BIAF
bioAffinity Technologies, Inc.
There isn't enough reported data to score BIAF yet.
UNH
UnitedHealth Group Incorporated
UNH's fundamentals are mixed: free cash flow grew 31%, but earnings per share fell 8.5%. At 23x earnings, it's trading right at its usual valuation. Analysts expect strong earnings growth, though they disagree widely on how much.
BIAF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Weak | |
| Weak | |
| Unavailable |
BIAF's revenue is currently stable, but its profitability and cash flow are weak. There isn't enough data to rate its balance sheet.
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.
BIAF PE Valuation
BIAF 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.
BIAF Forward outlook
There aren't enough analyst estimates for BIAF to show an outlook.
UNH Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Stable | |
| Improving | |
| Moderate | |
| Low |
Analysts expect UNH's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
BIAF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$81.49 | +$228.11 |
| Q2 2026 | -$146.70 | +$163.80 |
| Q1 2026 | -$213.60 | +$105.90 |
| Q4 2025 | -$273.45 | +$64.05 |
| Q3 2025 | -$309.60 | +$59.40 |
| Q2 2025 | -$310.50 | +$103.50 |
| Q1 2025 | -$319.50 | +$99.00 |
| Q4 2024 | -$337.50 | +$72.00 |
BIAF is still losing money, but far less than before: $81.49 per share over the past year, against $1,702.04 at its worst in late 2022.
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 BIAF on earnings quality, reporting a profit while its opponent remains loss making.
BIAF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1M | -26% |
| Q2 2026 | $1.5M | +19% |
| Q1 2026 | $1.4M | -27% |
| Q4 2025 | $1.6M | -28% |
| Q3 2025 | $1.4M | -38% |
| Q2 2025 | $1.3M | -47% |
| Q1 2025 | $1.9M | -23% |
| Q4 2024 | $2.2M | -71% |
BIAF's revenue has slid since its 2023 peak: $1M last quarter, down 26% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -328% | -169 points |
| Q2 2026 | -221% | -23 points |
| Q1 2026 | -268% | -126 points |
| Q4 2025 | -197% | -64 points |
| Q3 2025 | -159% | -75 points |
| Q2 2025 | -198% | -111 points |
| Q1 2025 | -142% | -61 points |
| Q4 2024 | -133% | -103 points |
BIAF's operating margin was −328% last quarter, down 169 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 BIAF 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 BIAF on profitability, with a higher operating margin.
BIAF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.9M | -$1.5M |
| Q2 2026 | -$3.3M | -$630.4K |
| Q1 2026 | -$3.2M | -$1.5M |
| Q4 2025 | -$2.6M | -$882.4K |
| Q3 2025 | -$2.5M | -$758K |
| Q2 2025 | -$2.7M | -$1.1M |
| Q1 2025 | -$1.7M | +$694.8K |
| Q4 2024 | -$1.7M | -$74.3K |
BIAF has burned cash in almost every quarter: −$13M over the past year, against −$9M 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 BIAF on cash generation, producing positive trailing cash flow while its opponent burns cash.
BIAF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +157% | +548K shares |
| 1 year | +1579% | +843K shares |
| 3 years | +9494% | +887K shares |
BIAF has 896,271 diluted shares, up 1579% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
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 BIAF 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.
BIAF Net Leverage
BIAF's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
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's net debt is about 1.7 years of its operating earnings (EBITDA), about the same as a year ago.
BIAF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.1 | Neutral |
| Stochastic | 1.0 | Oversold |
BIAF's weekly RSI is 34 (neutral) 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).
BIAF PE vs Healthcare Sector
BIAF 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.
BIAF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.15 | 44% below |
| 20 week MA | $7.21 | 68% below |
| 50 week MA | $18.6 | 87% below |
| 100 week MA | $94.0 | 98% below |
| 200 week MA | $449.1 | 99% below |
BIAF 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 BIAF on trend strength, trading above more of its moving averages.
BIAF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $3,172.5 | $832.5 | -74% |
| 2023 | $832.5 | $661.5 | -21% |
| 2024 | $661.5 | $400.4 | -39% |
| 2025 | $400.4 | $17.6 | -96% |
| 2026 YTD | $17.6 | $2.34 | -87% |
BIAF has finished every year since 2022 lower, and it's down 87% 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 BIAF on returns for 2026, with the stronger performance.