Cvs Health vs UnitedHealth
CVS and UNH side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CVS and UNH compare
UnitedHealth is the larger company, worth 3.2 times as much as Cvs Health ($365B against $115B).
On earnings, Cvs Health is cheaper: it trades at 23.9× trailing earnings, against 26.2× for UnitedHealth.
Cvs Health grew revenue faster over the last twelve months (7.4% versus 6.5% for UnitedHealth).
UnitedHealth keeps more of each dollar of sales as profit, with a net margin of 3.1% compared with 1.2% at Cvs Health.
Both pay dividends: Cvs Health yields 2.2% and UnitedHealth 2.2%.
Cvs Health scores higher on the StockData Score (12 against 11 for UnitedHealth), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CVS | UNH |
|---|---|---|
| Size and price | ||
| Market cap | $115B | $365B |
| Share price | $90.25 | $406.97 |
| Change, 1 year | 12.0% | 14.6% |
| Change, 5 years | −3.8% | −10.7% |
| Beta (5Y) | 0.47 | 0.32 |
| Employees | 300K | 390K |
| StockData Score | ||
| Total score | 12 (better) | 11 |
| Valuation score | 1 (better) | 0 |
| Growth score | 3 | 3 |
| Performance score | 2 | 2 |
| Health score | 2 | 2 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 23.9× (better) | 26.2× |
| P/S | 0.3× (better) | 0.8× |
| P/B | 1.4× | – |
| EV/EBITDA | 12.7× (better) | 15.9× |
| P/FCF | 9.8× (better) | 15.5× |
| FCF yield | 10.2% (better) | 6.5% |
| Fair value | $77.92 | – |
| Margin of safety | −15.8% | – |
| Growth | ||
| Revenue growth (TTM) | 7.4% (better) | 6.5% |
| Revenue growth, 5Y average | 8.4% | 11.7% (better) |
| Net income growth (TTM) | 7.9% (better) | −33.7% |
| EPS growth (TTM) | 5.3% (better) | −32.7% |
| EPS growth, 5Y average | −23.9% | −3.8% (better) |
| Profitability | ||
| Gross margin | 44.5% | 88.6% (better) |
| Operating margin | 2.0% | 4.8% (better) |
| Net margin | 1.2% | 3.1% (better) |
| FCF margin | 2.8% | 5.2% (better) |
| Return on equity | 6.2% | – |
| Return on invested capital | 5.5% | – |
| Financial health | ||
| Debt / equity | 0.77 | – |
| Net debt / EBITDA | 3.70 | 1.61 (better) |
| Interest coverage | 2.7× | 5.6× (better) |
| Current ratio | 0.87 (better) | 0.78 |
| Altman Z-score | 2.45 | 3.12 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 2.2% | 2.2% (better) |
| Payout ratio | 69.9% | 57.3% |
| Years of dividend growth | 0 | 16 (better) |
| Dividend growth, 5Y average | 5.9% | 12.6% (better) |
| Buyback yield | – | 0.28% |
| Shareholder yield | 2.2% | 2.5% (better) |
| Ownership | ||
| Held by institutions | 89.2% | 87.7% |
| Held by insiders | 0.43% | 0.18% |
| Insider net buying, 12 months | −$324M | −$945K (better) |
| Superinvestors holding | 6 | 8 (better) |
| Short interest, % of float | 1.3% | 1.8% |
Go deeper
- CVS stock overview
- CVS income statement
- CVS valuation and score
- UNH stock overview
- UNH income statement
- UNH valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.