Fresenius Medical Care Corporation (FMS)vsUnitedHealth Group Incorporated (UNH)
FMS
Fresenius Medical Care Corporation
$22.26
+1.04%
HEALTHCARE · Cap: $12.47B
UNH
UnitedHealth Group Incorporated
$270.55
-0.92%
HEALTHCARE · Cap: $245.57B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 2180% more annual revenue ($447.57B vs $19.63B). FMS leads profitability with a 5.0% profit margin vs 2.7%. FMS appears more attractively valued with a PEG of 0.73. FMS earns a higher WallStSmart Score of 62/100 (C+).
FMS
Buy62
out of 100
Grade: C+
UNH
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.4%
Fair Value
$90.32
Current Price
$22.26
$68.06 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
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
4.2% earnings growth
Grey zone — moderate risk
ROE of 7.9% — below average capital efficiency
5.0% margin — thin
2.7% margin — thin
Earnings declined 99.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : FMS
The strongest argument for FMS centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.73 suggests the stock is reasonably priced for its growth.
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 : FMS
The primary concerns for FMS are EPS Growth, Altman Z-Score, Return on Equity. Thin 5.0% margins leave little buffer for downturns.
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
FMS carries more volatility with a beta of 0.94 — expect wider price swings.
UNH is growing revenue faster at 12.3% — sustainability is the question.
FMS generates stronger free cash flow (564M), providing more financial flexibility.
Monitor MEDICAL CARE FACILITIES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FMS scores higher overall (62/100 vs 59/100). 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.
Fresenius Medical Care Corporation
HEALTHCARE · MEDICAL CARE FACILITIES · USA
Fresenius Medical Care AG & Co. KGaA provides dialysis care and related dialysis care services in Germany, North America and internationally. The company is headquartered in Bad Homburg, Germany.
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 MEDICAL CARE FACILITIES Stocks
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