Molina Healthcare Inc (MOH)vsUnitedHealth Group Incorporated (UNH)
MOH
Molina Healthcare Inc
$192.16
-1.72%
HEALTHCARE · Cap: $10.04B
UNH
UnitedHealth Group Incorporated
$370.75
-1.86%
HEALTHCARE · Cap: $336.72B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 944% more annual revenue ($449.71B vs $43.10B). UNH leads profitability with a 2.7% profit margin vs 0.4%. UNH appears more attractively valued with a PEG of 1.28. UNH earns a higher WallStSmart Score of 54/100 (C-).
MOH
Hold44
out of 100
Grade: D
UNH
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for MOH.
Margin of Safety
+43.1%
Fair Value
$639.67
Current Price
$370.75
$268.92 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Generating 1.1B in free cash flow
Mega-cap, among the largest globally
Generating 8.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 4.5% — below average capital efficiency
0.4% margin — thin
Operating margin of 1.7%
Moderate valuation
2.0% revenue growth
0.7% earnings growth
2.7% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : MOH
The strongest argument for MOH centers on Altman Z-Score, Price/Book, Free Cash Flow.
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 : MOH
The primary concerns for MOH are PEG Ratio, Return on Equity, Profit Margin. A P/E of 51.5x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.
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
UNH carries more volatility with a beta of 0.65 — expect wider price swings.
UNH is growing revenue faster at 2.0% — sustainability is the question.
UNH generates stronger free cash flow (8.1B), providing more financial flexibility.
Monitor HEALTHCARE PLANS 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.
Molina Healthcare Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Molina Healthcare, Inc. provides managed care services to low-income individuals and families under the Medicaid and Medicare programs and through the state insurance marketplaces. The company is headquartered in Long Beach, California.
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.
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