UNH vs XOM: Which Is the Better Buy?
Side-by-side comparison of UnitedHealth Group Incorporated and Exxon Mobil Corporation — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-11.
UnitedHealth Group Incorporated · Healthcare
$304.33
+41.3% upside to fair value
Med Conviction
Grade B+
VS
Exxon Mobil Corporation · Energy
$152.30
-33.0% upside to fair value
Med Conviction
Grade C+
QuantHub Verdict
UNH has more upside to fair value
(+41.3%).
UNH trades at a lower forward P/E
(15.1x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
UNH |
XOM |
| Current Price |
$304.33 |
$152.30 |
| Fair Value Estimate |
$430.00 |
$102.00 |
| Upside to Fair Value |
+41.3%
|
-33.0%
|
| Market Cap |
$276.2B |
$634.6B |
| Forward P/E |
15.1x
|
17.5x
|
| EV / EBITDA |
14.3x
|
9.8x
|
| Price / Sales |
0.6x
|
2.0x
|
| Price / FCF |
17.2x
|
26.9x
|
| Revenue Growth YoY |
+11.8%
|
-4.5%
|
| Gross Margin |
18.5%
|
21.7%
|
| Operating Margin |
4.2%
|
10.5%
|
| Return on Equity |
12.7%
|
11.1%
|
| Dividend Yield |
2.9% |
2.65% |
| FCF Yield |
5.82%
|
3.72%
|
| 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…
Exxon Mobil is a world-class integrated energy supermajor with unmatched Permian Basin scale following the Pioneer Natural Resources acquisition, a high-margin Guyana growth engine, and disciplined capital allocation. However, the stock remains significantly overvalued relative to its own 5-year history on every key metric. At $152, XOM trades at roughly 22x trailing earnings, 1.96x sales, and 27…
Accumulation Zones
| Metric |
UNH |
XOM |
| Zone Low |
$280.00 |
$77.00 |
| Zone High |
$340.00 |
$92.00 |
| In Buy Zone? |
Yes
|
No
|