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 2026-09-19.
UnitedHealth Group Incorporated · Healthcare
$375.21
+28.2% upside to fair value
Med Conviction
Grade B
High Quality
VS
Wells Fargo & Company · Financial Services
$86.12
+20.4% upside to fair value
Med Conviction
Grade B
QuantHub Verdict
UNH has more upside to fair value
(+28.2%).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
UNH |
WFC |
| Current Price |
$375.21 |
$86.12 |
| Fair Value Estimate |
$481.06 |
$103.68 |
| Upside to Fair Value |
+28.2%
|
+20.4%
|
| Market Cap |
$340.7B |
$260.4B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
15.0x
|
15.6x
|
| Price / Sales |
0.8x
|
2.0x
|
| Price / FCF |
14.4x
|
13.7x
|
| Revenue Growth YoY |
+0.4%
|
+11.3%
|
| Gross Margin |
22.5%
|
64.5%
|
| Operating Margin |
4.8%
|
21.2%
|
| Return on Equity |
14.6%
|
12.6%
|
| Dividend Yield |
2.41% |
2.15% |
| FCF Yield |
6.95%
|
7.3%
|
| Analyst Consensus |
Strong Buy
|
Hold
|
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…
Wells Fargo is a diversified U.S. bank with roughly 197,000 employees operating four segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. The business quality is solid but not exceptional: trailing return on equity is 12.6%, TTM net margin is 17.5%, and revenue grew 11.3% year over year in the most recent quarter while…
Accumulation Zones
| Metric |
UNH |
WFC |
| Zone Low |
$360.80 |
$77.76 |
| Zone High |
$408.90 |
$88.13 |
| In Buy Zone? |
Yes
|
Yes
|