ACH
Accendra Health, Inc.
ACH trails on the overall score without a compensating advantage in the available component scores.
UNH
UnitedHealth Group Incorporated
UNH has the edge over ACH overall, supported by stronger fundamentals and stronger valuation.
ACH Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| Under pressure | |
| Weak |
ACH's profitability is currently stable, but its revenue, cash flow and balance sheet are under pressure.
UNH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Healthy | |
| Healthy |
UNH's cash flow and balance sheet are currently healthy, and its revenue and profitability are stable.
ACH PE Valuation
ACH has no meaningful PE right now: it lost money over the past year.
UNH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 18x | $405 | — |
| Cheap | 19x | $325 | -20% |
| Fair | 23x | $410 | +1.2% |
| Current | 23x | $405 | — |
| Expensive | 30x | $526 | +30% |
Historical ranges are pointers, not guarantees.
UNH's PE is in its fair range at 23x. If earnings grow as analysts expect, today's price would be 18x next year's earnings, in its cheap range.
ACH Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Turning to a loss | |
| Stable | |
| Weakening | |
| Limited | |
| High |
Analysts expect ACH's earnings and profitability to decline, with its revenue holding steady.
UNH Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Stable | |
| Improving | |
| Moderate | |
| Low |
UNH has the edge over ACH on the outlook, with more favorable earnings and profitability expectations.
ACH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$2.24 | +$15.17 |
| Q2 2026 | -$3.93 | +$11.71 |
| Q1 2026 | -$14.07 | -$9.31 |
| Q4 2025 | -$14.31 | -$9.58 |
| Q3 2025 | -$17.41 | -$16.76 |
| Q2 2025 | -$15.64 | -$15.08 |
| Q1 2025 | -$4.76 | -$4.25 |
| Q4 2024 | -$4.73 | -$4.19 |
ACH is still losing money, but far less than before: $2.24 per share over the past year, against $17.41 at its worst in late 2025.
UNH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $22.65 | +29% |
| Q3 2026 | $17.55 | -8.5% |
| Q2 2026 | $15.58 | -33% |
| Q1 2026 | $13.28 | -44% |
| Q4 2025 | $13.23 | -15% |
| Q3 2025 | $19.17 | +25% |
| Q2 2025 | $23.09 | +53% |
| Q1 2025 | $23.89 | +46% |
| Q4 2024 | $15.51 | -35% |
UNH has the edge over ACH on earnings quality, reporting a profit while its opponent remains loss making.
ACH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $601.8M | -14% |
| Q2 2026 | $613.2M | -10% |
| Q1 2026 | $627.8M | -76% |
| Q4 2025 | $709M | -74% |
| Q3 2025 | $697.3M | -74% |
| Q2 2025 | $681.9M | -74% |
| Q1 2025 | $2.6B | +0.7% |
| Q4 2024 | $2.7B | +1.5% |
ACH's revenue has slid since its 2024 peak: $602M last quarter, down 14% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.2% | -3.6 points |
| Q2 2026 | -5.7% | +0.1 points |
| Q1 2026 | 2.7% | +2.7 points |
| Q4 2025 | 3% | +13 points |
| Q3 2025 | 3.8% | +2.9 points |
| Q2 2025 | -5.8% | -6.6 points |
| Q1 2025 | 0% | -0.4 points |
| Q4 2024 | -9.7% | -12 points |
ACH's operating margin was 0.2% last quarter, down 3.6 points from the same quarter a year ago.
UNH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $112.7B | -0.4% |
| Q2 2026 | $112B | +0.4% |
| Q1 2026 | $111.7B | +2% |
| Q4 2025 | $113.2B | +12% |
| Q3 2025 | $113.2B | +12% |
| Q2 2025 | $111.6B | +13% |
| Q1 2025 | $109.6B | +9.8% |
| Q4 2024 | $100.8B | +6.8% |
UNH has the edge over ACH on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.8% | +2 points |
| Q2 2026 | 7.1% | +2.5 points |
| Q1 2026 | 8.1% | -0.3 points |
| Q4 2025 | 0.3% | -7.4 points |
| Q3 2025 | 3.8% | -4.8 points |
| Q2 2025 | 4.6% | -3.4 points |
| Q1 2025 | 8.3% | +0.4 points |
| Q4 2024 | 7.7% | -0.4 points |
UNH has the edge over ACH on profitability, with a higher operating margin.
ACH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$56.6M | +$170.2M |
| Q1 2026 | -$91.7M | -$56.7M |
| Q4 2025 | $55.1M | +574% |
| Q3 2025 | -$226.8M | -$192.6M |
| Q1 2025 | -$35.1M | +$63.9M |
| Q4 2024 | $8.2M | -87% |
| Q3 2024 | -$34.2M | -132% |
| Q2 2024 | $70.3M | -73% |
ACH has burned cash in six of the last eight quarters: −$167M over the past year, against −$288M the year before.
