UNH vs UPS: Which Is the Better Buy?
Side-by-side comparison of UnitedHealth Group Incorporated and United Parcel Service, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-09-19.
UnitedHealth Group Incorporated · Healthcare
$375.21
+28.2% upside to fair value
Med Conviction
Grade B
High Quality
VS
United Parcel Service, Inc. · Industrials
$99.02
+21.1% upside to fair value
Med Conviction
Grade B
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 |
UNH |
UPS |
| Current Price |
$375.21 |
$99.02 |
| Fair Value Estimate |
$481.06 |
$119.92 |
| Upside to Fair Value |
+28.2%
|
+21.1%
|
| Market Cap |
$340.7B |
$84.1B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
15.0x
|
10.2x
|
| Price / Sales |
0.8x
|
0.9x
|
| Price / FCF |
14.4x
|
15.3x
|
| Revenue Growth YoY |
+0.4%
|
+7.6%
|
| Gross Margin |
22.5%
|
16.6%
|
| Operating Margin |
4.8%
|
7.3%
|
| Return on Equity |
14.6%
|
29.1%
|
| Dividend Yield |
2.41% |
6.62% |
| FCF Yield |
6.95%
|
6.52%
|
| Analyst Consensus |
Strong Buy
|
Hold
|
Investment Thesis
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…
United Parcel Service is the world's largest integrated package delivery and logistics network, operating U.S. Domestic Package and International Package segments with roughly 460,000 employees and a 119-year operating history. The business quality is medium: the global air-and-ground network, brand, and scale are genuine assets, but the company is exposed to commoditized freight, Amazon volume c…
Accumulation Zones
| Metric |
UNH |
UPS |
| Zone Low |
$360.80 |
$89.94 |
| Zone High |
$408.90 |
$101.93 |
| In Buy Zone? |
Yes
|
Yes
|