HQY vs UNH
As of Sep 20, 2026, Healthequity (HQY) scores 6.5/10 and Unitedhealth Group (UNH) 5.7/10 on AlphaStocks' five-model composite, so HQY scores higher. HQY trades 45% above its model fair value; UNH trades 6% above its model fair value.
HQY
HEALTHEQUITY, INC.
6.5
Consider Buy
$95.13
UNH
UNITEDHEALTH GROUP INC
5.7
Consider Buy
$376.94
HQY vs UNH: Which is the Better Investment?
HEALTHEQUITY, INC. (HQY) scores 6.5/10 while UNITEDHEALTH GROUP INC (UNH) scores 5.7/10 on AlphaStocks' composite model. HEALTHEQUITY, INC. has the higher composite rating of Consider Buy. On a P/E basis, UNITEDHEALTH GROUP INC trades at 28.5x, making it the more attractively priced of the two.
This comparison is algorithmically generated and is not financial advice.
| Metric | HQY | UNH |
|---|---|---|
| Scores & Fundamentals | ||
| Composite Score | 6.5/10▲ | 5.7/10 |
| Rating | Consider Buy▲ | Consider Buy |
| Price | $95.13 | $376.94 |
| P/E Ratio | 38.7 | 28.5▲ |
| ROE | 10.1% | 12.3%▲ |
| Market Cap | $8B | $343B |
| Fair Value | $65.60 | $356.51 |
| Dividend Yield | — | 2.0% |
| Sector Rank | #30 of 168▲ | #71 of 168 |
| Model Verdicts | ||
| Piotroski | Strong▲ | Attractive |
| Buffett | Attractive▲ | Neutral |
| Graham | Caution | Caution |
| Lynch | Neutral▲ | Caution |
| Greenblatt | Neutral | Neutral |
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HQY vs UNH: Which Stock Scores Higher?
HEALTHEQUITY, INC. (HQY) and UNITEDHEALTH GROUP INC (UNH) are both in the Health Care sector. HQY currently leads with a composite score of 6.5/10 (Consider Buy) compared to UNH's 5.7/10 (Consider Buy).
The AlphaStocks composite score evaluates each stock across four dimensions: Quality (business strength measured by Piotroski F-Score and Buffett quality criteria), Value (discount to intrinsic worth using Graham, Lynch, and Greenblatt models), Momentum (6-month price trend), and Timing (a confirmation signal that requires both value and momentum to align). A higher composite score indicates stronger overall fundamentals combined with favorable market conditions.
This comparison uses the same scoring framework for both companies, ensuring an apples-to-apples evaluation. Scores are recalculated daily after market close using data from SEC filings and market prices. Read the full methodology to understand how each model contributes to the composite score.
Scores are algorithm-generated research tools, not investment recommendations. Past performance does not guarantee future results. Always do your own due diligence. Full disclaimer