Alignment Healthcare LLC (ALHC)vsUnitedHealth Group Incorporated (UNH)
ALHC
Alignment Healthcare LLC
$17.58
+0.92%
HEALTHCARE · Cap: $3.56B
UNH
UnitedHealth Group Incorporated
$270.55
-0.64%
HEALTHCARE · Cap: $250.15B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 11234% more annual revenue ($447.57B vs $3.95B). UNH leads profitability with a 2.7% profit margin vs -0.0%. UNH earns a higher WallStSmart Score of 59/100 (C).
ALHC
Hold40
out of 100
Grade: F
UNH
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for ALHC.
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
Revenue surging 44.4% year-over-year
Safe zone — low bankruptcy risk
Mega-cap, among the largest globally
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Trading at 20.0x book value
0.0% earnings growth
ROE of -0.7% — below average capital efficiency
Negative free cash flow — burning cash
2.7% margin — thin
Operating margin of 0.3%
Earnings declined 99.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : ALHC
The strongest argument for ALHC centers on Revenue Growth, Altman Z-Score. Revenue growth of 44.4% demonstrates continued momentum.
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 : ALHC
The primary concerns for ALHC are Price/Book, EPS Growth, Return on Equity.
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
ALHC profiles as a hypergrowth stock while UNH is a value play — different risk/reward profiles.
ALHC carries more volatility with a beta of 1.19 — expect wider price swings.
ALHC is growing revenue faster at 44.4% — sustainability is the question.
UNH generates stronger free cash flow (160M), providing more financial flexibility.
Bottom Line
UNH scores higher overall (59/100 vs 40/100) and 12.3% revenue growth. 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.
Alignment Healthcare LLC
HEALTHCARE · HEALTHCARE PLANS · USA
Alignment Healthcare, Inc. provides a consumer-centric platform that provides personalized healthcare to seniors in the United States. The company is headquartered in Orange, 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.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?