CYH

Community Health Systems, Inc.

30
Fundamentals39/ 100
Valuation10/ 100
Upside potential12/ 100
Risk potential86/ 100

CYH trails on the overall score without a compensating advantage in the available component scores.

UNH

UnitedHealth Group Incorporated

62
Fundamentals51/ 100
Valuation56/ 100
Upside potential71/ 100
Risk potential15/ 100

UNH has the edge over CYH overall, supported by lower modeled downside and stronger modeled upside.

CYH Fundamentals

MetricStatus
Under pressure
Stable
Under pressure
Weak

CYH's profitability is currently stable, but its revenue, cash flow and balance sheet are under pressure.

UNH Fundamentals

MetricStatus
Stable
Stable
Healthy
Healthy

UNH's cash flow and balance sheet are currently healthy, and its revenue and profitability are stable.

CYH PE Valuation

CHEAPFAIREXPENSIVE5.9x12x18x24x
CHEAPFAIREXPENSIVE5.9x12x18x24x
LevelPEPriceVs current
Cheap1.3x$0.35-84%
Fair2x$0.55-75%
Expensive4.4x$1.18-47%
Current8.2x$2.21—

Historical ranges are pointers, not guarantees.

CYH's PE is in its expensive range at 8.2x.

UNH PE Valuation

CHEAPFAIREXPENSIVE10x21x31x42x
CHEAPFAIREXPENSIVE10x21x31x42x
LevelPEPriceVs current
Forward18x$405—
Cheap19x$325-20%
Fair23x$410+1.2%
Current23x$405—
Expensive30x$526+30%

Historical ranges are pointers, not guarantees.

UNH has the edge over CYH in the historical PE scenario, which offers more potential upside but is not a forecast.

CYH Forward outlook

MetricOutlook
--
Losses growing
Decline
Stable
Limited
Low

Analysts expect CYH's losses to grow, with revenue declining. However, they disagree widely on these estimates.

UNH Forward outlook

MetricOutlook
Strongly improving
Strong growth
Stable
Improving
Moderate
Low

UNH has the edge over CYH on the outlook, with more favorable earnings and revenue expectations.

CYH Risk to reward

ScenarioChangePrice
Upside+11%$2.46
Downside-86%$0.31

Calculated from the latest close: $2.21 on Nov 12.

CYH trails UNH on modeled risk to reward, with less potential upside and more potential downside.

UNH Risk to reward

ScenarioChangePrice
Upside+36%$550.65
Downside-15%$346.07

Calculated from the latest close: $405.13 on Nov 12.

UNH has a better modeled risk to reward balance than CYH, with more potential upside and less potential downside.

CYH Earnings Per Share

Q4 2023: $-1.02Q1 2024: $-0.94Q2 2024: $-0.75Q3 2024: $-3.01Q4 2024: $-3.90Q1 2025: $-3.68Q2 2025: $-1.49Q3 2025: $2.42Q4 2025: $3.77Q1 2026: $3.44Q2 2026: $1.86Q3 2026: $0.27
Q4 2023: $-1.02Q1 2024: $-0.94Q2 2024: $-0.75Q3 2024: $-3.01Q4 2024: $-3.90Q1 2025: $-3.68Q2 2025: $-1.49Q3 2025: $2.42Q4 2025: $3.77Q1 2026: $3.44Q2 2026: $1.86Q3 2026: $0.27
QuarterTTM EPSYoY
Q3 2026$0.27-89%
Q2 2026$1.86+$3.35
Q1 2026$3.44+$7.12
Q4 2025$3.77+$7.67
Q3 2025$2.42+$5.43
Q2 2025-$1.49-$0.74
Q1 2025-$3.68-$2.74
Q4 2024-$3.90-$2.88

CYH has the edge over UNH on earnings, with more consistent year-over-year improvement.

UNH Earnings Per Share

Q4 2023: $23.86Q1 2024: $16.38Q2 2024: $15.10Q3 2024: $15.37Q4 2024: $15.51Q1 2025: $23.89Q2 2025: $23.09Q3 2025: $19.17Q4 2025: $13.23Q1 2026: $13.28Q2 2026: $15.58Q3 2026: $17.55Forward: $22.65
Q4 2023: $23.86Q1 2024: $16.38Q2 2024: $15.10Q3 2024: $15.37Q4 2024: $15.51Q1 2025: $23.89Q2 2025: $23.09Q3 2025: $19.17Q4 2025: $13.23Q1 2026: $13.28Q2 2026: $15.58Q3 2026: $17.55Forward: $22.65
QuarterTTM EPSYoY
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.

