Alignment Healthcare LLC (ALHC)vsUnitedHealth Group Incorporated (UNH)
ALHC
Alignment Healthcare LLC
$8.18
+1.61%
HEALTHCARE · Cap: $1.70B
UNH
UnitedHealth Group Incorporated
$407.10
+0.94%
HEALTHCARE · Cap: $360.32B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 9732% more annual revenue ($450.06B vs $4.58B). UNH leads profitability with a 3.5% profit margin vs 0.9%. UNH trades at a lower P/E of 25.8x. UNH earns a higher WallStSmart Score of 62/100 (C+).
ALHC
Buy58
out of 100
Grade: C
UNH
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+6.9%
Fair Value
$21.90
Current Price
$8.18
$13.72 discount
Margin of Safety
-25.9%
Fair Value
$326.16
Current Price
$407.10
$80.94 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 31.6% year-over-year
Earnings expanding 142.9% YoY
Mega-cap, among the largest globally
Earnings expanding 75.9% YoY
Generating 4.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
0.9% margin — thin
Operating margin of 3.1%
Elevated debt levels
Moderate valuation
3.5% margin — thin
Revenue declined 0.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : ALHC
The strongest argument for ALHC centers on Revenue Growth, EPS Growth. Revenue growth of 31.6% demonstrates continued momentum.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, EPS Growth, Free Cash Flow. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : ALHC
The primary concerns for ALHC are Market Cap, Profit Margin, Operating Margin. A P/E of 43.0x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.
Bear Case : UNH
The primary concerns for UNH are P/E Ratio, Profit Margin, Revenue Growth. Thin 3.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
ALHC profiles as a hypergrowth stock while UNH is a value play — different risk/reward profiles.
ALHC carries more volatility with a beta of 1.14 — expect wider price swings.
ALHC is growing revenue faster at 31.6% — sustainability is the question.
UNH generates stronger free cash flow (4.3B), providing more financial flexibility.
Bottom Line
UNH scores higher overall (62/100 vs 58/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Alignment Healthcare LLC
HEALTHCARE · HEALTHCARE PLANS · USA
Alignment Healthcare, Inc. provides a consumer-centric platform that provides personalized healthcare to seniors in the United States. The company is headquartered in Orange, California.
UnitedHealth Group Incorporated
HEALTHCARE · HEALTHCARE PLANS · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.
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