Nomura Holdings Inc ADR (NMR)vsUnitedHealth Group Incorporated (UNH)
NMR
Nomura Holdings Inc ADR
$8.41
-2.77%
FINANCIAL SERVICES · Cap: $25.46B
UNH
UnitedHealth Group Incorporated
$399.47
+0.36%
HEALTHCARE · Cap: $373.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Nomura Holdings Inc ADR generates 382% more annual revenue ($2.17T vs $449.71B). NMR leads profitability with a 16.7% profit margin vs 2.7%. NMR appears more attractively valued with a PEG of 0.82. NMR earns a higher WallStSmart Score of 70/100 (B-).
NMR
Strong Buy70
out of 100
Grade: B-
UNH
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for NMR.
Margin of Safety
-26.9%
Fair Value
$321.13
Current Price
$399.47
$78.34 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
Revenue surging 27.5% year-over-year
Mega-cap, among the largest globally
Generating 8.1B in free cash flow
Areas to Watch
4.5% earnings growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Premium valuation, high expectations priced in
2.0% revenue growth
0.7% earnings growth
2.7% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : NMR
The strongest argument for NMR centers on P/E Ratio, Price/Book, PEG Ratio. Profitability is solid with margins at 16.7% and operating margin at 18.7%. Revenue growth of 27.5% demonstrates continued momentum.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, Free Cash Flow. PEG of 1.42 suggests the stock is reasonably priced for its growth.
Bear Case : NMR
The primary concerns for NMR are EPS Growth, Free Cash Flow, Altman Z-Score. Debt-to-equity of 4.67 is elevated, increasing financial risk.
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
NMR profiles as a growth stock while UNH is a value play — different risk/reward profiles.
UNH carries more volatility with a beta of 0.65 — expect wider price swings.
NMR is growing revenue faster at 27.5% — sustainability is the question.
UNH generates stronger free cash flow (8.1B), providing more financial flexibility.
Bottom Line
NMR scores higher overall (70/100 vs 54/100), backed by strong 16.7% margins and 27.5% revenue growth. Both earn "Strong 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.
Nomura Holdings Inc ADR
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Nomura Holdings, Inc. provides various financial services to individuals, corporations, financial institutions, governments, and government agencies worldwide. The company is headquartered in Tokyo, Japan.
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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