UNH vs WFC: Which Is the Better Buy?
Side-by-side comparison of UnitedHealth Group Incorporated and Wells Fargo & Company — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-22.
UnitedHealth Group Incorporated · Healthcare
$304.33
+41.3% upside to fair value
Med Conviction
Grade B+
VS
Wells Fargo & Company · Financial Services
$81.52
+30.6% upside to fair value
Grade B
QuantHub Verdict
UNH has more upside to fair value
(+41.3%).
WFC trades at a lower forward P/E
(11.9x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
UNH |
WFC |
| Current Price |
$304.33 |
$81.52 |
| Fair Value Estimate |
$430.00 |
$106.49 |
| Upside to Fair Value |
+41.3%
|
+30.6%
|
| Market Cap |
$276.2B |
$250.7B |
| Forward P/E |
15.1x
|
11.9x
|
| EV / EBITDA |
14.3x
|
16.7x
|
| Price / Sales |
0.6x
|
2.0x
|
| Price / FCF |
17.2x
|
-13.2x
|
| Revenue Growth YoY |
+11.8%
|
+7.3%
|
| Gross Margin |
18.5%
|
64.5%
|
| Operating Margin |
4.2%
|
20.5%
|
| Return on Equity |
12.7%
|
12.0%
|
| Dividend Yield |
2.9% |
0% |
| FCF Yield |
5.82%
|
—
|
| Analyst Consensus |
Buy
|
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…
Wells Fargo & Company is a diversified financial services firm operating primarily in consumer banking, commercial banking, corporate and investment banking, and wealth and investment management. The company benefits from a seasoned CEO with extensive industry experience and has made significant progress in regulatory compliance and operational efficiency, including lifting its asset cap in 2025.…
Accumulation Zones
| Metric |
UNH |
WFC |
| Zone Low |
$280.00 |
$79.87 |
| Zone High |
$340.00 |
$90.52 |
| In Buy Zone? |
Yes
|
Yes
|