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 2026-09-19.
UnitedHealth Group Incorporated · Healthcare
$375.21
+28.2% upside to fair value
Med Conviction
Grade B
High Quality
VS
Visa Inc. · Financial Services
$368.29
+25.7% upside to fair value
Med Conviction
Grade B
High Quality
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 |
V |
| Current Price |
$375.21 |
$368.29 |
| Fair Value Estimate |
$481.06 |
$463.00 |
| Upside to Fair Value |
+28.2%
|
+25.7%
|
| Market Cap |
$340.7B |
$687.6B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
15.0x
|
24.0x
|
| Price / Sales |
0.8x
|
15.5x
|
| Price / FCF |
14.4x
|
33.5x
|
| Revenue Growth YoY |
+0.4%
|
+14.4%
|
| Gross Margin |
22.5%
|
80.2%
|
| Operating Margin |
4.8%
|
60.7%
|
| Return on Equity |
14.6%
|
61.3%
|
| Dividend Yield |
2.41% |
0.73% |
| FCF Yield |
6.95%
|
2.98%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
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…
Visa operates the world's largest retail payments network, connecting consumers, merchants, issuers, and acquirers through VisaNet, which authorizes, clears, and settles transactions across more than 200 countries. The business quality is exceptional: TTM gross margin of 80.2%, operating margin of 60.7%, net margin of 50.8%, and ROE of 61.3% reflect a two-sided network with powerful scale economi…
Accumulation Zones
| Metric |
UNH |
V |
| Zone Low |
$360.80 |
$347.25 |
| Zone High |
$408.90 |
$393.55 |
| In Buy Zone? |
Yes
|
Yes
|