LLY vs UNH
Eli Lilly and Company Common Stock vs UnitedHealth Group Incorporated Common Stock (DE). Scores ACCE, valorisation, rentabilité et croissance côte à côte.
$LLY vs $UNH: Growth Premium vs Value Floor
$LLY wins on growth and quality; $UNH wins on valuation and cash return.
$LLY is the stronger long-term pick. Revenue surged 55.5% year-over-year, ROE sits at 107.5%, and its net margin of 35.0% dwarfs anything a managed-care operator can produce. The ACCE score of 75/100 — driven by a perfect Growth score of 100 and Quality of 86 — reflects a business firing on all cylinders. The analyst consensus target of $1,270.37 implies modest near-term upside from the current $1,195.76.
The catch is valuation. $LLY's 6-model fair value of $148.55 signals the market has priced in an enormous amount of future growth. At a forward P/E of 35.0, there is little margin for error.
$UNH is a different story. Its 6-model fair value of $407.35 sits just 3.0% below the current price of $419.85 — far less stretched. A 4.2% FCF yield and 1.0% dividend add real income. But the Quality score of 48 and net margin of only 3.1% expose the thin-margin nature of health insurance.
Verdict: $LLY for growth-oriented portfolios. $UNH suits income and value mandates but lacks the fundamental firepower to compete with Lilly's growth trajectory.