CVS vs. UNH: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CVS and UNH, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CVS | UNH |
|---|---|---|
| Company Name | CVS Health Corporation | UnitedHealth Group Incorporated |
| Country | United States | United States |
| GICS Sector | Health Care | Health Care |
| GICS Industry | Health Care Providers & Services | Health Care Providers & Services |
| Market Capitalization | 78.76 billion USD | 226.39 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 21, 1973 | October 17, 1984 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CVS and UNH by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | CVS | UNH |
|---|---|---|
| 5-Day Price Return | 2.31% | -11.21% |
| 13-Week Price Return | -4.51% | -39.02% |
| 26-Week Price Return | 13.84% | -53.14% |
| 52-Week Price Return | -1.71% | -56.70% |
| Month-to-Date Return | -9.97% | -20.01% |
| Year-to-Date Return | 38.34% | -50.67% |
| 10-Day Avg. Volume | 11.38M | 20.15M |
| 3-Month Avg. Volume | 9.41M | 15.92M |
| 3-Month Volatility | 31.23% | 57.20% |
| Beta | -0.61 | -0.20 |
Profitability
Return on Equity (TTM)
CVS
6.98%
Health Care Providers & Services Industry
- Max
- 26.03%
- Q3
- 13.74%
- Median
- 8.26%
- Q1
- 4.13%
- Min
- -3.62%
CVS’s Return on Equity of 6.98% is on par with the norm for the Health Care Providers & Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
UNH
22.26%
Health Care Providers & Services Industry
- Max
- 26.03%
- Q3
- 13.74%
- Median
- 8.26%
- Q1
- 4.13%
- Min
- -3.62%
In the upper quartile for the Health Care Providers & Services industry, UNH’s Return on Equity of 22.26% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
CVS
1.39%
Health Care Providers & Services Industry
- Max
- 12.40%
- Q3
- 5.93%
- Median
- 1.96%
- Q1
- 0.93%
- Min
- -6.10%
CVS’s Net Profit Margin of 1.39% is aligned with the median group of its peers in the Health Care Providers & Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
UNH
5.04%
Health Care Providers & Services Industry
- Max
- 12.40%
- Q3
- 5.93%
- Median
- 1.96%
- Q1
- 0.93%
- Min
- -6.10%
UNH’s Net Profit Margin of 5.04% is aligned with the median group of its peers in the Health Care Providers & Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
CVS
2.67%
Health Care Providers & Services Industry
- Max
- 19.05%
- Q3
- 10.21%
- Median
- 4.22%
- Q1
- 1.98%
- Min
- -4.27%
CVS’s Operating Profit Margin of 2.67% is around the midpoint for the Health Care Providers & Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
UNH
7.26%
Health Care Providers & Services Industry
- Max
- 19.05%
- Q3
- 10.21%
- Median
- 4.22%
- Q1
- 1.98%
- Min
- -4.27%
UNH’s Operating Profit Margin of 7.26% is around the midpoint for the Health Care Providers & Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | CVS | UNH |
|---|---|---|
| Return on Equity (TTM) | 6.98% | 22.26% |
| Return on Assets (TTM) | 2.08% | 7.01% |
| Net Profit Margin (TTM) | 1.39% | 5.04% |
| Operating Profit Margin (TTM) | 2.67% | 7.26% |
| Gross Profit Margin (TTM) | 14.05% | -- |
Financial Strength
Current Ratio (MRQ)
CVS
0.82
Health Care Providers & Services Industry
- Max
- 2.01
- Q3
- 1.49
- Median
- 1.30
- Q1
- 0.94
- Min
- 0.17
CVS’s Current Ratio of 0.82 falls into the lower quartile for the Health Care Providers & Services industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
UNH
0.81
Health Care Providers & Services Industry
- Max
- 2.01
- Q3
- 1.49
- Median
- 1.30
- Q1
- 0.94
- Min
- 0.17
UNH’s Current Ratio of 0.81 falls into the lower quartile for the Health Care Providers & Services industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
Debt-to-Equity Ratio (MRQ)
CVS
0.84
Health Care Providers & Services Industry
- Max
- 2.17
- Q3
- 1.18
- Median
- 0.74
- Q1
- 0.45
- Min
- 0.00
CVS’s Debt-to-Equity Ratio of 0.84 is typical for the Health Care Providers & Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
UNH
0.79
Health Care Providers & Services Industry
- Max
- 2.17
- Q3
- 1.18
- Median
- 0.74
- Q1
- 0.45
- Min
- 0.00
UNH’s Debt-to-Equity Ratio of 0.79 is typical for the Health Care Providers & Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio (TTM)
CVS
3.08
Health Care Providers & Services Industry
- Max
- 14.47
- Q3
- 7.15
- Median
- 5.45
- Q1
- 2.04
- Min
- -4.44
CVS’s Interest Coverage Ratio of 3.08 is positioned comfortably within the norm for the Health Care Providers & Services industry, indicating a standard and healthy capacity to cover its interest payments.