CYH Quarterly Revenue

Q4 2023: $3.2BQ1 2024: $3.1BQ2 2024: $3.1BQ3 2024: $3.1BQ4 2024: $3.3BQ1 2025: $3.2BQ2 2025: $3.1BQ3 2025: $3.1BQ4 2025: $3.1BQ1 2026: $3BQ2 2026: $2.8BQ3 2026: $2.8B
Q4 2023: $3.2BQ1 2024: $3.1BQ2 2024: $3.1BQ3 2024: $3.1BQ4 2024: $3.3BQ1 2025: $3.2BQ2 2025: $3.1BQ3 2025: $3.1BQ4 2025: $3.1BQ1 2026: $3BQ2 2026: $2.8BQ3 2026: $2.8B
QuarterRevenueYoY
Q3 2026$2.8B-11%
Q2 2026$2.8B-9.8%
Q1 2026$3B-6.1%
Q4 2025$3.1B-4.9%
Q3 2025$3.1B-0.1%
Q2 2025$3.1B-0.2%
Q1 2025$3.2B+0.6%
Q4 2024$3.3B+2.6%

CYH's revenue has slid since its 2019 peak: $2.8B last quarter, down 11% from the same quarter a year ago.

UNH Quarterly Revenue

Q4 2023: $94.4BQ1 2024: $99.8BQ2 2024: $98.9BQ3 2024: $101BQ4 2024: $101BQ1 2025: $110BQ2 2025: $112BQ3 2025: $113BQ4 2025: $113BQ1 2026: $112BQ2 2026: $112BQ3 2026: $113B
Q4 2023: $94.4BQ1 2024: $99.8BQ2 2024: $98.9BQ3 2024: $101BQ4 2024: $101BQ1 2025: $110BQ2 2025: $112BQ3 2025: $113BQ4 2025: $113BQ1 2026: $112BQ2 2026: $112BQ3 2026: $113B
QuarterRevenueYoY
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 CYH on sales, with more consistent year-over-year improvement.

CYH Free Cash Flow

Q4 2023: −$20MQ1 2024: $3MQ2 2024: $13MQ3 2024: −$3MQ4 2024: $107MQ1 2025: $35MQ2 2025: −$3MQ3 2025: $4MQ4 2025: $172MQ1 2026: −$373MQ2 2026: $12MQ3 2026: $67M
Q4 2023: −$20MQ1 2024: $3MQ2 2024: $13MQ3 2024: −$3MQ4 2024: $107MQ1 2025: $35MQ2 2025: −$3MQ3 2025: $4MQ4 2025: $172MQ1 2026: −$373MQ2 2026: $12MQ3 2026: $67M
QuarterFree cash flowYoY
Q3 2026$67M+1575%
Q2 2026$12M+$15M
Q1 2026-$373M-1166%
Q4 2025$172M+61%
Q3 2025$4M+$7M
Q2 2025-$3M-123%
Q1 2025$35M+1067%
Q4 2024$107M+$127M

CYH's free cash flow was −$122M over the past year, against $143M the year before.

UNH Free Cash Flow

Q4 2023: −$6.2BQ1 2024: $401MQ2 2024: $5.9BQ3 2024: $13BQ4 2024: $1.5BQ1 2025: $4.6BQ2 2025: $6.3BQ3 2025: $5.1BQ4 2025: $160MQ1 2026: $8.1BQ2 2026: $10.3BQ3 2026: $4.3B
Q4 2023: −$6.2BQ1 2024: $401MQ2 2024: $5.9BQ3 2024: $13BQ4 2024: $1.5BQ1 2025: $4.6BQ2 2025: $6.3BQ3 2025: $5.1BQ4 2025: $160MQ1 2026: $8.1BQ2 2026: $10.3BQ3 2026: $4.3B
QuarterFree cash flowYoY
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 CYH on cash generation, producing positive trailing cash flow while its opponent burns cash.

CYH Total Shares

Q4 2023: 130MQ1 2024: 131MQ2 2024: 132MQ3 2024: 132MQ4 2024: 132MQ1 2025: 133MQ2 2025: 135MQ3 2025: 135MQ4 2025: 135MQ1 2026: 134MQ2 2026: 137MQ3 2026: 136M
Q4 2023: 130MQ1 2024: 131MQ2 2024: 132MQ3 2024: 132MQ4 2024: 132MQ1 2025: 133MQ2 2025: 135MQ3 2025: 135MQ4 2025: 135MQ1 2026: 134MQ2 2026: 137MQ3 2026: 136M
PeriodChange %Net change
Quarterly-0.7%-963K shares
1 year+0.3%+355K shares
3 years+3.7%+4.8M shares
5 years+3.6%+4.7M shares
Available history+19%+21.6M shares

CYH has 136M diluted shares, about the same as a year ago.

