KRMD
KORU Medical Systems, Inc.
KRMD offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
UNH
UnitedHealth Group Incorporated
UNH has a slight edge over KRMD overall, supported by stronger modeled upside and lower modeled downside.
KRMD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Stable | |
| Under pressure | |
| Strong |
KRMD's revenue and balance sheet are currently healthy, and its profitability is stable, but its cash flow is 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.
KRMD PE Valuation
KRMD has no meaningful PE right now: it lost money over the past year. If it returns to profit as analysts expect, today's price would be 226x next year's earnings.
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.
KRMD Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Returning to profit | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
KRMD has the edge over UNH on the outlook, with more favorable revenue expectations.
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.
KRMD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.02 | — |
| Q3 2026 | -$0.02 | +$0.07 |
| Q2 2026 | -$0.04 | +$0.06 |
| Q1 2026 | -$0.05 | +$0.07 |
| Q4 2025 | -$0.06 | +$0.07 |
| Q3 2025 | -$0.09 | +$0.17 |
| Q2 2025 | -$0.10 | +$0.16 |
| Q1 2025 | -$0.12 | +$0.17 |
| Q4 2024 | -$0.13 | +$0.17 |
KRMD is still losing money, but far less than before: $0.02 per share over the past year, against $0.30 at its worst in late 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 KRMD on earnings quality, reporting a profit while its opponent remains loss making.
KRMD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $11.6M | +11% |
| Q2 2026 | $12M | +18% |
| Q1 2026 | $11.8M | +22% |
| Q4 2025 | $10.9M | +23% |
| Q3 2025 | $10.4M | +27% |
| Q2 2025 | $10.2M | +21% |
| Q1 2025 | $9.6M | +18% |
| Q4 2024 | $8.8M | +23% |
KRMD has the edge over UNH on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 1.6% | +10 points |
| Q2 2026 | 5.2% | +8.3 points |
| Q1 2026 | -7.3% | +5.6 points |
| Q4 2025 | -5% | +13 points |
| Q3 2025 | -8.3% | +13 points |
| Q2 2025 | -3.1% | +11 points |
| Q1 2025 | -13% | +11 points |
| Q4 2024 | -18% | +13 points |
KRMD's operating margin was 1.6% last quarter, up 10 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'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 has the edge over KRMD on profitability, with a higher operating margin.
KRMD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.2M | -8973% |
| Q2 2026 | $108.2K | +$597.4K |
| Q1 2026 | -$31.5K | +$649.4K |
| Q4 2025 | $687K | -30% |
| Q3 2025 | $13K | +$2M |
| Q2 2025 | -$489.2K | -$376.2K |
| Q1 2025 | -$680.9K | -$201.1K |
| Q4 2024 | $983.2K | +9.2% |
KRMD has burned cash in most quarters: −$387,369 over the past year, against −$173,904 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 KRMD on cash generation, producing positive trailing cash flow while its opponent burns cash.
KRMD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -5.6% | -2.8M shares |
| 1 year | +1.1% | +493K shares |
| 3 years | +2.4% | +1.1M shares |
| 5 years | +5.4% | +2.4M shares |
| Available history | +20% | +7.7M shares |
KRMD has 47M diluted shares, up 1.1% from a year ago.
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 KRMD 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.
KRMD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -37.0x | Net Cash |
| Q3 2020 | -239.5x | Net Cash |
| Q2 2020 | -60.9x | Net Cash |
| Q1 2020 | -3.6x | Net Cash |
| Q4 2019 | -6.3x | Net Cash |
KRMD 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.
KRMD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.0 | Neutral |
| Stochastic | 30.9 | Neutral |
KRMD's weekly RSI is 53 (neutral) and its Stochastic is 31 (neutral).
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).
KRMD PE vs Healthcare Sector
| Metric | KRMD | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
KRMD 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.
KRMD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.13 | 18% above |
| 20 week MA | $3.45 | 7% above |
| 50 week MA | $4.20 | 12% below |
| 100 week MA | $3.92 | 5.9% below |
| 200 week MA | $3.39 | 8.8% above |
KRMD's trend is mixed: it's above three of its five weekly moving averages, and 8.8% above 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 KRMD on trend strength, trading above more of its moving averages.
KRMD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $6.15 | $6.09 | -1% |
| 2021 | $6.09 | $3.25 | -47% |
| 2022 | $3.25 | $3.42 | +5.2% |
| 2023 | $3.42 | $2.46 | -28% |
| 2024 | $2.46 | $3.94 | +60% |
| 2025 | $3.94 | $6.23 | +58% |
| 2026 YTD | $6.23 | $3.69 | -41% |
KRMD has finished lower in three of the last six years. It's down 41% 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 KRMD on returns for 2026, with the stronger performance.