UNH
6.14
Health Care Providers & Services Industry
- Max
- 14.47
- Q3
- 7.15
- Median
- 5.45
- Q1
- 2.04
- Min
- -4.44
UNH’s Interest Coverage Ratio of 6.14 is positioned comfortably within the norm for the Health Care Providers & Services industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | CVS | UNH |
|---|---|---|
| Current Ratio (MRQ) | 0.82 | 0.81 |
| Quick Ratio (MRQ) | 0.63 | 0.60 |
| Debt-to-Equity Ratio (MRQ) | 0.84 | 0.79 |
| Interest Coverage Ratio (TTM) | 3.08 | 6.14 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
CVS
4.10%
Health Care Providers & Services Industry
- Max
- 5.38%
- Q3
- 2.22%
- Median
- 0.55%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 4.10%, CVS offers a more attractive income stream than most of its peers in the Health Care Providers & Services industry, signaling a strong commitment to shareholder returns.
UNH
3.38%
Health Care Providers & Services Industry
- Max
- 5.38%
- Q3
- 2.22%
- Median
- 0.55%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 3.38%, UNH offers a more attractive income stream than most of its peers in the Health Care Providers & Services industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio (TTM)
CVS
63.88%
Health Care Providers & Services Industry
- Max
- 186.69%
- Q3
- 74.82%
- Median
- 26.76%
- Q1
- 0.00%
- Min
- 0.00%
CVS’s Dividend Payout Ratio of 63.88% is within the typical range for the Health Care Providers & Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
UNH
36.54%
Health Care Providers & Services Industry
- Max
- 186.69%
- Q3
- 74.82%
- Median
- 26.76%
- Q1
- 0.00%
- Min
- 0.00%
UNH’s Dividend Payout Ratio of 36.54% is within the typical range for the Health Care Providers & Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | CVS | UNH |
|---|---|---|
| Dividend Yield (TTM) | 4.10% | 3.38% |
| Dividend Payout Ratio (TTM) | 63.88% | 36.54% |
Valuation
Price-to-Earnings Ratio (TTM)
CVS
15.58
Health Care Providers & Services Industry
- Max
- 55.89
- Q3
- 30.85
- Median
- 21.17
- Q1
- 12.63
- Min
- 0.00
CVS’s P/E Ratio of 15.58 is within the middle range for the Health Care Providers & Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
UNH
10.81
Health Care Providers & Services Industry
- Max
- 55.89
- Q3
- 30.85
- Median
- 21.17
- Q1
- 12.63
- Min
- 0.00
In the lower quartile for the Health Care Providers & Services industry, UNH’s P/E Ratio of 10.81 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
Price-to-Sales Ratio (TTM)
CVS
0.22
Health Care Providers & Services Industry
- Max
- 3.10
- Q3
- 1.74
- Median
- 0.67
- Q1
- 0.24
- Min
- 0.00
In the lower quartile for the Health Care Providers & Services industry, CVS’s P/S Ratio of 0.22 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
UNH
0.54
Health Care Providers & Services Industry
- Max
- 3.10
- Q3
- 1.74
- Median
- 0.67
- Q1
- 0.24
- Min
- 0.00
UNH’s P/S Ratio of 0.54 aligns with the market consensus for the Health Care Providers & Services industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
CVS
1.11
Health Care Providers & Services Industry
- Max
- 7.61
- Q3
- 4.32
- Median
- 2.53
- Q1
- 1.14
- Min
- 0.77
CVS’s P/B Ratio of 1.11 is in the lower quartile for the Health Care Providers & Services industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
UNH
2.82
Health Care Providers & Services Industry
- Max
- 7.61
- Q3
- 4.32
- Median
- 2.53
- Q1
- 1.14
- Min
- 0.77
UNH’s P/B Ratio of 2.82 is within the conventional range for the Health Care Providers & Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | CVS | UNH |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 15.58 | 10.81 |
| Price-to-Sales Ratio (TTM) | 0.22 | 0.54 |
| Price-to-Book Ratio (MRQ) | 1.11 | 2.82 |
| Price-to-Free Cash Flow Ratio (TTM) | 11.18 | 9.10 |