WallStSmart

Carrier Global Corp (CARR)vsUnitedHealth Group Incorporated (UNH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UnitedHealth Group Incorporated generates 1956% more annual revenue ($449.71B vs $21.87B). CARR leads profitability with a 6.0% profit margin vs 2.7%. UNH appears more attractively valued with a PEG of 1.28. UNH earns a higher WallStSmart Score of 54/100 (C-).

CARR

Hold

43

out of 100

Grade: D

Growth: 4.0Profit: 4.5Value: 4.0Quality: 5.0
Piotroski: 2/9Altman Z: 1.62

UNH

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 7.3Quality: 4.8
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CARROvervalued (-12.5%)

Margin of Safety

-12.5%

Fair Value

$59.64

Current Price

$67.90

$8.26 premium

UndervaluedFair: $59.64Overvalued
UNHUndervalued (+43.1%)

Margin of Safety

+43.1%

Fair Value

$639.67

Current Price

$367.28

$272.39 discount

UndervaluedFair: $639.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CARR1 strengths · Avg: 9.0/10
Market CapQuality
$56.16B9/10

Large-cap with strong market position

UNH2 strengths · Avg: 9.0/10
Market CapQuality
$336.72B10/10

Mega-cap, among the largest globally

Free Cash FlowQuality
$8.15B8/10

Generating 8.1B in free cash flow

Areas to Watch

CARR4 concerns · Avg: 3.8/10
PEG RatioValuation
1.624/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.4%4/10

2.4% revenue growth

Altman Z-ScoreHealth
1.624/10

Distress zone — elevated risk

Profit MarginProfitability
6.0%3/10

6.0% margin — thin

UNH4 concerns · Avg: 3.8/10
P/E RatioValuation
27.9x4/10

Moderate valuation

Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

EPS GrowthGrowth
0.7%4/10

0.7% earnings growth

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CARR

The strongest argument for CARR centers on Market Cap.

Bull Case : UNH

The strongest argument for UNH centers on Market Cap, Free Cash Flow. PEG of 1.28 suggests the stock is reasonably priced for its growth.

Bear Case : CARR

The primary concerns for CARR are PEG Ratio, Revenue Growth, Altman Z-Score. A P/E of 45.1x leaves little room for execution misses.

Bear Case : UNH

The primary concerns for UNH are P/E Ratio, Revenue Growth, EPS Growth. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

CARR carries more volatility with a beta of 1.32 — expect wider price swings.

CARR is growing revenue faster at 2.4% — sustainability is the question.

UNH generates stronger free cash flow (8.1B), providing more financial flexibility.

Monitor BUILDING PRODUCTS & EQUIPMENT industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UNH scores higher overall (54/100 vs 43/100). 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.

Carrier Global Corp

INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA

Carrier Global Corporation is an American multinational home appliances corporation based in Palm Beach Gardens, Florida.

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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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