CVS Health vs UnitedHealth Group: Fair Value & Quality
Both stocks run through our valuation models. Here is how CVS Health (CVS) and UnitedHealth Group (UNH) compare, as of Aug 14, 2026.
As of Aug 14, 2026, Fair Value Calculator sees UnitedHealth Group as the more attractively valued of the two: CVS Health trades at $94.99 versus a fair value of $42.25 (-56%), while UnitedHealth Group trades at $399 versus $526 (+32%).
CVS Health
CVS · USD · Health Care
-56%
upside to fair value
overvalued
Price$94.99
Fair Value$42.25
Quality57/100
UnitedHealth Group
UNH · USD · Health Care
+32%
upside to fair value
undervalued
Price$399
Fair Value$526
Quality62/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
CVS HealthUnitedHealth Group
Valuation
45.7×P/E (TTM)31.9×
0.33×P/S (TTM)0.86×
1.77×P/B4.09×
12.0×EV/EBITDA20.2×
0.29×PEG1.49×
2.6%Dividend yield2.1%
$2.66Dividend per share$8.84
Profitability
1%Net margin3%
4%Operating margin8%
4%Return on equity12%
3%Return on assets4%
Growth
6%Revenue growth (YoY)2%
7.6%Avg. growth/yr (3Y)11.4%
8.4%Avg. growth/yr (5Y)11.7%
Balance & size
0.80×Debt / equity0.77×
$133BMarket cap$384B
healthyGrowth qualityhealthy
UnitedHealth Group leads: 6 to 8 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
CVS Healthof which business quality 55 · market factors 76UnitedHealth Groupof which business quality 60 · market factors 79
ProfitabilityMargins and returns on capital today
39
52
Quality GrowthAre margins and returns improving?
51
48
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
90
76
Low VolatilityCalm price path (market factor)
78
69
MomentumPrice trend over the last 3–12 months (market factor)
71
81
52W MomentumDistance to the 52-week high (market factor)
82
85
Net IssuanceBuybacks instead of dilution
85
99
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
CVS Health
DCF Models$87.88
Earnings-Based$28.26
Dividend Discount$46.85
Multiples$47.77
Asset-Based$39.50
Growth DCF$91.32
Economic Profit$40.86
Growth Earnings$26.41
21 of 26 models see the stock below the current price.
UnitedHealth Group
DCF Models$362
Earnings-Based$196
Multiples$259
Asset-Based$69.43
Growth DCF$382
Economic Profit$186
Growth Earnings$292
19 of 24 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
CVS Health
Bear $22.86Fair Value $42.25Bull $70.87
$94.99 = current price (white tick)
UnitedHealth Group
Bear $368Fair Value $526Bull $657
$399 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
CVS Health · Health Care
Quality score57 · above median
Fair value upside-56% · below median
UnitedHealth Group · Health Care
Quality score62 · above median
Fair value upside+32% · Top 25%
Bottom line
As of Aug 14, 2026, Fair Value Calculator sees UnitedHealth Group as the more attractively valued of the two: CVS Health trades at $94.99 versus a fair value of $42.25 (-56%), while UnitedHealth Group trades at $399 versus $526 (+32%).
UnitedHealth Group has the higher quality score (62/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
