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 2026-04-22.
UnitedHealth Group Incorporated · Healthcare
$353.52
+45.0% upside to fair value
Grade B
High Quality
VS
Visa Inc. · Financial Services
$304.36
+45.0% upside to fair value
High Conviction
Grade A-
QuantHub Verdict
V trades at a lower forward P/E
(23.7x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
UNH |
V |
| Current Price |
$353.52 |
$304.36 |
| Fair Value Estimate |
$512.60 |
$441.32 |
| Upside to Fair Value |
+45.0%
|
+45.0%
|
| Market Cap |
$320.9B |
$586.8B |
| Forward P/E |
26.7x
|
23.7x
|
| EV / EBITDA |
16.1x
|
22.3x
|
| Price / Sales |
0.7x
|
14.2x
|
| Price / FCF |
16.3x
|
25.6x
|
| Revenue Growth YoY |
+2.0%
|
+11.3%
|
| Gross Margin |
18.8%
|
81.08%
|
| Operating Margin |
4.2%
|
59.18%
|
| Return on Equity |
12.4%
|
54.22%
|
| Dividend Yield |
0% |
0.83% |
| FCF Yield |
6.13%
|
3.91%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
UnitedHealth Group Incorporated operates as a leading healthcare company with two main platforms: UnitedHealthcare, providing health benefits coverage, and Optum, offering information and technology services. The company benefits from a durable competitive moat due to its scale, integrated platforms, and broad market reach serving over 170 million consumers. Despite strong revenue growth of 12% y…
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 |
$384.45 |
$330.99 |
| Zone High |
$435.71 |
$375.12 |
| In Buy Zone? |
Yes
|
Yes
|