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
$353.52
+45.0% upside to fair value
Grade B
High Quality
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
(+45.0%).
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 |
$353.52 |
$81.52 |
| Fair Value Estimate |
$512.60 |
$106.48 |
| Upside to Fair Value |
+45.0%
|
+30.6%
|
| Market Cap |
$320.9B |
$250.7B |
| Forward P/E |
26.7x
|
11.9x
|
| EV / EBITDA |
16.1x
|
16.7x
|
| Price / Sales |
0.7x
|
2.0x
|
| Price / FCF |
16.3x
|
-13.2x
|
| Revenue Growth YoY |
+2.0%
|
+7.3%
|
| Gross Margin |
18.8%
|
64.5%
|
| Operating Margin |
4.2%
|
20.5%
|
| Return on Equity |
12.4%
|
12.0%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
6.13%
|
—
|
| Analyst Consensus |
Strong Buy
|
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…
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 |
$384.45 |
$79.86 |
| Zone High |
$435.71 |
$90.51 |
| In Buy Zone? |
Yes
|
Yes
|