COYA
Coya Therapeutics, Inc.
There isn't enough reported data to score COYA 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.
COYA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Weak | |
| Weak | |
| Unavailable |
COYA'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.
COYA PE Valuation
COYA 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.
COYA Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses steady | |
| Strong growth | |
| -- | |
| Limited | |
| Moderate |
Analysts expect COYA's revenue to grow, with its earnings and profitability holding steady.
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.
COYA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$1.39 | -$0.28 |
| Q2 2026 | -$1.07 | +$0.17 |
| Q1 2026 | -$1.15 | -$0.08 |
| Q4 2025 | -$1.27 | -$0.29 |
| Q3 2025 | -$1.11 | -$0.45 |
| Q2 2025 | -$1.24 | -$0.50 |
| Q1 2025 | -$1.07 | -$0.21 |
| Q4 2024 | -$0.98 | -$0.19 |
COYA is still losing money, but less than at its worst: $1.39 per share over the past year, against $1.64 at its worst in early 2023.
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 COYA on earnings quality, reporting a profit while its opponent remains loss making.
COYA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $234.1K | -93% |
| Q2 2026 | $243.7K | +49% |
| Q1 2026 | $251.1K | -2.6% |
| Q4 2025 | $4M | +202769% |
| Q2 2025 | $163.6K | -95% |
| Q1 2025 | $257.9K | +103% |
COYA's revenue is growing: $234,134 last quarter, down 93% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -4676% | -4608 points |
| Q2 2026 | -2891% | +1029 points |
| Q1 2026 | -3042% | -65 points |
| Q4 2025 | -152% | +208879 points |
| Q3 2025 | -68% | N/A |
| Q2 2025 | -3920% | -3826 points |
| Q1 2025 | -2977% | +1346 points |
| Q4 2024 | -209032% | N/A |
COYA's operating margin was −4676% last quarter, down 4608 points from the same quarter a year ago, near the bottom of its range since 2024.
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 COYA 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 COYA on profitability, with a higher operating margin.
COYA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$7.2M | -$6.1M |
| Q2 2026 | -$7.4M | -$1.6M |
| Q1 2026 | -$6.2M | -$3.4M |
| Q4 2025 | -$1M | +$1.4M |
| Q3 2025 | -$1.1M | +$4.3M |
| Q2 2025 | -$5.8M | -$1.2M |
| Q1 2025 | -$2.8M | -232% |
| Q4 2024 | -$2.4M | -$168.7K |
COYA has burned cash in almost every quarter: −$22M over the past year, against −$12M 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 COYA on cash generation, producing positive trailing cash flow while its opponent burns cash.
COYA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +622 shares |
| 1 year | +40% | +6.7M shares |
| 3 years | +141% | +13.7M shares |
| 5 years | +806% | +20.9M shares |
COYA has 23M diluted shares, up 40% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
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 COYA 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.
COYA Net Leverage
COYA'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.
COYA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 36.9 | Neutral |
| Stochastic | 10.7 | Oversold |
COYA's weekly RSI is 37 (neutral) and its Stochastic is 11 (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).
COYA PE vs Healthcare Sector
COYA 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.
COYA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.11 | 20% below |
| 20 week MA | $4.50 | 27% below |
| 50 week MA | $4.67 | 30% below |
| 100 week MA | $5.37 | 39% below |
| 200 week MA | $5.69 | 43% below |
COYA is in a downtrend: it's below all five of its weekly moving averages, and 43% 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 COYA on trend strength, trading above more of its moving averages.
COYA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $4.74 | $7.41 | +56% |
| 2024 | $7.41 | $5.92 | -20% |
| 2025 | $5.92 | $5.47 | -7.6% |
| 2026 YTD | $5.47 | $3.27 | -40% |
COYA has finished lower in two of the last three years. It's down 40% 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 COYA on returns for 2026, with the stronger performance.