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 2026-07-17.
UnitedHealth Group Incorporated · Healthcare
$423.38
+45.0% upside to fair value
Grade B
High Quality
VS
Wells Fargo & Company · Financial Services
$87.53
+18.1% upside to fair value
Med Conviction
Grade B
High Quality
QuantHub Verdict
UNH has more upside to fair value
(+45.0%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
UNH |
WFC |
| Current Price |
$423.38 |
$87.53 |
| Fair Value Estimate |
$613.90 |
$103.38 |
| Upside to Fair Value |
+45.0%
|
+18.1%
|
| Market Cap |
$384.5B |
$267.8B |
| Forward P/E |
27.2x
|
—
|
| EV / EBITDA |
13.8x
|
15.8x
|
| Price / Sales |
0.8x
|
2.1x
|
| Price / FCF |
19.6x
|
226.4x
|
| Revenue Growth YoY |
+0.4%
|
+11.3%
|
| Gross Margin |
18.8%
|
64.5%
|
| Operating Margin |
4.2%
|
21.2%
|
| Return on Equity |
12.4%
|
12.6%
|
| Dividend Yield |
0% |
2.06% |
| FCF Yield |
5.12%
|
0.44%
|
| Analyst Consensus |
Strong Buy
|
Hold
|
Investment Thesis
UnitedHealth Group Incorporated operates in the healthcare sector, specifically within medical and healthcare plans, providing a durable business model supported by a strong competitive moat and consistent earnings growth. The company currently trades at a price of $423.38 with a market cap of $359.873 billion, reflecting a valuation that is cheap relative to its five-year history, supported by a…
Wells Fargo is a diversified U.S. bank operating consumer and commercial banking, corporate and investment banking, and wealth management, supported by a large deposit franchise, a $2.3 trillion asset base, nationwide advisory distribution, and increasingly relevant capital-markets capabilities. Business quality is high but not without legacy constraints: return on equity is 12.6%, gross margin i…
Accumulation Zones
| Metric |
UNH |
WFC |
| Zone Low |
$460.42 |
$77.53 |
| Zone High |
$521.81 |
$87.87 |
| In Buy Zone? |
Yes
|
Yes
|