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 2026-04-11.
UnitedHealth Group Incorporated · Healthcare
$304.33
+41.3% upside to fair value
Med Conviction
Grade B+
VS
Visa Inc. · Financial Services
$304.36
+37.7% upside to fair value
High Conviction
Grade A-
QuantHub Verdict
UNH has more upside to fair value
(+41.3%).
UNH trades at a lower forward P/E
(15.1x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
UNH |
V |
| Current Price |
$304.33 |
$304.36 |
| Fair Value Estimate |
$430.00 |
$419.00 |
| Upside to Fair Value |
+41.3%
|
+37.7%
|
| Market Cap |
$276.2B |
$586.8B |
| Forward P/E |
15.1x
|
23.7x
|
| EV / EBITDA |
14.3x
|
22.3x
|
| Price / Sales |
0.6x
|
14.2x
|
| Price / FCF |
17.2x
|
25.6x
|
| Revenue Growth YoY |
+11.8%
|
+11.3%
|
| Gross Margin |
18.5%
|
81.08%
|
| Operating Margin |
4.2%
|
59.18%
|
| Return on Equity |
12.7%
|
54.22%
|
| Dividend Yield |
2.9% |
0.83% |
| FCF Yield |
5.82%
|
3.91%
|
| Analyst Consensus |
Buy
|
Strong Buy
|
Investment Thesis
UnitedHealth Group is the world's largest diversified healthcare company, combining the dominant US health insurer UnitedHealthcare with the high-margin Optum services platform spanning care delivery, pharmacy benefits, and data analytics. The stock has fallen roughly 49% from its 2024 peak of $596, driven by elevated medical costs, DOJ antitrust scrutiny, CEO transitions (Brian Thompson's murder…
Visa is the world's dominant payment network with $40B in net revenue (FY2025), 50%+ net margins, and a capital-light toll-booth model processing $14.2T in annual payment volume across 257.5B transactions. The business compounds at 10-12% revenue CAGR with operating leverage pushing EPS growth to 12-15% over a cycle, funded by $21.6B in annual free cash flow against only $1.5B in capex. At 28.0x …
Accumulation Zones
| Metric |
UNH |
V |
| Zone Low |
$280.00 |
$265.00 |
| Zone High |
$340.00 |
$300.00 |
| In Buy Zone? |
Yes
|
No
|