PHG vs. UNH: Koninklijke Philips vs. UnitedHealth Stock Comparison

November 11, 2026

How do Koninklijke Philips (PHG) and UnitedHealth (UNH) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Koninklijke Philips (PHG) and UnitedHealth (UNH) both fall under the Health Care Equipment & Services industry group, but PHG is classified in Health Care Equipment & Supplies while UNH is classified in Health Care Providers & Services.

UnitedHealth (UNH) trades as ordinary local shares, while Koninklijke Philips (PHG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Profile Item	PHG	UNH
Name	Koninklijke Philips N.V. ADR	UnitedHealth Group Inc.
Country/Region	Netherlands	United States
GICS Sector	Health Care	Health Care
GICS Industry Group	Health Care Equipment & Services	Health Care Equipment & Services
GICS Industry	Health Care Equipment & Supplies	Health Care Providers & Services
GICS Sub-Industry	Health Care Equipment	Managed Health Care
Market Capitalization	29.67 billion USD	353.17 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	October 17, 1984
Security Type	ADR	Common Stock

Price Performance

Cumulative Growth

PHG

UNH

GSPC

Koninklijke Philips (PHG) vs. UnitedHealth (UNH), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Koninklijke Philips (PHG) and UnitedHealth (UNH). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Koninklijke Philips (PHG) and UnitedHealth (UNH). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Metric	PHG	UNH
Total Return (1Y)	13.15%	26.08%
Total Return (3Y, Annualized)	18.95%	-7.69%
Total Return (5Y, Annualized)	-6.38%	-1.26%

Risk Profile

Drawdown History

PHG

UNH

GSPC

Koninklijke Philips (PHG) vs. UnitedHealth (UNH), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Koninklijke Philips (PHG) and UnitedHealth (UNH). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Metric	PHG	UNH
Volatility (1Y, Annualized)	29.55%	34.76%
Beta (5Y)	0.65	0.52
Max Drawdown (5Y)	-74.51%	-61.39%
Avg. Volume (3M)	1.08M	5.13M

Risk-Adjusted Performance

Risk-Return Positioning

PHG and UNH are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Metric	PHG	UNH
Sharpe Ratio (1Y)	0.30	0.63
Sortino Ratio (1Y)	0.48	0.86

Profitability

ROE (TTM)

UnitedHealth (UNH) at 15.77% sits in the top ROE quartile, while Koninklijke Philips (PHG) at 8.61% is closer to the peer norm — stronger capital efficiency for UNH.

PHG

Health Care Equipment & Services industry group

8.61%

Max: 47.61%
Q3: 14.36%
PHG: 8.61%
Median: 5.45%
Q1: -10.67%
Min: -47.01%

UNH

Health Care Equipment & Services industry group

15.77%

Max: 47.61%
UNH: 15.77%
Q3: 14.36%
Median: 5.45%
Q1: -10.67%
Min: -47.01%

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their ROE against the Health Care Equipment & Services industry group benchmark.

Net Margin (TTM)

Both Koninklijke Philips (PHG) at 5.39% and UnitedHealth (UNH) at 3.53% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

PHG

Health Care Equipment & Services industry group

5.39%

Max: 29.35%
Q3: 9.33%
PHG: 5.39%
Median: 2.18%
Q1: -6.29%
Min: -28.46%

UNH

Health Care Equipment & Services industry group

3.53%

Max: 29.35%
Q3: 9.33%
UNH: 3.53%
Median: 2.18%
Q1: -6.29%
Min: -28.46%

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their net margin against the Health Care Equipment & Services industry group benchmark.

Operating Margin (TTM)

Both Koninklijke Philips (PHG) at 3.76% and UnitedHealth (UNH) at 5.82% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

PHG

Health Care Equipment & Services industry group

3.76%

Max: 35.43%
Q3: 14.14%
Median: 6.81%
PHG: 3.76%
Q1: -0.28%
Min: -16.29%

UNH

Health Care Equipment & Services industry group

5.82%

Max: 35.43%
Q3: 14.14%
Median: 6.81%
UNH: 5.82%
Q1: -0.28%
Min: -16.29%

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their operating margin against the Health Care Equipment & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Metric	PHG	UNH
ROE (TTM)	8.61%	15.77%
ROA (TTM)	3.59%	5.24%
Net Margin (TTM)	5.39%	3.53%
Operating Margin (TTM)	3.76%	5.82%
Gross Margin (TTM)	46.43%	20.05%

Growth

Revenue Growth

UnitedHealth (UNH) at 11.81% is around its peer norm for revenue growth, while Koninklijke Philips (PHG) at -1.04% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: UnitedHealth (UNH) reports EPS growth of -14.70%, ranked against its industry; Koninklijke Philips (PHG) has no EPS growth figure this period.

