UFPT
UFP Technologies, Inc.
UFPT offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
UNH
UnitedHealth Group Incorporated
UNH has a slight edge over UFPT overall, supported by stronger valuation and lower modeled downside.
UFPT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Stable | |
| Healthy |
UFPT'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.
UFPT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 22x | $218 | -29% |
| Forward | 28x | $306 | — |
| Fair | 29x | $283 | -7.5% |
| Current | 31x | $306 | — |
| Expensive | 35x | $343 | +12% |
Historical ranges are pointers, not guarantees.
UFPT's PE is in its fair range at 31x. If earnings grow as analysts expect, today's price would be 28x next year's earnings.
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 has the edge over UFPT in the historical PE scenario, which offers more potential upside but is not a forecast.
UFPT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
UFPT 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.
UFPT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $10.74 | +9.5% |
| Q3 2026 | $9.81 | +14% |
| Q2 2026 | $9.28 | +7.5% |
| Q1 2026 | $8.81 | +7.8% |
| Q4 2025 | $8.78 | +16% |
| Q3 2025 | $8.63 | +23% |
| Q2 2025 | $8.63 | +34% |
| Q1 2025 | $8.17 | +31% |
| Q4 2024 | $7.60 | +30% |
UFPT 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.
UFPT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $172.4M | +12% |
| Q2 2026 | $174M | +15% |
| Q1 2026 | $154.2M | +4.1% |
| Q4 2025 | $148.9M | +3.4% |
| Q3 2025 | $154.6M | +6.5% |
| Q2 2025 | $151.2M | +37% |
| Q1 2025 | $148.1M | +41% |
| Q4 2024 | $144.1M | +42% |
UFPT has the edge over UNH on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 16% | +0.9 points |
| Q2 2026 | 16% | +0.1 points |
| Q1 2026 | 15% | -0.5 points |
| Q4 2025 | 14% | -1 points |
| Q3 2025 | 15% | -1.9 points |
| Q2 2025 | 16% | -0.2 points |
| Q1 2025 | 16% | +0.4 points |
| Q4 2024 | 15% | +2.9 points |
UFPT 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.
UFPT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $38.5M | +7.3% |
| Q2 2026 | $15.6M | -31% |
| Q1 2026 | $3.2M | -71% |
| Q4 2025 | $16.8M | -21% |
| Q3 2025 | $35.9M | +103% |
| Q2 2025 | $22.5M | +151% |
| Q1 2025 | $11M | +23% |
| Q4 2024 | $21.4M | +115% |
UFPT generated $74M in free cash flow over the past year, down 18% 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.
UFPT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +18K shares |
| 1 year | +0.3% | +26K shares |
| 3 years | +1.3% | +97K shares |
| 5 years | +2.8% | +209K shares |
| Available history | +3.9% | +290K shares |
UFPT has 8M diluted shares, about the same as 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 UFPT 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.
UFPT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | 1.3x | Healthy |
| Q1 2025 | 1.6x | Healthy |
| Q4 2024 | 1.8x | Healthy |
| Q3 2024 | 2.3x | Moderate |
| Q2 2024 | 0.3x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.4x | Very low |
| Q3 2023 | 0.6x | Very low |
UFPT's net debt is about 1.3 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's net debt is about 1.7 years of its operating earnings (EBITDA), about the same as a year ago.
UFPT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.6 | Neutral |
| Stochastic | 49.5 | Neutral |
UFPT's weekly RSI is 61 (neutral) and its Stochastic is 50 (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).
UFPT PE vs Healthcare Sector
| Metric | UFPT | Sector median | Relative |
|---|---|---|---|
| PE | 31x | 26x | 21% above |
| PE % | 65 | 29 | 36 pts above |
UFPT is trading at 31x earnings, a 21% 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 UFPT on valuation relative to its sector.
UFPT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $295.8 | 3.4% above |
| 20 week MA | $284.9 | 7.4% above |
| 50 week MA | $248.9 | 23% above |
| 100 week MA | $237.2 | 29% above |
| 200 week MA | $223.1 | 37% above |
UFPT 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.
UFPT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.7 | $46.2 | -5.2% |
| 2021 | $46.2 | $68.7 | +49% |
| 2022 | $68.7 | $115.5 | +68% |
| 2023 | $115.5 | $172.0 | +49% |
| 2024 | $172.0 | $247.0 | +44% |
| 2025 | $247.0 | $237.2 | -4% |
| 2026 YTD | $237.2 | $305.9 | +29% |
UFPT 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.