CERT
Certara, Inc.
CERT trails on the overall score without a compensating advantage in the available component scores.
UNH
UnitedHealth Group Incorporated
UNH has the edge over CERT overall, supported by lower modeled downside and stronger modeled upside.
CERT Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| Healthy | |
| Healthy |
CERT's cash flow and balance sheet are currently healthy, but its revenue and profitability 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.
CERT PE Valuation
CERT 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.
CERT Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Stable | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect CERT's profitability to weaken, with its earnings and revenue holding steady.
UNH Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Stable | |
| Improving | |
| Moderate | |
| Low |
UNH has the edge over CERT on the outlook, with more favorable earnings and profitability expectations.
CERT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.40 | — |
| Q3 2026 | -$0.42 | -700% |
| Q2 2026 | -$0.45 | -1000% |
| Q1 2026 | -$0.10 | -$0.08 |
| Q4 2025 | -$0.01 | +$0.07 |
| Q3 2025 | $0.07 | +$0.27 |
| Q2 2025 | $0.05 | +$0.55 |
| Q1 2025 | -$0.02 | +$0.37 |
| Q4 2024 | -$0.08 | +$0.27 |
CERT has swung to a loss: it lost $0.42 per share over the past year, after a profit the year before.
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 CERT on earnings quality, reporting a profit while its opponent remains loss making.
CERT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $94.9M | -9.3% |
| Q2 2026 | $93.3M | -11% |
| Q1 2026 | $106.9M | +0.9% |
| Q4 2025 | $103.6M | +3.3% |
| Q3 2025 | $104.6M | +10% |
| Q2 2025 | $104.6M | +12% |
| Q1 2025 | $106M | +9.7% |
| Q4 2024 | $100.4M | +14% |
CERT's revenue is shrinking: $95M last quarter, down 9.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 2.5% | -0.4 points |
| Q2 2026 | -0.2% | -9.3 points |
| Q1 2026 | -4% | -11 points |
| Q4 2025 | 0.8% | -5.2 points |
| Q3 2025 | 2.9% | +0.1 points |
| Q2 2025 | 9.1% | +19 points |
| Q1 2025 | 7.2% | +8.5 points |
| Q4 2024 | 6% | +16 points |
CERT's operating margin was 2.5% last quarter, about level with 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 CERT 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 CERT on profitability, with a higher operating margin.
CERT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $29.9M | -6.8% |
| Q2 2026 | $9.4M | -47% |
| Q1 2026 | $11.1M | -34% |
| Q4 2025 | $27.8M | -43% |
| Q3 2025 | $32.1M | +91% |
| Q2 2025 | $17.9M | +91% |
| Q1 2025 | $16.8M | +356% |
| Q4 2024 | $49M | +118% |
CERT's free cash flow has been positive every quarter for seven years: $78M over the past year, down 32% from 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 CERT on cash flow, with more consistent year-over-year improvement.
CERT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -1.7M shares |
| 1 year | -4.9% | -7.9M shares |
| 3 years | -4.1% | -6.5M shares |
| 5 years | +2.5% | +3.7M shares |
| Available history | +3.8% | +5.5M shares |
CERT has the edge over UNH on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $17.4M |
| Q1 2026 | $40M |
| Q4 2025 | $3.9M |
| Q3 2025 | $13.7M |
| Q4 2020 | — |
| Q3 2020 | $1M |
| Q2 2020 | — |
CERT spent $61M buying back its own shares over the past year.
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 902M diluted shares, down 0.7% from a year ago, with $5B in buybacks over the past year.
| 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.
CERT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.3x | Healthy |
| Q2 2026 | 1.7x | Healthy |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 2.2x | Moderate |
| Q2 2025 | 3.2x | Elevated |
| Q1 2025 | 12.0x | High |
| Q4 2024 | 442.0x | High |
CERT has the edge over UNH on leverage, with a lower net debt burden relative to earnings.
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.
CERT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 74.4 | Overbought |
| Stochastic | 88.2 | Overbought |
CERT's weekly RSI is 74 (overbought) and its Stochastic is 88 (overbought).
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).
CERT PE vs Healthcare Sector
| Metric | CERT | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
CERT 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.
CERT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.3 | 16% above |
| 20 week MA | $8.77 | 36% above |
| 50 week MA | $7.68 | 55% above |
| 100 week MA | $9.56 | 24% above |
| 200 week MA | $13.0 | 8.2% below |
CERT has bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 8.2% 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 bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 9.3% below its 200-week average.
CERT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.1 | $37.8 | -0.7% |
| 2021 | $37.8 | $29.4 | -22% |
| 2022 | $29.4 | $16.0 | -45% |
| 2023 | $16.0 | $17.6 | +9.8% |
| 2024 | $17.6 | $10.7 | -39% |
| 2025 | $10.7 | $8.89 | -17% |
| 2026 YTD | $8.89 | $11.9 | +34% |
CERT has the edge over UNH on returns for 2026, with the stronger performance.
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 finished three years in a row lower, and it's up 22% so far in 2026.