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Metric	PHG	UNH
Revenue Growth (YoY)	-1.04%	11.81%
Revenue Growth (3Y CAGR)	0.01%	11.35%
EPS Growth (YoY)	--	-14.70%
EPS Growth (3Y CAGR)	--	-14.52%

Financial Strength

Current Ratio (MRQ)

Both Koninklijke Philips (PHG) at 1.33 and UnitedHealth (UNH) at 0.74 run current ratio in the tighter-liquidity quartile of industry peers, leaving thinner cushions against current liabilities than typical competitors.

PHG

Health Care Equipment & Services industry group

1.33

Max: 7.59
Q3: 4.00
Median: 1.98
Q1: 1.37
PHG: 1.33
Min: 0.30

UNH

Health Care Equipment & Services industry group

0.74

Max: 7.59
Q3: 4.00
Median: 1.98
Q1: 1.37
UNH: 0.74
Min: 0.30

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their current ratio against the Health Care Equipment & Services industry group benchmark.

Debt / Equity (MRQ)

Both Koninklijke Philips (PHG) at 0.70 and UnitedHealth (UNH) at 0.70 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

PHG

Health Care Equipment & Services industry group

0.70

Max: 1.88
Q3: 0.91
PHG: 0.70
Median: 0.58
Q1: 0.16
Min: 0.00

UNH

Health Care Equipment & Services industry group

0.70

Max: 1.88
Q3: 0.91
UNH: 0.70
Median: 0.58
Q1: 0.16
Min: 0.00

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their debt-to-equity ratio against the Health Care Equipment & Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Metric	PHG	UNH
Current Ratio (MRQ)	1.33	0.74
Debt / Equity (MRQ)	0.70	0.70
Net Debt / EBITDA	2.45	1.58

Dividends

Dividend Yield (TTM)

Koninklijke Philips (PHG) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile UnitedHealth (UNH) reports a yield of 2.29%, ranking against industry peers normally.

PHG

Health Care Equipment & Services industry group

0.00%

PHG: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

UNH

Health Care Equipment & Services industry group

2.29%

UNH: 2.29%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their dividend yield against the Health Care Equipment & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Koninklijke Philips (PHG) reports payout ratio above 100% at 211.79%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile UnitedHealth (UNH) reports 51.71%, ranking against industry peers normally.

PHG

Health Care Equipment & Services industry group

211.79%

PHG: 211.79%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

UNH

Health Care Equipment & Services industry group

51.71%

UNH: 51.71%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their payout ratio against the Health Care Equipment & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Metric	PHG	UNH
Dividend Yield (TTM)	0.00%	2.29%
Dividend Payout Ratio (TTM)	211.79%	51.71%

Valuation

P/E Ratio (TTM)

UnitedHealth (UNH) at 22.50 is near its industry’s usual P/E ratio, while Koninklijke Philips (PHG) at 63.23 sits in the richer quartile — PHG needs stronger growth or earnings quality to justify the premium.

PHG

Health Care Equipment & Services industry group

63.23

Max: 80.41
PHG: 63.23
Q3: 47.62
Median: 29.93
Q1: 21.19
Min: 4.21

UNH

Health Care Equipment & Services industry group

22.50

Max: 80.41
Q3: 47.62
Median: 29.93
UNH: 22.50
Q1: 21.19
Min: 4.21

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their P/E ratio against the Health Care Equipment & Services industry group benchmark.

P/S Ratio (TTM)

UnitedHealth (UNH) at 0.78 sits in the cheaper P/S ratio quartile while Koninklijke Philips (PHG) at 1.67 prices around its industry’s middle — UNH costs less per dollar of sales, though read it alongside growth and margins.

PHG

Health Care Equipment & Services industry group

1.67

Max: 8.80
Q3: 4.32
Median: 2.13
PHG: 1.67
Q1: 1.10
Min: 0.03

UNH

Health Care Equipment & Services industry group

0.78

Max: 8.80
Q3: 4.32
Median: 2.13
Q1: 1.10
UNH: 0.78
Min: 0.03

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their P/S ratio against the Health Care Equipment & Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Koninklijke Philips (PHG) at 2.28 and UnitedHealth (UNH) at 3.60 are valued close to their industries’ norm against book — neither stands out from peers.

PHG

Health Care Equipment & Services industry group

2.28

Max: 11.68
Q3: 6.12
Median: 3.00
PHG: 2.28
Q1: 1.73
Min: -1.31

UNH

Health Care Equipment & Services industry group

3.60

Max: 11.68
Q3: 6.12
UNH: 3.60
Median: 3.00
Q1: 1.73
Min: -1.31

Koninklijke Philips (PHG) vs. UnitedHealth (UNH): A comparison of their P/B ratio against the Health Care Equipment & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Koninklijke Philips (PHG) and UnitedHealth (UNH)
Metric	PHG	UNH
P/E Ratio (TTM)	63.23	22.50
P/S Ratio (TTM)	1.67	0.78
P/B Ratio (MRQ)	2.28	3.60
Free Cash Flow Yield (TTM)	6.23%	7.50%