PODD
Insulet Corporation
PODD has the edge over UNH overall, supported by stronger fundamentals and stronger valuation.
UNH
UnitedHealth Group Incorporated
UNH's outlook is improving, though it still trails on the overall score.
PODD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Stable | |
| Healthy |
PODD's revenue, profitability and balance sheet are currently healthy, and its cash flow is 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.
PODD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 20x | $149 | — |
| Current | 24x | $149 | — |
| Cheap | 45x | $277 | +86% |
| Fair | 136x | $835 | +459% |
| Expensive | 1,179x | $7,213 | +4732% |
Historical ranges are pointers, not guarantees.
PODD 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.
PODD Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Moderate | |
| Low |
PODD 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.
PODD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.52 | +23% |
| Q3 2026 | $6.12 | +78% |
| Q2 2026 | $5.33 | +63% |
| Q1 2026 | $4.28 | -23% |
| Q4 2025 | $3.48 | -40% |
| Q3 2025 | $3.44 | -41% |
| Q2 2025 | $3.28 | -41% |
| Q1 2025 | $5.55 | +67% |
| Q4 2024 | $5.78 | +97% |
PODD 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.
PODD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $842M | +19% |
| Q2 2026 | $801.7M | +24% |
| Q1 2026 | $761.7M | +34% |
| Q4 2025 | $783.8M | +31% |
| Q3 2025 | $706.3M | +30% |
| Q2 2025 | $649.1M | +33% |
| Q1 2025 | $569M | +29% |
| Q4 2024 | $597.5M | +17% |
PODD has the edge over UNH on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +5.9 points |
| Q2 2026 | 16% | -2.5 points |
| Q1 2026 | 16% | +0.4 points |
| Q4 2025 | 19% | +0.4 points |
| Q3 2025 | 17% | +0.5 points |
| Q2 2025 | 19% | +7.5 points |
| Q1 2025 | 16% | +2.7 points |
| Q4 2024 | 18% | -2.6 points |
PODD 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'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's operating margin was 5.8% last quarter, up 2 points from the same quarter a year ago.
PODD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $66.4M | -34% |
| Q2 2026 | $55.9M | -69% |
| Q1 2026 | $89.5M | +74% |
| Q4 2025 | $48.2M | -49% |
| Q3 2025 | $100.1M | +39% |
| Q2 2025 | $177.9M | +140% |
| Q1 2025 | $51.5M | -21% |
| Q4 2024 | $94.1M | +492% |
PODD still generates free cash flow, though less than at its 2025 peak: $260M 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 PODD on cash flow, with more consistent year-over-year improvement.
PODD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +89K shares |
| 1 year | -1.7% | -1.2M shares |
| 3 years | -5.6% | -4.1M shares |
| 5 years | -0.2% | -127K shares |
| Available history | +12% | +7.2M shares |
PODD has the edge over UNH on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $300M |
| Q4 2025 | — |
| Q3 2025 | $29.5M |
PODD spent $300M buying back its own shares over the past year.
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.
PODD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.7x | Very low |
| Q1 2026 | 0.8x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.6x | Very low |
| Q1 2025 | 1.0x | Very low |
| Q4 2024 | 1.1x | Healthy |
PODD 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.
PODD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.0 | Neutral |
| Stochastic | 48.9 | Neutral |
PODD's weekly RSI is 44 (neutral) and its Stochastic is 49 (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).
PODD PE vs Healthcare Sector
| Metric | PODD | Sector median | Relative |
|---|---|---|---|
| PE | 24x | 26x | 5.6% below |
| PE % | 0 | 29 | 29 pts below |
PODD is trading at 24x earnings, in line with 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 PODD on valuation relative to its sector.
PODD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $142.3 | 4.9% above |
| 20 week MA | $147.8 | 1% above |
| 50 week MA | $191.3 | 22% below |
| 100 week MA | $243.7 | 39% below |
| 200 week MA | $234.4 | 36% below |
PODD has bounced recently, but its long-term trend is still down: it's above its 8- and 20-week averages, but 36% 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 PODD on trend strength, trading above more of its moving averages.
PODD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $172.5 | $257.3 | +49% |
| 2021 | $257.3 | $273.3 | +6.2% |
| 2022 | $273.3 | $292.1 | +6.9% |
| 2023 | $292.1 | $217.0 | -26% |
| 2024 | $217.0 | $265.1 | +22% |
| 2025 | $265.1 | $288.6 | +8.9% |
| 2026 YTD | $288.6 | $149.3 | -48% |
PODD is down 48% so far in 2026, after finishing higher in five of the previous six years.
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 PODD on returns for 2026, with the stronger performance.