Elevance Health Inc (ELV)vsUnitedHealth Group Incorporated (UNH)
ELV
Elevance Health Inc
$418.72
+0.52%
HEALTHCARE · Cap: $90.81B
UNH
UnitedHealth Group Incorporated
$379.09
-2.37%
HEALTHCARE · Cap: $340.27B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 124% more annual revenue ($450.53B vs $201.11B). UNH leads profitability with a 3.1% profit margin vs 2.5%. UNH appears more attractively valued with a PEG of 1.06. UNH earns a higher WallStSmart Score of 62/100 (C+).
ELV
Buy52
out of 100
Grade: C-
UNH
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-0.7%
Fair Value
$415.84
Current Price
$418.72
$2.88 premium
Margin of Safety
-16.1%
Fair Value
$326.53
Current Price
$379.09
$52.56 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Reasonable price relative to book value
Generating 1.6B in free cash flow
Mega-cap, among the largest globally
Earnings expanding 61.5% YoY
Generating 10.3B in free cash flow
Areas to Watch
1.4% revenue growth
2.5% margin — thin
Operating margin of 4.6%
Earnings declined 13.1%
0.4% revenue growth
3.1% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : ELV
The strongest argument for ELV centers on Market Cap, Price/Book, Free Cash Flow. PEG of 1.36 suggests the stock is reasonably priced for its growth.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, EPS Growth, Free Cash Flow. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bear Case : ELV
The primary concerns for ELV are Revenue Growth, Profit Margin, Operating Margin. Thin 2.5% margins leave little buffer for downturns.
Bear Case : UNH
The primary concerns for UNH are Revenue Growth, Profit Margin. Thin 3.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
ELV carries more volatility with a beta of 0.70 — expect wider price swings.
ELV is growing revenue faster at 1.4% — sustainability is the question.
UNH generates stronger free cash flow (10.3B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNH scores higher overall (62/100 vs 52/100). 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.
Elevance Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.
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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