UNH vs V: Which Is the Better Buy?
Side-by-side comparison of UnitedHealth Group Incorporated and Visa Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-07-17.
UnitedHealth Group Incorporated · Healthcare
$423.38
+45.0% upside to fair value
Grade B
High Quality
VS
Visa Inc. · Financial Services
$327.24
+27.8% upside to fair value
Grade A
High Quality
QuantHub Verdict
UNH has more upside to fair value
(+45.0%).
UNH trades at a lower forward P/E
(27.2x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
UNH |
V |
| Current Price |
$423.38 |
$327.24 |
| Fair Value Estimate |
$613.90 |
$418.15 |
| Upside to Fair Value |
+45.0%
|
+27.8%
|
| Market Cap |
$384.5B |
$627.3B |
| Forward P/E |
27.2x
|
28.2x
|
| EV / EBITDA |
13.8x
|
22.6x
|
| Price / Sales |
0.8x
|
14.6x
|
| Price / FCF |
19.6x
|
29.6x
|
| Revenue Growth YoY |
+0.4%
|
+17.1%
|
| Gross Margin |
18.8%
|
81.3%
|
| Operating Margin |
4.2%
|
61.1%
|
| Return on Equity |
12.4%
|
58.9%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
5.12%
|
3.38%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
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…
Visa Inc. operates a global payments network that facilitates electronic funds transfers worldwide, primarily through credit and debit cards. The company benefits from a very strong and widening moat driven by its extensive global card network and acceptance infrastructure, supported by a shareholder-friendly capital allocation policy including high buybacks and dividends. Visa's business quality…
Accumulation Zones
| Metric |
UNH |
V |
| Zone Low |
$460.42 |
$313.61 |
| Zone High |
$521.81 |
$355.43 |
| In Buy Zone? |
Yes
|
Yes
|