WallStSmart

Fomento Economico Mexicano (FMX)vsUnitedHealth Group Incorporated (UNH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Fomento Economico Mexicano generates 88% more annual revenue ($840.95B vs $447.57B). UNH leads profitability with a 2.7% profit margin vs 2.3%. UNH appears more attractively valued with a PEG of 0.98. UNH earns a higher WallStSmart Score of 59/100 (C).

FMX

Buy

59

out of 100

Grade: C

Growth: 8.0Profit: 5.5Value: 6.7Quality: 5.3
Piotroski: 2/9Altman Z: 2.46

UNH

Buy

59

out of 100

Grade: C

Growth: 5.3Profit: 6.5Value: 7.3Quality: 5.8
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FMXUndervalued (+15.9%)

Margin of Safety

+15.9%

Fair Value

$134.78

Current Price

$108.51

$26.27 discount

UndervaluedFair: $134.78Overvalued
UNHSignificantly Overvalued (-197.5%)

Margin of Safety

-197.5%

Fair Value

$89.96

Current Price

$270.55

$180.59 premium

UndervaluedFair: $89.96Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FMX2 strengths · Avg: 9.0/10
EPS GrowthGrowth
63.8%10/10

Earnings expanding 63.8% YoY

Free Cash FlowQuality
$9.49B8/10

Generating 9.5B in free cash flow

UNH4 strengths · Avg: 9.0/10
Market CapQuality
$245.57B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
34.0%10/10

Strong operational efficiency at 34.0%

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

FMX4 concerns · Avg: 3.0/10
P/E RatioValuation
36.7x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
2.3%3/10

2.3% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
5.972/10

Expensive relative to growth rate

UNH2 concerns · Avg: 2.5/10
Profit MarginProfitability
2.7%3/10

2.7% margin — thin

EPS GrowthGrowth
-99.9%2/10

Earnings declined 99.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : FMX

The strongest argument for FMX centers on EPS Growth, Free Cash Flow.

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 : FMX

The primary concerns for FMX are P/E Ratio, Profit Margin, Piotroski F-Score. Thin 2.3% 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

UNH carries more volatility with a beta of 0.38 — expect wider price swings.

UNH is growing revenue faster at 12.3% — sustainability is the question.

FMX generates stronger free cash flow (9.5B), providing more financial flexibility.

Monitor BEVERAGES - BREWERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FMX scores higher overall (59/100 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.

Fomento Economico Mexicano

CONSUMER DEFENSIVE · BEVERAGES - BREWERS · USA

Fomento Econmico Mexicano, SAB de CV, is a bottler of Coca-Cola brand beverages. The company is headquartered in Monterrey, Mexico.

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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