Head to head · SEC data as of September 11, 2026
UnitedHealth
59
Quality score · out of 100
CVS Health
35
Quality score · out of 100
UnitedHealth comes in ahead: a quality score of 59 versus 35 for CVS Health. UnitedHealth wins on ROE (13.5% vs 6.1%), revenue growth (10.7% vs 8.2%) and earnings growth (-0.5% vs -6.7%). CVS Health doesn't take a single major metric today.
| Metric | UnitedHealth | CVS Health |
|---|---|---|
| Quality score (0-100) | 59 | 35 |
| Net margin | 3.1% | 1.2% |
| Gross margin | — | — |
| ROE | 13.5% | 6.1% |
| Net debt/EBITDA | 1.89× | 4.16× |
| FCF margin | 5.2% | 2.8% |
| Revenue growth (annualized) | 10.7% | 8.2% |
| Earnings growth (annualized) | -0.5% | -6.7% |
TTM metrics with official SEC data, refreshed daily. Bold green marks the winner of each metric. A dash means the metric doesn't apply or isn't reliable.
UnitedHealth. UnitedHealth is the largest health company in the U.S. It combines health insurance (UnitedHealthcare) with health services, data and pharmacy (Optum). It's a giant present across almost the entire U.S. healthcare chain.
CVS Health. CVS Health is a healthcare conglomerate: the largest U.S. pharmacy chain, a major insurer (Aetna) and a pharmacy-benefit manager (Caremark). Vertical integration promised synergies; so far it has delivered complexity and debt.
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What this comparison doesn't tell you
The score measures business quality, not whether the stock is cheap or expensive: the better company can be the worse investment if you overpay. For the valuation verdict, enter each one's current price in the analyzer:
Who has the stronger fundamentals today, UnitedHealth or CVS Health?
By the StockSemáforo model (profitability, growth and financial strength, built on official SEC data), UnitedHealth scores higher: 59 versus 35 out of 100. The score is recomputed nightly with the latest filings.
Does that make UnitedHealth the better investment?
No. The score measures business quality, not valuation: an excellent company can trade at an excessive price and be a poor investment at that price. To find out whether it's cheap or expensive, enter its current quote in the StockSemáforo analyzer.
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Who's behind the methodology and model · how the score is computed
Data: official SEC filings (EDGAR) · Recomputed on September 11, 2026
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