Lennox International Inc (LII)vsUnitedHealth Group Incorporated (UNH)
LII
Lennox International Inc
$541.37
+3.67%
INDUSTRIALS · Cap: $18.32B
UNH
UnitedHealth Group Incorporated
$367.28
+0.94%
HEALTHCARE · Cap: $336.72B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 8453% more annual revenue ($449.71B vs $5.26B). LII leads profitability with a 15.1% profit margin vs 2.7%. UNH appears more attractively valued with a PEG of 1.28. LII earns a higher WallStSmart Score of 56/100 (C).
LII
Buy56
out of 100
Grade: C
UNH
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.6%
Fair Value
$370.16
Current Price
$541.37
$171.21 premium
Margin of Safety
+43.1%
Fair Value
$639.67
Current Price
$367.28
$272.39 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 77 in profit
Safe zone — low bankruptcy risk
Mega-cap, among the largest globally
Generating 8.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Trading at 16.2x book value
Weak financial health signals
Earnings declined 0.6%
Moderate valuation
2.0% revenue growth
0.7% earnings growth
2.7% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : LII
The strongest argument for LII centers on Return on Equity, Altman Z-Score. Profitability is solid with margins at 15.1% and operating margin at 14.4%.
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 : LII
The primary concerns for LII are PEG Ratio, Price/Book, Piotroski F-Score.
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
LII profiles as a mature stock while UNH is a value play — different risk/reward profiles.
LII carries more volatility with a beta of 1.21 — expect wider price swings.
LII is growing revenue faster at 5.8% — sustainability is the question.
UNH generates stronger free cash flow (8.1B), providing more financial flexibility.
Bottom Line
LII scores higher overall (56/100 vs 54/100), backed by strong 15.1% margins. UNH offers better value entry with a 43.1% margin of safety. 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.
Lennox International Inc
INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA
Lennox International Inc. designs, manufactures and markets a range of products for the heating, ventilation, air conditioning and refrigeration markets in the United States, Canada and internationally. The company is headquartered in Richardson, Texas.
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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