WallStSmart

CubeSmart (CUBE)vsUnitedHealth Group Incorporated (UNH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UnitedHealth Group Incorporated generates 39664% more annual revenue ($447.57B vs $1.13B). CUBE leads profitability with a 29.6% 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).

CUBE

Buy

54

out of 100

Grade: C-

Growth: 4.0Profit: 8.0Value: 4.7Quality: 4.5
Piotroski: 3/9Altman Z: 0.57

UNH

Buy

59

out of 100

Grade: C

Growth: 5.3Profit: 5.0Value: 7.3Quality: 5.8
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CUBESignificantly Overvalued (-297.2%)

Margin of Safety

-297.2%

Fair Value

$9.72

Current Price

$36.20

$26.48 premium

UndervaluedFair: $9.72Overvalued
UNHSignificantly Overvalued (-202.7%)

Margin of Safety

-202.7%

Fair Value

$89.96

Current Price

$270.55

$180.59 premium

UndervaluedFair: $89.96Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CUBE2 strengths · Avg: 9.5/10
Operating MarginProfitability
39.5%10/10

Strong operational efficiency at 39.5%

Profit MarginProfitability
29.6%9/10

Keeps 30 of every $100 in revenue as profit

UNH3 strengths · Avg: 8.7/10
Market CapQuality
$250.15B10/10

Mega-cap, among the largest globally

PEG RatioValuation
0.988/10

Growing faster than its price suggests

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

CUBE4 concerns · Avg: 3.0/10
P/E RatioValuation
25.4x4/10

Moderate valuation

Debt/EquityHealth
1.263/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
5.332/10

Expensive relative to growth rate

UNH3 concerns · Avg: 2.7/10
Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Operating MarginProfitability
0.3%3/10

Operating margin of 0.3%

EPS GrowthGrowth
-99.9%2/10

Earnings declined 99.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : CUBE

The strongest argument for CUBE centers on Operating Margin, Profit Margin. Profitability is solid with margins at 29.6% and operating margin at 39.5%.

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 : CUBE

The primary concerns for CUBE are P/E Ratio, Debt/Equity, Piotroski F-Score.

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

CUBE profiles as a mature stock while UNH is a value play — different risk/reward profiles.

CUBE carries more volatility with a beta of 1.11 — 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 54/100) and 12.3% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

CubeSmart

REAL ESTATE · REIT - INDUSTRIAL · USA

CubeSmart is a self-managed and self-managed real estate investment trust.

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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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