CRDL
Cardiol Therapeutics Inc.
There isn't enough reported data to score CRDL 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.
CRDL Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Under pressure | |
| Unavailable | |
| Unavailable |
CRDL's profitability is currently under pressure. There isn't enough data to rate its revenue, cash flow and 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.
CRDL PE Valuation
CRDL 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.
CRDL Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| -- | |
| -- | |
| Limited | |
| Moderate |
Analysts expect CRDL's losses to shrink, with revenue 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.
CRDL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2021 | -$0.51 | -$0.05 |
| Q4 2020 | -$0.46 | -$0.09 |
| Q3 2020 | -$0.34 | +$0.23 |
| Q2 2020 | -$0.34 | +$0.29 |
| Q1 2020 | -$0.35 | +$0.23 |
| Q4 2019 | -$0.37 | +$0.13 |
| Q3 2019 | -$0.57 | -$0.34 |
| Q2 2019 | -$0.63 | -$0.54 |
UNH has the stronger earnings trend. Trailing diluted EPS is down 246% for CRDL versus UNH down 8.5%.
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's earnings per share have fallen from their peak: $17.55 over the past year, against $23.89 in early 2025.
CRDL Quarterly Revenue
CRDL's revenue is growing: $55,371 last quarter.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2021 | -49092% | N/A |
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's revenue has held roughly level: $113B last quarter, about level with the same quarter a year ago.
| 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's operating margin was 5.8% last quarter, up 2 points from the same quarter a year ago.
CRDL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2021 | -$16.6M | -$14.7M |
| Q4 2020 | -$1.8M | +$375K |
| Q3 2020 | -$2.1M | -$454.5K |
| Q2 2020 | -$834.4K | +$756.1K |
| Q1 2020 | -$1.7M | +$1.1M |
| Q4 2019 | -$2.2M | +$3.7M |
| Q3 2019 | -$1.6M | -$531K |
| Q2 2019 | -$1.6M | -$1.2M |
UNH has the stronger cash trend. Its trailing FCF is up 5.2% versus its history, compared with CRDL at down 219%.
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 still generates free cash flow, though less than at its 2022 peak: $22.8B over the past year.
CRDL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +32% | +10.4M shares |
| 1 year | +67% | +17.3M shares |
| 3 years | +90% | +20.5M shares |
CRDL has 43M diluted shares, up 67% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
| Q4 2019 | — |
| Q3 2019 | — |
| Q2 2019 | — |
| Q1 2019 | — |
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 CRDL 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.
CRDL Net Leverage
CRDL'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.
CRDL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.9 | Neutral |
| Stochastic | 5.6 | Oversold |
CRDL's weekly RSI is 40 (neutral) and its Stochastic is 6 (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).
CRDL PE vs Healthcare Sector
CRDL 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.
CRDL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.21 | 14% below |
| 20 week MA | $1.43 | 27% below |
| 50 week MA | $1.25 | 17% below |
| 100 week MA | $1.22 | 15% below |
| 200 week MA | $1.26 | 17% below |
CRDL is in a downtrend: it's below all five of its weekly moving averages, and 17% 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 CRDL on trend strength, trading above more of its moving averages.
CRDL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $3.30 | $2.17 | -34% |
| 2021 | $2.17 | $2.00 | -7.8% |
| 2022 | $2.00 | $0.53 | -74% |
| 2023 | $0.53 | $0.84 | +58% |
| 2024 | $0.84 | $1.31 | +56% |
| 2025 | $1.31 | $0.99 | -24% |
| 2026 YTD | $0.99 | $1.04 | +5.1% |
CRDL has finished lower in four of the last six years. It's up 5.1% 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 CRDL on returns for 2026, with the stronger performance.