Progyny Inc (PGNY)vsUnitedHealth Group Incorporated (UNH)
PGNY
Progyny Inc
$17.75
-1.66%
HEALTHCARE · Cap: $1.48B
UNH
UnitedHealth Group Incorporated
$270.55
-0.64%
HEALTHCARE · Cap: $250.15B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 34631% more annual revenue ($447.57B vs $1.29B). PGNY leads profitability with a 4.5% profit margin vs 2.7%. UNH trades at a lower P/E of 20.8x. UNH earns a higher WallStSmart Score of 59/100 (C).
PGNY
Hold50
out of 100
Grade: D+
UNH
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+16.6%
Fair Value
$25.84
Current Price
$17.75
$8.09 discount
Margin of Safety
-202.7%
Fair Value
$89.96
Current Price
$270.55
$180.59 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Earnings expanding 20.6% YoY
Mega-cap, among the largest globally
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Moderate valuation
Smaller company, higher risk/reward
4.5% margin — thin
2.7% margin — thin
Operating margin of 0.3%
Earnings declined 99.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : PGNY
The strongest argument for PGNY centers on Altman Z-Score, Price/Book, EPS Growth.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, PEG Ratio, Price/Book. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : PGNY
The primary concerns for PGNY are P/E Ratio, Market Cap, Profit Margin. Thin 4.5% margins leave little buffer for downturns.
Bear Case : UNH
The primary concerns for UNH are Profit Margin, Operating Margin, EPS Growth. Thin 2.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
PGNY carries more volatility with a beta of 1.01 — 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.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNH scores higher overall (59/100 vs 50/100) and 12.3% revenue growth. PGNY offers better value entry with a 16.6% margin of safety. 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.
Progyny Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Progyny, Inc., a benefits management company, specializes in fertility benefits and family development solutions for employers in the United States. The company is headquartered in New York, New York.
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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