CVX vs. UNH: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CVX and UNH, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CVX | UNH |
|---|---|---|
| Company Name | Chevron Corporation | UnitedHealth Group Incorporated |
| Country | United States | United States |
| GICS Sector | Energy | Health Care |
| GICS Industry | Oil, Gas & Consumable Fuels | Health Care Providers & Services |
| Market Capitalization | 322.69 billion USD | 315.45 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 2, 1962 | October 17, 1984 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CVX 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 | CVX | UNH |
|---|---|---|
| 5-Day Price Return | -2.44% | 0.79% |
| 13-Week Price Return | 8.45% | 6.79% |
| 26-Week Price Return | -7.55% | -32.46% |
| 52-Week Price Return | 6.74% | -40.43% |
| Month-to-Date Return | -3.31% | 0.87% |
| Year-to-Date Return | 7.21% | -31.15% |
| 10-Day Avg. Volume | 7.68M | 9.34M |
| 3-Month Avg. Volume | 9.39M | 15.42M |
| 3-Month Volatility | 19.62% | 46.86% |
| Beta | 0.83 | 0.43 |
Profitability
Return on Equity (TTM)
CVX
9.08%
Oil, Gas & Consumable Fuels Industry
- Max
- 27.06%
- Q3
- 16.37%
- Median
- 10.02%
- Q1
- 5.32%
- Min
- -8.98%
CVX’s Return on Equity of 9.08% is on par with the norm for the Oil, Gas & Consumable Fuels industry, indicating its profitability relative to shareholder equity is typical for the sector.
UNH
22.26%
Health Care Providers & Services Industry
- Max
- 24.86%
- Q3
- 15.79%
- Median
- 8.56%
- Q1
- 5.75%
- Min
- -1.64%
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)
CVX
7.31%
Oil, Gas & Consumable Fuels Industry
- Max
- 48.48%
- Q3
- 21.05%
- Median
- 9.42%
- Q1
- 1.67%
- Min
- -26.95%
CVX’s Net Profit Margin of 7.31% is aligned with the median group of its peers in the Oil, Gas & Consumable Fuels industry. This indicates its ability to convert revenue into profit is typical for the sector.
UNH
5.04%
Health Care Providers & Services Industry
- Max
- 11.56%
- Q3
- 5.45%
- Median
- 2.83%
- Q1
- 1.13%
- Min
- -1.71%
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)
CVX
10.58%
Oil, Gas & Consumable Fuels Industry
- Max
- 62.28%
- Q3
- 31.04%
- Median
- 18.00%
- Q1
- 5.41%
- Min
- -32.54%
CVX’s Operating Profit Margin of 10.58% is around the midpoint for the Oil, Gas & Consumable Fuels industry, indicating that its efficiency in managing core business operations is typical for the sector.
UNH
7.26%
Health Care Providers & Services Industry
- Max
- 19.08%
- Q3
- 9.66%
- Median
- 4.77%
- Q1
- 2.46%
- Min
- -0.83%
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 | CVX | UNH |
|---|---|---|
| Return on Equity (TTM) | 9.08% | 22.26% |
| Return on Assets (TTM) | 5.36% | 7.01% |
| Net Profit Margin (TTM) | 7.31% | 5.04% |
| Operating Profit Margin (TTM) | 10.58% | 7.26% |
| Gross Profit Margin (TTM) | 38.18% | -- |
Financial Strength
Current Ratio (MRQ)
CVX
1.00
Oil, Gas & Consumable Fuels Industry
- Max
- 2.60
- Q3
- 1.63
- Median
- 1.22
- Q1
- 0.86
- Min
- 0.30
CVX’s Current Ratio of 1.00 aligns with the median group of the Oil, Gas & Consumable Fuels industry, indicating that its short-term liquidity is in line with its sector peers.
