WallStSmart

Lumentum Holdings Inc (LITE)vsUnitedHealth Group Incorporated (UNH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UnitedHealth Group Incorporated generates 17972% more annual revenue ($449.71B vs $2.49B). LITE leads profitability with a 17.7% profit margin vs 2.7%. LITE appears more attractively valued with a PEG of 0.63. LITE earns a higher WallStSmart Score of 74/100 (B).

LITE

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 5.0Quality: 3.8
Piotroski: 4/9Altman Z: 0.58

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

Intrinsic value data unavailable for LITE.

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

LITE6 strengths · Avg: 9.0/10
Revenue GrowthGrowth
90.1%10/10

Revenue surging 90.1% year-over-year

EPS GrowthGrowth
71.1%10/10

Earnings expanding 71.1% YoY

Market CapQuality
$69.44B9/10

Large-cap with strong market position

Return on EquityProfitability
22.8%9/10

Every $100 of equity generates 23 in profit

PEG RatioValuation
0.638/10

Growing faster than its price suggests

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

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

LITE3 concerns · Avg: 2.0/10
P/E RatioValuation
156.3x2/10

Premium valuation, high expectations priced in

Price/BookValuation
76.2x2/10

Trading at 76.2x book value

Altman Z-ScoreHealth
0.582/10

Distress zone — elevated risk

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 : LITE

The strongest argument for LITE centers on Revenue Growth, EPS Growth, Market Cap. Profitability is solid with margins at 17.7% and operating margin at 21.8%. Revenue growth of 90.1% demonstrates continued momentum.

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 : LITE

The primary concerns for LITE are P/E Ratio, Price/Book, Altman Z-Score. A P/E of 156.3x leaves little room for execution misses.

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

LITE profiles as a growth stock while UNH is a value play — different risk/reward profiles.

LITE carries more volatility with a beta of 1.53 — expect wider price swings.

LITE is growing revenue faster at 90.1% — sustainability is the question.

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

Bottom Line

LITE scores higher overall (74/100 vs 54/100), backed by strong 17.7% margins and 90.1% revenue growth. UNH offers better value entry with a 42.2% margin of safety. Both earn "Strong 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.

Lumentum Holdings Inc

TECHNOLOGY · COMMUNICATION EQUIPMENT · USA

Lumentum Holdings Inc. manufactures and sells optical and photonic products in the Americas, Asia-Pacific, Europe, the Middle East, and Africa. The company is headquartered in San Jose, 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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