UNH Total Shares

Q4 2023: 938MQ1 2024: 922MQ2 2024: 928MQ3 2024: 930MQ4 2024: 929MQ1 2025: 918MQ2 2025: 910MQ3 2025: 908MQ4 2025: 911MQ1 2026: 910MQ2 2026: 906MQ3 2026: 902M
Q4 2023: 938MQ1 2024: 922MQ2 2024: 928MQ3 2024: 930MQ4 2024: 929MQ1 2025: 918MQ2 2025: 910MQ3 2025: 908MQ4 2025: 911MQ1 2026: 910MQ2 2026: 906MQ3 2026: 902M
PeriodChange %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 CYH on shareholder dilution, with a more favorable share count trend.

CYH Net Leverage

Q4 2023: 7.8xQ1 2024: 7.9xQ2 2024: 7.9xQ3 2024: 10.7xQ4 2024: 11.1xQ1 2025: 10.2xQ2 2025: 7.9xQ3 2025: 5.9xQ4 2025: 5.3xQ1 2026: 4.9xQ2 2026: 5.2xQ3 2026: 5.5x
Q4 2023: 7.8xQ1 2024: 7.9xQ2 2024: 7.9xQ3 2024: 10.7xQ4 2024: 11.1xQ1 2025: 10.2xQ2 2025: 7.9xQ3 2025: 5.9xQ4 2025: 5.3xQ1 2026: 4.9xQ2 2026: 5.2xQ3 2026: 5.5x
QuarterNet LeverageStatus
Q3 20265.5xHigh
Q2 20265.2xHigh
Q1 20264.9xHigh
Q4 20255.3xHigh
Q3 20255.9xHigh
Q2 20257.9xHigh
Q1 202510.2xHigh
Q4 202411.1xHigh

CYH's net debt is about 5.5 years of its operating earnings (EBITDA), down from 5.9 years a year ago.

UNH Net Leverage

Q4 2023: 1.0xQ1 2024: 1.3xQ2 2024: 1.4xQ3 2024: 1.3xQ4 2024: 1.4xQ1 2025: 1.3xQ2 2025: 1.5xQ3 2025: 1.7xQ4 2025: 2.3xQ1 2026: 2.2xQ2 2026: 1.7xQ3 2026: 1.7x
Q4 2023: 1.0xQ1 2024: 1.3xQ2 2024: 1.4xQ3 2024: 1.3xQ4 2024: 1.4xQ1 2025: 1.3xQ2 2025: 1.5xQ3 2025: 1.7xQ4 2025: 2.3xQ1 2026: 2.2xQ2 2026: 1.7xQ3 2026: 1.7x
QuarterNet LeverageStatus
Q3 20261.7xHealthy
Q2 20261.7xHealthy
Q1 20262.2xModerate
Q4 20252.3xModerate
Q3 20251.7xHealthy
Q2 20251.5xHealthy
Q1 20251.3xHealthy
Q4 20241.4xHealthy

UNH has the edge over CYH on leverage, with a lower net debt burden relative to earnings.

CYH Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic19.0Oversold

CYH's weekly RSI is 34 (neutral) and its Stochastic is 19 (oversold).

UNH Weekly Momentum

MetricValueStatus
RSI56.4Neutral
Stochastic60.0Neutral

UNH's weekly RSI is 56 (neutral) and its Stochastic is 60 (neutral).

CYH PE vs Healthcare Sector

MetricCYHSector medianRelative
PE8.2x26x68% below
PE %922963 pts above

CYH has the edge over UNH on valuation relative to its sector.

UNH PE vs Healthcare Sector

MetricUNHSector medianRelative
PE23x26x11% below
PE %472918 pts above

UNH is trading at 23x earnings, a 11% discount to the Healthcare sector's median of 26x.

CYH Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$2.6316% below
20 week MA$2.9024% below
50 week MA$3.0327% below
100 week MA$3.0928% below
200 week MA$3.5538% below

CYH is in a downtrend: it's below all five of its weekly moving averages, and 38% below its 200-week average.

UNH Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$394.22.8% above
20 week MA$400.51.2% above
50 week MA$361.212% above
100 week MA$376.07.8% above
200 week MA$446.69.3% below

UNH has the edge over CYH on trend strength, trading above more of its moving averages.

CYH Yearly ROI

YearStart priceEnd priceROI
2020$2.77$7.67+177%
2021$7.67$13.3+73%
2022$13.3$3.88-71%
2023$3.88$3.13-19%
2024$3.13$3.03-3.2%
2025$3.03$3.23+6.6%
2026 YTD$3.23$2.21-32%

CYH's yearly returns have swung widely, from +177% in 2020 to −71% in 2022. It's down 32% so far in 2026.

UNH Yearly ROI

YearStart priceEnd priceROI
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 CYH on returns for 2026, with the stronger performance.

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