ISPC
iSpecimen Inc.
There isn't enough reported data to score ISPC 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.
ISPC Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| Unavailable | |
| Unavailable |
ISPC's revenue and profitability are currently under pressure. There isn't enough data to rate its 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.
ISPC PE Valuation
ISPC 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.
ISPC Forward outlook
There aren't enough analyst estimates for ISPC 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.
ISPC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$53.64 | +$674.36 |
| Q1 2026 | -$69.46 | +$793.74 |
| Q4 2025 | -$91.20 | +$999.60 |
| Q3 2025 | -$663.20 | +$116.80 |
| Q2 2025 | -$728.00 | +$152.00 |
| Q1 2025 | -$863.20 | +$176.80 |
| Q4 2024 | -$1,090.80 | -$106.80 |
| Q3 2024 | -$780.00 | +$108.00 |
ISPC is still losing money, but far less than before: $53.64 per share over the past year, against $1,090.80 at its worst in late 2024.
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 ISPC on earnings quality, reporting a profit while its opponent remains loss making.
ISPC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $151.9K | -79% |
| Q1 2026 | $156K | -85% |
| Q4 2025 | $51.8K | -96% |
| Q3 2025 | $106.6K | -96% |
| Q2 2025 | $713.1K | -75% |
| Q1 2025 | $1.1M | -54% |
| Q4 2024 | $1.5M | -43% |
| Q3 2024 | $2.7M | -4.2% |
ISPC's revenue has slid since its 2022 peak: $151,940 last quarter, down 79% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -897% | -642 points |
| Q1 2026 | -1627% | -1472 points |
| Q4 2025 | -5193% | -4797 points |
| Q3 2025 | -2655% | -2591 points |
| Q2 2025 | -255% | -179 points |
| Q1 2025 | -155% | -24 points |
| Q4 2024 | -396% | -284 points |
| Q3 2024 | -64% | +15 points |
ISPC's operating margin was −897% last quarter, down 642 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 ISPC 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 ISPC on profitability, with a higher operating margin.
ISPC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | -$916.9K | +$2.7M |
| Q3 2025 | -$2M | -$941.6K |
| Q4 2024 | -$3.6M | -1137% |
| Q3 2024 | -$1.1M | +$545.5K |
| Q2 2024 | -$1.5M | +$159.8K |
| Q1 2024 | -$2.1M | +$752.1K |
| Q1 2023 | -$2.8M | -$1.5M |
UNH has the stronger cash trend. Its trailing FCF is up 5.2% versus its history, compared with ISPC at down 40%.
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.
ISPC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +308% | +1.1M shares |
| 1 year | +2301% | +1.3M shares |
| 3 years | +12322% | +1.4M shares |
ISPC has 1M diluted shares, up 2301% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | $52,500 |
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 ISPC 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.
ISPC Net Leverage
ISPC'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.
ISPC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.7 | Oversold |
| Stochastic | 3.4 | Oversold |
ISPC's weekly RSI is 26 (oversold) and its Stochastic is 3 (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).
ISPC PE vs Healthcare Sector
ISPC 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.
ISPC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.94 | 26% below |
| 20 week MA | $1.53 | 54% below |
| 50 week MA | $6.03 | 88% below |
| 100 week MA | $29.8 | 98% below |
| 200 week MA | $303.4 | 100% below |
ISPC is in a downtrend: it's below all five of its weekly moving averages, and 100% 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 ISPC on trend strength, trading above more of its moving averages.
ISPC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $5,992.0 | $9,288.0 | +55% |
| 2022 | $9,288.0 | $1,056.0 | -89% |
| 2023 | $1,056.0 | $400.4 | -62% |
| 2024 | $400.4 | $112.4 | -72% |
| 2025 | $112.4 | $15.3 | -86% |
| 2026 YTD | $15.3 | $0.70 | -95% |
ISPC has finished four years in a row lower, and it's down 95% 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 ISPC on returns for 2026, with the stronger performance.