| Metric |
PYPL |
UNH |
| Zone Low |
$46.23 |
$460.42 |
| Zone High |
$52.39 |
$521.81 |
| In Buy Zone? |
Yes
|
Yes
|