Air Products and Chemicals Inc (APD)vsUnitedHealth Group Incorporated (UNH)
APD
Air Products and Chemicals Inc
$290.09
+1.06%
BASIC MATERIALS · Cap: $64.59B
UNH
UnitedHealth Group Incorporated
$270.55
-1.09%
HEALTHCARE · Cap: $245.57B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 3566% more annual revenue ($447.57B vs $12.21B). UNH leads profitability with a 2.7% profit margin vs -2.7%. UNH appears more attractively valued with a PEG of 0.98. UNH earns a higher WallStSmart Score of 59/100 (C).
APD
Hold42
out of 100
Grade: D
UNH
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for APD.
Margin of Safety
-197.5%
Fair Value
$89.96
Current Price
$270.55
$180.59 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Strong operational efficiency at 24.3%
Mega-cap, among the largest globally
Strong operational efficiency at 34.0%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
ROE of -1.7% — below average capital efficiency
2.7% margin — thin
Earnings declined 99.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : APD
The strongest argument for APD centers on Market Cap, Operating Margin.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, Operating Margin, PEG Ratio. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : APD
The primary concerns for APD are Debt/Equity, Piotroski F-Score, PEG Ratio.
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
APD profiles as a turnaround stock while UNH is a value play — different risk/reward profiles.
APD carries more volatility with a beta of 0.86 — 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 (59/100 vs 42/100) 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.
Air Products and Chemicals Inc
BASIC MATERIALS · SPECIALTY CHEMICALS · USA
Air Products and Chemicals, Inc. is an American international corporation whose principal business is selling gases and chemicals for industrial uses. Air Products' headquarters is in Allentown, Pennsylvania.
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 SPECIALTY CHEMICALS Stocks
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