TVRD
Tvardi Therapeutics, Inc.
There isn't enough reported data to score TVRD 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.
TVRD Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| Unavailable | |
| Strong |
TVRD's balance sheet is currently strong, but its revenue and profitability are under pressure. There isn't enough data to rate its cash flow.
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.
TVRD PE Valuation
TVRD 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.
TVRD Forward outlook
There aren't enough analyst estimates for TVRD 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.
TVRD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$2.79 | +$14.54 |
| Q1 2026 | -$3.10 | +$26.55 |
| Q4 2025 | -$5.59 | +$41.00 |
| Q3 2025 | -$9.64 | +$53.72 |
| Q2 2025 | -$17.33 | +$56.47 |
| Q1 2025 | -$29.65 | +$51.71 |
| Q4 2024 | -$46.59 | +$32.25 |
| Q3 2024 | -$63.36 | +$14.04 |
TVRD is still losing money, but far less than before: $2.79 per share over the past year, against $91.80 at its worst in early 2020.
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 TVRD on earnings quality, reporting a profit while its opponent remains loss making.
TVRD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2025 | $2.6M | +20% |
| Q4 2024 | $1.5M | -52% |
| Q3 2024 | $2.6M | -47% |
| Q2 2024 | $991K | -86% |
| Q1 2024 | $2.1M | -65% |
| Q4 2023 | $3M | -7.9% |
| Q3 2023 | $4.9M | -55% |
| Q2 2023 | $6.9M | -70% |
TVRD has the stronger quarterly revenue trend. Revenue is up 20% for TVRD versus down 0.4% for UNH.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2025 | -93% | +1297 points |
| Q4 2024 | -373% | +713 points |
| Q3 2024 | -234% | +360 points |
| Q2 2024 | -1746% | -1280 points |
| Q1 2024 | -1390% | -941 points |
| Q4 2023 | -1085% | -125 points |
| Q3 2023 | -594% | -373 points |
| Q2 2023 | -466% | -447 points |
TVRD's operating margin was −93% last quarter, up 1297 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's operating margin was 5.8% last quarter, up 2 points from the same quarter a year ago.
TVRD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$9.2M | -$363K |
| Q4 2025 | -$5.7M | -$1.6M |
| Q3 2025 | -$4.3M | +$9.7M |
| Q2 2025 | -$8.9M | +$3.8M |
| Q4 2024 | -$4M | +$15.4M |
| Q4 2023 | -$19.4M | +$4.1M |
| Q2 2022 | -$4.5M | +$16.5M |
| Q1 2022 | -$25.6M | -$1.8M |
TVRD has burned cash in almost every quarter: −$25M over the past year, against −$40M 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.
TVRD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | +11% | +926K shares |
| 3 years | +525% | +7.9M shares |
| 5 years | +575% | +8M shares |
| Available history | +659% | +8.1M shares |
TVRD has 9M diluted shares, up 11% 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 TVRD 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.
TVRD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2021 | -1.0x | Net Cash |
| Q2 2021 | -3.2x | Net Cash |
| Q1 2021 | -1.9x | Net Cash |
| Q4 2020 | -5.7x | Net Cash |
TVRD has more cash than debt.
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.
TVRD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 36.5 | Neutral |
| Stochastic | 15.1 | Oversold |
TVRD's weekly RSI is 36 (neutral) and its Stochastic is 15 (oversold).
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).
TVRD PE vs Healthcare Sector
TVRD 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.
TVRD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.04 | 12% above |
| 20 week MA | $1.71 | 32% below |
| 50 week MA | $2.86 | 59% below |
UNH has stronger trend alignment. TVRD is above 1 of 3 weekly averages versus UNH above 4 of 5.
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.
TVRD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $14.7 | $4.14 | -72% |
| 2026 YTD | $4.14 | $1.16 | -72% |
TVRD has finished every year since 2025 lower, and it's down 72% 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 TVRD on returns for 2026, with the stronger performance.