UNH
0.81
Health Care Providers & Services Industry
- Max
- 2.00
- Q3
- 1.51
- Median
- 1.29
- Q1
- 0.92
- Min
- 0.14
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)
CVX
0.20
Oil, Gas & Consumable Fuels Industry
- Max
- 2.16
- Q3
- 1.06
- Median
- 0.53
- Q1
- 0.25
- Min
- 0.00
Falling into the lower quartile for the Oil, Gas & Consumable Fuels industry, CVX’s Debt-to-Equity Ratio of 0.20 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
UNH
0.79
Health Care Providers & Services Industry
- Max
- 2.29
- Q3
- 1.24
- Median
- 0.74
- Q1
- 0.50
- 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)
CVX
-5.38
Oil, Gas & Consumable Fuels Industry
- Max
- 51.08
- Q3
- 22.26
- Median
- 7.32
- Q1
- 2.72
- Min
- -19.25
CVX has a negative Interest Coverage Ratio of -5.38. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
UNH
6.14
Health Care Providers & Services Industry
- Max
- 14.47
- Q3
- 7.50
- Median
- 4.52
- Q1
- 2.12
- 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 | CVX | UNH |
|---|---|---|
| Current Ratio (MRQ) | 1.00 | 0.81 |
| Quick Ratio (MRQ) | 0.63 | 0.60 |
| Debt-to-Equity Ratio (MRQ) | 0.20 | 0.79 |
| Interest Coverage Ratio (TTM) | -5.38 | 6.14 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
CVX
3.72%
Oil, Gas & Consumable Fuels Industry
- Max
- 12.74%
- Q3
- 7.02%
- Median
- 4.37%
- Q1
- 2.64%
- Min
- 0.00%
CVX’s Dividend Yield of 3.72% is consistent with its peers in the Oil, Gas & Consumable Fuels industry, providing a dividend return that is standard for its sector.
UNH
2.47%
Health Care Providers & Services Industry
- Max
- 5.93%
- Q3
- 2.59%
- Median
- 1.35%
- Q1
- 0.00%
- Min
- 0.00%
UNH’s Dividend Yield of 2.47% is consistent with its peers in the Health Care Providers & Services industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
CVX
85.58%
Oil, Gas & Consumable Fuels Industry
- Max
- 188.73%
- Q3
- 95.12%
- Median
- 63.48%
- Q1
- 28.55%
- Min
- 0.00%
CVX’s Dividend Payout Ratio of 85.58% is within the typical range for the Oil, Gas & Consumable Fuels industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
UNH
36.54%
Health Care Providers & Services Industry
- Max
- 185.33%
- Q3
- 74.82%
- Median
- 36.00%
- 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 | CVX | UNH |
|---|---|---|
| Dividend Yield (TTM) | 3.72% | 2.47% |
| Dividend Payout Ratio (TTM) | 85.58% | 36.54% |
Valuation
Price-to-Earnings Ratio (TTM)
CVX
23.00
Oil, Gas & Consumable Fuels Industry
- Max
- 34.98
- Q3
- 21.60
- Median
- 13.15
- Q1
- 8.17
- Min
- 2.22
A P/E Ratio of 23.00 places CVX in the upper quartile for the Oil, Gas & Consumable Fuels industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
UNH
14.79
Health Care Providers & Services Industry
- Max
- 40.02
- Q3
- 29.75
- Median
- 21.09
- Q1
- 14.18
- Min
- 7.05
UNH’s P/E Ratio of 14.79 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.
Price-to-Sales Ratio (TTM)
CVX
1.68
Oil, Gas & Consumable Fuels Industry
- Max
- 4.68
- Q3
- 2.73
- Median
- 1.36
- Q1
- 0.54
- Min
- 0.12
CVX’s P/S Ratio of 1.68 aligns with the market consensus for the Oil, Gas & Consumable Fuels industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
UNH
0.74
Health Care Providers & Services Industry
- Max
- 3.15
- Q3
- 1.87
- Median
- 0.74
- Q1
- 0.27
- Min
- 0.09
UNH’s P/S Ratio of 0.74 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)
CVX
1.71
Oil, Gas & Consumable Fuels Industry
- Max
- 3.63
- Q3
- 2.11
- Median
- 1.23
- Q1
- 0.91
- Min
- 0.34
CVX’s P/B Ratio of 1.71 is within the conventional range for the Oil, Gas & Consumable Fuels 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.
UNH
2.82
Health Care Providers & Services Industry
- Max
- 7.33
- Q3
- 4.45
- Median
- 2.52
- Q1
- 1.15
- Min
- 0.66
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 | CVX | UNH |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 23.00 | 14.79 |
| Price-to-Sales Ratio (TTM) | 1.68 | 0.74 |
| Price-to-Book Ratio (MRQ) | 1.71 | 2.82 |
| Price-to-Free Cash Flow Ratio (TTM) | 19.59 | 12.45 |