Eli Lilly and vs UnitedHealth Group: Fair Value & Quality
Both stocks run through our valuation models. Here is how Eli Lilly and (LLY) 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: Eli Lilly and trades at $1,209 versus a fair value of $389 (-68%), while UnitedHealth Group trades at $399 versus $526 (+32%).
Eli Lilly and
LLY · USD · Health Care
-68%
upside to fair value
overvalued
Price$1,209
Fair Value$389
Quality69/100
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).
Eli Lilly andUnitedHealth Group
Valuation
42.2×P/E (TTM)31.9×
14.67×P/S (TTM)0.86×
39.94×P/B4.09×
30.2×EV/EBITDA20.2×
1.54×PEG1.49×
0.5%Dividend yield2.1%
$6.23Dividend per share$8.84
Profitability
35%Net margin3%
49%Operating margin8%
107%Return on equity12%
21%Return on assets4%
Growth
56%Revenue growth (YoY)2%
31.7%Avg. growth/yr (3Y)11.4%
21.6%Avg. growth/yr (5Y)11.7%
Balance & size
1.54×Debt / equity0.77×
$1.1TMarket cap$384B
mixedGrowth qualityhealthy
Even match: 7 to 7 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.
Eli Lilly andof which business quality 65 · market factors 83UnitedHealth Groupof which business quality 60 · market factors 79
ProfitabilityMargins and returns on capital today
85
52
Quality GrowthAre margins and returns improving?
86
48
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
15
76
Low VolatilityCalm price path (market factor)
77
69
MomentumPrice trend over the last 3–12 months (market factor)
79
81
52W MomentumDistance to the 52-week high (market factor)
97
85
Net IssuanceBuybacks instead of dilution
93
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.
Eli Lilly and
DCF Models$334
Earnings-Based$239
Dividend Discount$115
Multiples$358
Asset-Based$19.94
Growth DCF$187
Economic Profit$347
Growth Earnings$375
26 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.
Eli Lilly and
Bear $216Fair Value $389Bull $582
$1,209 = 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.
Eli Lilly and · Health Care
Quality score69 · Top 25%
Fair value upside-68% · bottom 25%
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: Eli Lilly and trades at $1,209 versus a fair value of $389 (-68%), while UnitedHealth Group trades at $399 versus $526 (+32%).
Eli Lilly and has the higher quality score (69/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