UNH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.3B | -16% |
| Q2 2026 | $10.3B | +63% |
| Q1 2026 | $8.1B | +79% |
| Q4 2025 | $160M | -89% |
| Q3 2025 | $5.1B | -61% |
| Q2 2025 | $6.3B | +6.9% |
| Q1 2025 | $4.6B | +1037% |
| Q4 2024 | $1.5B | +$7.6B |
UNH has the edge over ACH on cash generation, producing positive trailing cash flow while its opponent burns cash.
ACH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +214K shares |
| 1 year | -0.5% | -379K shares |
| 3 years | +0.9% | +706K shares |
| 5 years | +1.3% | +951K shares |
| Available history | +27% | +16.3M shares |
ACH has 77M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q1 2026 | — |
| Q4 2025 | $3.5M |
| Q3 2025 | — |
| Q2 2025 | $5.2M |
| Q1 2025 | $1.5M |
UNH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -4M shares |
| 1 year | -0.7% | -6M shares |
| 3 years | -3.6% | -34M shares |
| 5 years | -5.5% | -53M shares |
| Available history | -6.6% | -64M shares |
UNH has the edge over ACH on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3.4B |
| Q2 2026 | $1.6B |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $2.5B |
| Q1 2025 | $3B |
| Q4 2024 | $5B |
UNH spent $5B buying back its own shares over the past year, down 52% from the year before.
ACH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.6x | High |
| Q2 2026 | 6.8x | High |
| Q1 2026 | 7.4x | High |
| Q4 2025 | 8.0x | High |
| Q1 2025 | 54.7x | High |
| Q4 2024 | 31.7x | High |
| Q3 2024 | 4.8x | High |
| Q2 2024 | 4.6x | High |
ACH's net debt is about 8.6 years of its operating earnings (EBITDA), down from more than 20 years a year ago.
UNH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.7x | Healthy |
| Q2 2026 | 1.7x | Healthy |
| Q1 2026 | 2.2x | Moderate |
| Q4 2025 | 2.3x | Moderate |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.5x | Healthy |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 1.4x | Healthy |
UNH has the edge over ACH on leverage, with a lower net debt burden relative to earnings.
ACH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 24.1 | Oversold |
| Stochastic | 1.0 | Oversold |
ACH's weekly RSI is 24 (oversold) and its Stochastic is 1 (oversold).
UNH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.4 | Neutral |
| Stochastic | 60.0 | Neutral |
UNH's weekly RSI is 56 (neutral) and its Stochastic is 60 (neutral).
ACH PE vs Healthcare Sector
| Metric | ACH | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
ACH has no meaningful PE right now: it lost money over the past year.
UNH PE vs Healthcare Sector
| Metric | UNH | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 26x | 11% below |
| PE % | 47 | 29 | 18 pts above |
UNH is trading at 23x earnings, a 11% discount to the Healthcare sector's median of 26x.
ACH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.34 | 56% below |
| 20 week MA | $1.44 | 90% below |
| 50 week MA | $2.21 | 93% below |
| 100 week MA | $4.90 | 97% below |
| 200 week MA | $11.4 | 99% below |
ACH is in a downtrend: it's below all five of its weekly moving averages, and 99% below its 200-week average.
UNH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $394.2 | 2.8% above |
| 20 week MA | $400.5 | 1.2% above |
| 50 week MA | $361.2 | 12% above |
| 100 week MA | $376.0 | 7.8% above |
| 200 week MA | $446.6 | 9.3% below |
UNH has the edge over ACH on trend strength, trading above more of its moving averages.
ACH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.08 | $30.3 | +497% |
| 2021 | $30.3 | $43.7 | +44% |
| 2022 | $43.7 | $19.5 | -55% |
| 2023 | $19.5 | $19.3 | -1% |
| 2024 | $19.3 | $13.0 | -33% |
| 2025 | $13.0 | $2.77 | -79% |
| 2026 YTD | $2.77 | $0.15 | -95% |
ACH has finished four years in a row lower, and it's down 95% so far in 2026.
UNH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $296.0 | $340.8 | +15% |
| 2021 | $340.8 | $495.4 | +45% |
| 2022 | $495.4 | $531.3 | +7.3% |
| 2023 | $531.3 | $526.5 | -0.9% |
| 2024 | $526.5 | $510.0 | -3.1% |
| 2025 | $510.0 | $331.8 | -35% |
| 2026 YTD | $331.8 | $405.1 | +22% |
UNH has the edge over ACH on returns for 2026, with the stronger performance.