UNH vs WMT: Which Is the Better Buy?
Side-by-side comparison of UnitedHealth Group Incorporated and Walmart Inc. — 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
Walmart Inc. · Consumer Defensive
$106.73
-10.8% upside to fair value
Med Conviction
Grade C
High Quality
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 |
WMT |
| Current Price |
$375.21 |
$106.73 |
| Fair Value Estimate |
$481.06 |
$95.24 |
| Upside to Fair Value |
+28.2%
|
-10.8%
|
| Market Cap |
$340.7B |
$849.4B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
15.0x
|
21.3x
|
| Price / Sales |
0.8x
|
1.1x
|
| Price / FCF |
14.4x
|
62.8x
|
| Revenue Growth YoY |
+0.4%
|
+5.9%
|
| Gross Margin |
22.5%
|
25.2%
|
| Operating Margin |
4.8%
|
4.4%
|
| Return on Equity |
14.6%
|
22.7%
|
| Dividend Yield |
2.41% |
0.92% |
| FCF Yield |
6.95%
|
1.59%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
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…
Walmart Inc. is the world's largest retailer by revenue, operating more than 10,000 stores and clubs across Walmart U.S., Walmart International, and Sam's Club, with a fast-growing e-commerce and advertising ecosystem layered on top of a grocery-led, everyday-low-price model. The business quality is high: scale and sourcing power underpin a durable cost advantage, ROE is 22.7%, and revenue grew 5…
Accumulation Zones
| Metric |
UNH |
WMT |
| Zone Low |
$360.80 |
$71.43 |
| Zone High |
$408.90 |
$80.95 |
| In Buy Zone? |
Yes
|
No
|