Carrier Global Corp (CARR)vsUnitedHealth Group Incorporated (UNH)
CARR
Carrier Global Corp
$68.54
+3.34%
INDUSTRIALS · Cap: $59.08B
UNH
UnitedHealth Group Incorporated
$399.47
+0.36%
HEALTHCARE · Cap: $373.28B
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 1.42. UNH earns a higher WallStSmart Score of 54/100 (C-).
CARR
Hold44
out of 100
Grade: D
UNH
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-75.8%
Fair Value
$40.47
Current Price
$68.54
$28.07 premium
Margin of Safety
-26.9%
Fair Value
$321.13
Current Price
$399.47
$78.34 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Mega-cap, among the largest globally
Generating 8.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
2.4% revenue growth
Distress zone — elevated risk
6.0% margin — thin
Premium valuation, high expectations priced in
2.0% revenue growth
0.7% earnings growth
2.7% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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 1.42 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 47.4x 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 1.34 — 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 44/100). 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.
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 BUILDING PRODUCTS & EQUIPMENT Stocks
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