PRVA
Privia Health Group, Inc.
PRVA has the edge over UNH overall, supported by stronger valuation and stronger fundamentals.
UNH
UnitedHealth Group Incorporated
UNH's outlook is improving, though it still trails on the overall score.
PRVA Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Stable | |
| Healthy |
PRVA'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.
PRVA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 54x | $23.67 | — |
| Current | 88x | $23.67 | — |
| Cheap | 90x | $24.32 | +2.7% |
| Fair | 150x | $40.60 | +72% |
| Expensive | 207x | $55.80 | +136% |
Historical ranges are pointers, not guarantees.
PRVA 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.
PRVA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
PRVA 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.
PRVA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.44 | +61% |
| Q3 2026 | $0.27 | +108% |
| Q2 2026 | $0.22 | +100% |
| Q1 2026 | $0.17 | +42% |
| Q4 2025 | $0.18 | +64% |
| Q3 2025 | $0.13 | +30% |
| Q2 2025 | $0.11 | -8.3% |
| Q1 2025 | $0.12 | -20% |
| Q4 2024 | $0.11 | -42% |
PRVA 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.
PRVA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $657M | +13% |
| Q2 2026 | $632.6M | +21% |
| Q1 2026 | $603.8M | +26% |
| Q4 2025 | $541.2M | +17% |
| Q3 2025 | $580.4M | +33% |
| Q2 2025 | $521.2M | +23% |
| Q1 2025 | $480.1M | +16% |
| Q4 2024 | $460.9M | +4.6% |
PRVA has the edge over UNH on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 3.1% | +0.6 points |
| Q2 2026 | 1.9% | +1.2 points |
| Q1 2026 | 1.2% | +0.1 points |
| Q4 2025 | 2.1% | +0.9 points |
| Q3 2025 | 2.5% | +1.1 points |
| Q2 2025 | 0.6% | -0.6 points |
| Q1 2025 | 1.1% | +0.9 points |
| Q4 2024 | 1.1% | +0.8 points |
PRVA's operating margin was 3.1% last quarter, up 0.6 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 PRVA on profitability, with a higher operating margin.
PRVA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.9M | -44% |
| Q2 2026 | $1.1M | -86% |
| Q1 2026 | -$49.5M | -$25.4M |
| Q4 2025 | $127.5M | +70% |
| Q3 2025 | $52M | +57% |
| Q2 2025 | $8M | -77% |
| Q1 2025 | -$24.1M | +$9.1M |
| Q4 2024 | $74.8M | +17% |
PRVA generated $108M in free cash flow over the past year, down 2.4% 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 has the edge over PRVA on cash flow, with more consistent year-over-year improvement.
PRVA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.7% | +883K shares |
| 1 year | +3.1% | +3.9M shares |
| 3 years | +6.2% | +7.8M shares |
| 5 years | +25% | +26.8M shares |
| Available history | +29% | +29.9M shares |
PRVA has 133M diluted shares, up 3.1% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
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 PRVA 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.
PRVA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -7.0x | Net Cash |
| Q2 2026 | -7.2x | Net Cash |
| Q1 2026 | -8.8x | Net Cash |
| Q4 2025 | -10.9x | Net Cash |
| Q3 2025 | -11.8x | Net Cash |
| Q2 2025 | -14.1x | Net Cash |
| Q1 2025 | -16.3x | Net Cash |
| Q4 2024 | -20.3x | Net Cash |
PRVA 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.
PRVA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.1 | Neutral |
| Stochastic | 71.7 | Neutral |
PRVA's weekly RSI is 55 (neutral) and its Stochastic is 72 (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).
PRVA PE vs Healthcare Sector
| Metric | PRVA | Sector median | Relative |
|---|---|---|---|
| PE | 88x | 26x | 239% above |
| PE % | 15 | 36 | 21 pts below |
PRVA is trading at 88x earnings, a 239% 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 PRVA on valuation relative to its sector.
PRVA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.9 | 8% above |
| 20 week MA | $22.7 | 4.4% above |
| 50 week MA | $22.9 | 3.4% above |
| 100 week MA | $22.9 | 3.6% above |
| 200 week MA | $22.6 | 4.9% above |
PRVA 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.
PRVA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $36.3 | $26.2 | -28% |
| 2022 | $26.2 | $23.4 | -11% |
| 2023 | $23.4 | $23.0 | -1.6% |
| 2024 | $23.0 | $19.9 | -14% |
| 2025 | $19.9 | $24.1 | +22% |
| 2026 YTD | $24.1 | $23.7 | -1.9% |
PRVA has finished lower in four of the last five years. It's down 1.9% 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 PRVA on returns for 2026, with the stronger performance.