UnitedHealth Group Incorporated vs Unum Group, two Managed Care stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
UnitedHealth earns 11.6% on equity from the largest healthcare enterprise in America; Unum earns 7.2% from one of its narrowest, workplace disability and life, and the returns tell less than the margins: 2.7% net at UnitedHealth's scale against 5.9% at Unum's focus. The market prices the giant's recovery at 32.2 times earnings and the niche's steadiness at 19.5. Dividends match at 2%. Unum's balance sheet is the lighter, 0.35 turns against 0.75. Thirteen turns of premium buy UnitedHealth's diversification and its rebound; the same money passes on an underwriter quietly earning more per premium dollar. Scale's gravity against the niche's arithmetic, priced with the gravity winning.
Comparison updated 2026-07-10.
| Metric | UNH | UNM |
|---|---|---|
| Price | $427.44 | $90.06 |
| Market cap | $389.0B | $14.8B |
| Sector | Managed Care | Managed Care |
| Stage | Mature | Mature |
| P/E | 32.2 | 19.5 |
| P/B | 3.74 | 1.36 |
| P/S | 0.86 | 1.11 |
| EV/EBITDA | 18.9 | — |
| Revenue growth | +9.8% | +4.4% |
| Operating margin | 8.1% | — |
| Net margin | 2.7% | 5.9% |
| Return on equity | 11.6% | 7.2% |
| Return on assets | 3.9% | 1.3% |
| Return on invested capital | 8.4% | — |
| FCF yield | 5.1% | 3.6% |
| Dividend yield | 2.0% | 1.9% |
| Debt / equity | 0.75 | 0.35 |
| Current ratio | 0.80 | — |
| Altman Z (solvency) | 3.02 | 0.69 |
| Piotroski F (quality) | 6 / 9 | 9 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.