Molina Healthcare Inc (MOH)vsUnitedHealth Group Incorporated (UNH)
MOH
Molina Healthcare Inc
$139.41
-1.97%
HEALTHCARE · Cap: $7.18B
UNH
UnitedHealth Group Incorporated
$275.59
-1.73%
HEALTHCARE · Cap: $261.02B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 927% more annual revenue ($447.57B vs $43.56B). MOH leads profitability with a 108.0% profit margin vs 2.7%. UNH appears more attractively valued with a PEG of 1.02. UNH earns a higher WallStSmart Score of 57/100 (C).
MOH
Buy54
out of 100
Grade: C-
UNH
Buy57
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-102.2%
Fair Value
$60.66
Current Price
$139.41
$78.75 premium
Margin of Safety
-211.7%
Fair Value
$89.96
Current Price
$275.59
$185.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 108 of every $100 in revenue as profit
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Mega-cap, among the largest globally
Strong operational efficiency at 34.0%
Reasonable price relative to book value
Areas to Watch
Earnings declined 73.4%
Negative free cash flow — burning cash
Operating margin of -150.0%
2.7% margin — thin
Earnings declined 99.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : MOH
The strongest argument for MOH centers on Profit Margin, Altman Z-Score, P/E Ratio. Profitability is solid with margins at 108.0% and operating margin at -150.0%. PEG of 1.38 suggests the stock is reasonably priced for its growth.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, Operating Margin, Price/Book. Revenue growth of 12.3% demonstrates continued momentum. PEG of 1.02 suggests the stock is reasonably priced for its growth.
Bear Case : MOH
The primary concerns for MOH are EPS Growth, Free Cash Flow, Operating Margin.
Bear Case : UNH
The primary concerns for UNH are Profit Margin, EPS Growth. Thin 2.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
MOH profiles as a mature stock while UNH is a value play — different risk/reward profiles.
MOH carries more volatility with a beta of 0.50 — expect wider price swings.
UNH is growing revenue faster at 12.3% — sustainability is the question.
UNH generates stronger free cash flow (160M), providing more financial flexibility.
Bottom Line
UNH scores higher overall (57/100 vs 54/100) and 12.3% revenue growth. 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.
Molina Healthcare Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Molina Healthcare, Inc. provides managed care services to low-income individuals and families under the Medicaid and Medicare programs and through the state insurance marketplaces. The company is headquartered in Long Beach, California.
Visit Website →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.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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