NRC
National Research Corporation
There isn't enough reported data to score NRC 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.
NRC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Strong | |
| Weak |
NRC's cash flow is currently strong, and its revenue and profitability are stable, but its balance sheet is weak.
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.
NRC PE Valuation
NRC 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.
NRC Forward outlook
There aren't enough analyst estimates for NRC 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.
NRC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2025 | $0.69 | -39% |
| Q2 2025 | $0.75 | -38% |
| Q1 2025 | $1.02 | -18% |
| Q4 2024 | $1.04 | -17% |
| Q3 2024 | $1.13 | -2.6% |
| Q2 2024 | $1.21 | +3.4% |
| Q1 2024 | $1.24 | +2.5% |
| Q4 2023 | $1.25 | -1.6% |
UNH has the stronger earnings trend. Trailing diluted EPS is down 39% for NRC 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.
NRC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $38.4M | +11% |
| Q2 2026 | $35.4M | +4% |
| Q1 2026 | $34.8M | +3.7% |
| Q4 2025 | $35.2M | -4.6% |
| Q3 2025 | $34.6M | -3.4% |
| Q2 2025 | $34M | -2.8% |
| Q1 2025 | $33.6M | -5% |
| Q4 2024 | $36.9M | -2.9% |
NRC's revenue has held roughly level: $38M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +0.8 points |
| Q2 2026 | -9.2% | -14 points |
| Q1 2026 | 16% | -9.6 points |
| Q4 2025 | 13% | -13 points |
| Q3 2025 | 22% | +0.1 points |
| Q2 2025 | 4.7% | -21 points |
| Q1 2025 | 26% | +0.8 points |
| Q4 2024 | 26% | -4.8 points |
NRC has the edge over UNH on profitability, with a higher operating margin.
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 NRC 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's operating margin was 5.8% last quarter, up 2 points from the same quarter a year ago.
NRC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7M | -31% |
| Q2 2026 | $62K | +$4.2M |
| Q1 2026 | $5.3M | +46% |
| Q4 2025 | $6.1M | +213% |
| Q3 2025 | $10.2M | +30% |
| Q2 2025 | -$4.1M | -374% |
| Q1 2025 | $3.7M | -54% |
| Q4 2024 | $1.9M | -76% |
NRC still generates free cash flow, though less than at its 2020 peak: $18M over the past year.
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 NRC on cash flow, with more consistent year-over-year improvement.
NRC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -122K shares |
| 1 year | -1.1% | -243K shares |
| 3 years | -11% | -2.8M shares |
| 5 years | -15% | -3.8M shares |
| Available history | -13% | -3.1M shares |
NRC has the edge over UNH on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $16M |
| Q2 2026 | $7.6M |
| Q1 2026 | $1.9M |
| Q4 2025 | $1,000 |
| Q3 2025 | $9.3M |
| Q2 2025 | $6M |
| Q1 2025 | $4.9M |
| Q4 2024 | $7.4M |
NRC spent $26M buying back its own shares over the past year, down 7.3% from the year before.
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 902M diluted shares, down 0.7% from a year ago, with $5B in buybacks over the past year.
| 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.
NRC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 4.1x | High |
| Q2 2026 | 3.7x | Elevated |
| Q1 2026 | 2.6x | Moderate |
| Q4 2025 | 2.4x | Moderate |
| Q3 2020 | 0.1x | Very low |
| Q2 2020 | 0.4x | Very low |
| Q1 2020 | 0.4x | Very low |
| Q4 2019 | 0.3x | Very low |
NRC's net debt is about 4.1 years of its operating earnings (EBITDA), up from less than a year a year ago.
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 has the edge over NRC on leverage, with a lower net debt burden relative to earnings.
NRC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 72.6 | Overbought |
| Stochastic | 87.0 | Overbought |
NRC's weekly RSI is 73 (overbought) and its Stochastic is 87 (overbought).
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).
NRC PE vs Healthcare Sector
| Metric | NRC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 26x | — |
NRC 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.
NRC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.3 | 19% above |
| 20 week MA | $21.7 | 23% above |
| 50 week MA | $19.3 | 38% above |
| 100 week MA | $17.0 | 56% above |
| 200 week MA | $26.4 | 0.9% above |
NRC has the edge over UNH on trend strength, trading above more of its moving averages.
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 bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 9.3% below its 200-week average.
NRC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $66.6 | $44.4 | -33% |
| 2021 | $44.4 | $41.5 | -6.5% |
| 2022 | $41.5 | $37.3 | -10% |
| 2023 | $37.3 | $39.6 | +6.1% |
| 2024 | $39.6 | $17.4 | -56% |
| 2025 | $17.4 | $18.7 | +7.1% |
| 2026 YTD | $18.7 | $26.6 | +43% |
NRC has the edge over UNH on returns for 2026, with the stronger performance.
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 finished three years in a row lower, and it's up 22% so far in 2026.