WallStSmart

Bristol-Myers Squibb Company (BMY)vsUnitedHealth Group Incorporated (UNH)

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Smart Verdict

WallStSmart Research — data-driven comparison

UnitedHealth Group Incorporated generates 828% more annual revenue ($449.71B vs $48.48B). BMY leads profitability with a 15.0% profit margin vs 2.7%. UNH appears more attractively valued with a PEG of 1.27. BMY earns a higher WallStSmart Score of 60/100 (C+).

BMY

Buy

60

out of 100

Grade: C+

Growth: 4.7Profit: 9.0Value: 6.7Quality: 4.5
Piotroski: 6/9Altman Z: 1.42

UNH

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 7.3Quality: 4.8
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BMYUndervalued (+32.0%)

Margin of Safety

+32.0%

Fair Value

$88.08

Current Price

$56.16

$31.92 discount

UndervaluedFair: $88.08Overvalued
UNHUndervalued (+42.2%)

Margin of Safety

+42.2%

Fair Value

$639.72

Current Price

$379.98

$259.74 discount

UndervaluedFair: $639.72Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BMY4 strengths · Avg: 9.3/10
Return on EquityProfitability
38.7%10/10

Every $100 of equity generates 39 in profit

Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

Market CapQuality
$114.68B9/10

Large-cap with strong market position

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

UNH2 strengths · Avg: 9.0/10
Market CapQuality
$335.78B10/10

Mega-cap, among the largest globally

Free Cash FlowQuality
$8.15B8/10

Generating 8.1B in free cash flow

Areas to Watch

BMY4 concerns · Avg: 2.3/10
Revenue GrowthGrowth
2.6%4/10

2.6% revenue growth

PEG RatioValuation
181.372/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.422/10

Distress zone — elevated risk

Debt/EquityHealth
2.551/10

Elevated debt levels

UNH4 concerns · Avg: 3.8/10
P/E RatioValuation
27.9x4/10

Moderate valuation

Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

EPS GrowthGrowth
0.7%4/10

0.7% earnings growth

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : BMY

The strongest argument for BMY centers on Return on Equity, Operating Margin, Market Cap.

Bull Case : UNH

The strongest argument for UNH centers on Market Cap, Free Cash Flow. PEG of 1.27 suggests the stock is reasonably priced for its growth.

Bear Case : BMY

The primary concerns for BMY are Revenue Growth, PEG Ratio, Altman Z-Score. Debt-to-equity of 2.55 is elevated, increasing financial risk.

Bear Case : UNH

The primary concerns for UNH are P/E Ratio, Revenue Growth, EPS Growth. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

UNH carries more volatility with a beta of 0.65 — expect wider price swings.

BMY is growing revenue faster at 2.6% — sustainability is the question.

UNH generates stronger free cash flow (8.1B), providing more financial flexibility.

Monitor DRUG MANUFACTURERS - GENERAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BMY scores higher overall (60/100 vs 54/100). UNH offers better value entry with a 42.2% margin of safety. 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.

Bristol-Myers Squibb Company

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Bristol Myers Squibb (BMS) is an American multinational pharmaceutical company, headquartered in New York City. Bristol Myers Squibb manufactures prescription pharmaceuticals and biologics in several therapeutic areas, including cancer, AIDS, cardiovascular disease, diabetes, hepatitis, rheumatoid arthritis and psychiatric disorders.

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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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