Molina Healthcare Inc (MOH)vsUnitedHealth Group Incorporated (UNH)
MOH
Molina Healthcare Inc
$198.10
-0.68%
HEALTHCARE · Cap: $10.82B
UNH
UnitedHealth Group Incorporated
$410.39
-0.80%
HEALTHCARE · Cap: $360.32B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 960% more annual revenue ($450.06B vs $42.47B). UNH leads profitability with a 3.5% profit margin vs -0.0%. MOH appears more attractively valued with a PEG of 0.89. UNH earns a higher WallStSmart Score of 62/100 (C+).
MOH
Hold45
out of 100
Grade: D+
UNH
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for MOH.
Margin of Safety
-25.9%
Fair Value
$326.16
Current Price
$410.39
$84.23 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Reasonable price relative to book value
Mega-cap, among the largest globally
Earnings expanding 75.9% YoY
Generating 4.3B in free cash flow
Areas to Watch
Operating margin of 1.4%
Premium valuation, high expectations priced in
ROE of -0.2% — below average capital efficiency
Revenue declined 5.7%
Moderate valuation
3.5% margin — thin
Revenue declined 0.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : MOH
The strongest argument for MOH centers on Altman Z-Score, PEG Ratio, Price/Book. PEG of 0.89 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 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : MOH
The primary concerns for MOH are Operating Margin, P/E Ratio, Return on Equity. A P/E of 2304.0x leaves little room for execution misses.
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
MOH profiles as a turnaround stock while UNH is a value play — different risk/reward profiles.
MOH carries more volatility with a beta of 0.78 — expect wider price swings.
UNH is growing revenue faster at -0.4% — 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 45/100). Both earn "Buy" and "Hold" 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
Want to dig deeper into these stocks?