PNTG
The Pennant Group, Inc.
PNTG has the edge over UNH overall, supported by stronger fundamentals and stronger valuation.
UNH
UnitedHealth Group Incorporated
UNH has slightly lower modeled downside risk, despite its lower overall score.
PNTG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Stable | |
| Stable |
PNTG's revenue and profitability are currently healthy, and its cash flow and balance sheet are stable.
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.
PNTG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 24x | $35.91 | — |
| Cheap | 35x | $35.37 | -1.5% |
| Current | 36x | $35.91 | — |
| Fair | 46x | $45.65 | +27% |
| Expensive | 87x | $86.68 | +141% |
Historical ranges are pointers, not guarantees.
PNTG has the edge over UNH in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
PNTG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PNTG, with profitability 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.
PNTG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.52 | +52% |
| Q3 2026 | $1.00 | +33% |
| Q2 2026 | $0.91 | +17% |
| Q1 2026 | $0.86 | +13% |
| Q4 2025 | $0.84 | +20% |
| Q3 2025 | $0.75 | +10% |
| Q2 2025 | $0.78 | +24% |
| Q1 2025 | $0.76 | +41% |
| Q4 2024 | $0.70 | +59% |
PNTG has the edge over UNH on earnings, with more consistent year-over-year improvement.
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.
PNTG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $302.3M | +32% |
| Q2 2026 | $298M | +36% |
| Q1 2026 | $285.4M | +36% |
| Q4 2025 | $289.3M | +53% |
| Q3 2025 | $229M | +27% |
| Q2 2025 | $219.5M | +30% |
| Q1 2025 | $209.8M | +34% |
| Q4 2024 | $188.9M | +29% |
PNTG has the edge over UNH on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.5% | +1 points |
| Q2 2026 | 5.8% | +0.5 points |
| Q1 2026 | 6.1% | 0 points |
| Q4 2025 | 6% | +1.2 points |
| Q3 2025 | 4.5% | -1.5 points |
| Q2 2025 | 5.3% | -0.4 points |
| Q1 2025 | 6% | +0.6 points |
| Q4 2024 | 4.9% | -0.3 points |
PNTG's operating margin was 5.5% last quarter, up 1 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 PNTG on profitability, with a higher operating margin.
PNTG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.1M | -3.2% |
| Q2 2026 | $15.5M | -51% |
| Q1 2026 | -$8.7M | +$14.5M |
| Q4 2025 | $17.4M | +0.9% |
| Q3 2025 | $10.5M | +54% |
| Q2 2025 | $31.6M | +256% |
| Q1 2025 | -$23.2M | -$20.6M |
| Q4 2024 | $17.2M | +511% |
PNTG generated $34M in free cash flow over the past year, down 4.9% from 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 still generates free cash flow, though less than at its 2022 peak: $22.8B over the past year.
PNTG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +427K shares |
| 1 year | +3.2% | +1.1M shares |
| 3 years | +20% | +6.2M shares |
| 5 years | +19% | +5.8M shares |
| Available history | +23% | +6.8M shares |
PNTG has 36M diluted shares, up 3.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2021 | — |
| Q3 2021 | — |
| Q4 2020 | — |
| Q3 2020 | $8,000 |
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 PNTG 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.
PNTG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.2x | Moderate |
| Q2 2026 | 2.5x | Moderate |
| Q1 2026 | 2.4x | Moderate |
| Q4 2025 | 2.5x | Moderate |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.4x | Very low |
| Q1 2025 | 1.0x | Very low |
| Q4 2024 | -0.6x | Net Cash |
PNTG's net debt is about 2.2 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 PNTG on leverage, with a lower net debt burden relative to earnings.
PNTG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.9 | Neutral |
| Stochastic | 27.8 | Neutral |
PNTG's weekly RSI is 45 (neutral) and its Stochastic is 28 (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).
PNTG PE vs Healthcare Sector
| Metric | PNTG | Sector median | Relative |
|---|---|---|---|
| PE | 36x | 26x | 39% above |
| PE % | 18 | 29 | 11 pts below |
PNTG is trading at 36x earnings, a 39% premium to the Healthcare sector's median of 26x.
UNH PE vs Healthcare Sector
| Metric | UNH | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 26x | 11% below |
| PE % | 47 | 29 | 18 pts above |
UNH has the edge over PNTG on valuation relative to its sector.
PNTG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $39.7 | 9.5% below |
| 20 week MA | $39.6 | 9.2% below |
| 50 week MA | $34.7 | 3.6% above |
| 100 week MA | $30.2 | 19% above |
| 200 week MA | $24.5 | 46% above |
PNTG has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 46% 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 PNTG on trend strength, trading above more of its moving averages.
PNTG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.2 | $61.0 | +90% |
| 2021 | $61.0 | $21.9 | -64% |
| 2022 | $21.9 | $9.95 | -55% |
| 2023 | $9.95 | $13.9 | +40% |
| 2024 | $13.9 | $26.6 | +91% |
| 2025 | $26.6 | $29.1 | +9.1% |
| 2026 YTD | $29.1 | $35.9 | +24% |
PNTG 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.