Compare Stocks › ADSK vs UNH

Autodesk, Inc. (ADSK) vs UnitedHealth Group Incorporated (UNH): Which Is the Better Buy in 2026?

As of 2026-06-19, ADSK is overvalued at $194, with a DCF intrinsic value of $173 and a margin of safety of -12%. UNH is fairly valued at $401, with an intrinsic value of $376 and a margin of safety of -7%. Of the two, UNH has the wider margin of safety.

ADSK

Autodesk, Inc.

$193.82

UNH

UnitedHealth Group Incorporated

$400.96

Rewards

ADSK

★Autodesk, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
★Gross margin of 92.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
★Autodesk, Inc. scores 99/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.

UNH

★UnitedHealth Group Incorporated scores 73/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.

Risks

ADSK

⚠FCF yield of 7.5% suggests reasonable valuation assuming continued moderate growth.

UNH

⚠ROIC has declined by 6.9 percentage points over the past 4 years, which may signal competitive erosion.
⚠Gross margin of 18.8% is low, suggesting a competitive or commodity-like market with limited pricing power.
⚠Free cash flow has declined at a 11.8% CAGR over the past 4 years — a concerning trend.

Key Valuation Metrics

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ADSK

UNH

Valuation

$3.06B

Free Cash Flow

$17.69B

7.48%

FCF Yield

4.86%

28.29

Trailing P/E

30.17

13.60

Forward P/E

19.18

Quality & Moat

29.61%

ROIC

15.60%

50.40%

ROE

12.18%

92.43%

Gross Margin

18.80%

0.77

PEG Ratio

1.41

Balance Sheet Safety

Net cash

Net Debt / Equity

0.44

N/A

Interest Coverage

N/A

-0.09

Net Debt / EBITDA

2.18

0.00%

Dividend Yield

2.21%

ADSK: 9Ties: 1UNH: 2

ADSKUNH

Historical Fundamentals

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ADSK

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

UNH

$1 Retained Earnings Test

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ADSK

$-3.58

created per $1 retained over 3 years

Market Cap Declined

Σ Retained

$3.14B

Δ Market Cap

$-11.26B

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

UNH

$-7.37

created per $1 retained over 3 years

Market Cap Declined

Σ Retained

$26.63B

Δ Market Cap

$-196.16B

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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ADSK

12.1% Overvalued

Price is 12.1% above estimated fair value

Current Price: $193.82

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $172.97

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

UNH

6.6% Overvalued

Price is 6.6% above estimated fair value

Current Price: $400.96

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $376.14

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

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ADSK

What growth rate is the market pricing in at $194?

+14.4%

Market-Implied Owner Earnings Growth

Standard FCF implies +2.1%

The market implies +14.4% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +2.1%, reflecting heavy growth investment.

UNH

What growth rate is the market pricing in at $401?

+14.1%

Market-Implied Owner Earnings Growth

Standard FCF implies +9.8%

The market implies +14.1% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +9.8%, reflecting heavy growth investment.

Economic Moat Score

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ADSK

99/100

Wide Moat

70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.

UNH

73/100

Wide Moat

70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. Margin Stability is the area most vulnerable to competitive pressure.

Forensic Accounting

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ADSK

-2.65

Unlikely Manipulator

Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

UNH

-2.45

Unlikely Manipulator

Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Ownership Breakdown

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ADSK

Insiders 0.2%Institutions 97.3%Retail & Other 2.5%

No. of Institutional Holders1,977

High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

UNH

Insiders 0.2%Institutions 85.9%Retail & Other 13.8%

No. of Institutional Holders4,020

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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ADSK

Buys (3M)

Buys (12M)

Total value (12M): $1.29M

MOORJANI JANESH

Chief Financial Officer

$494,175

@ $197.67 · 2026-06-15

SMITH STACY J

Director

$794,054

@ $231.17 · 2026-05-29

CAHILL JOHN T

Director

$534,194

@ $267.10 · 2025-03-21

HOPE STEPHEN W.

Officer

$14,876

@ $275.48 · 2024-09-30

Open market purchases · includes direct & indirect ownership · excludes option exercises

UNH

Buys (3M)

Buys (12M)

HEMSLEY STEPHEN J

Chief Executive Officer

$25.02M

@ $288.57 · 2025-05-16

REX JOHN F

President

$5.00M

@ $291.12 · 2025-05-16

GIL KRISTEN

Director

$1.00M

@ $271.17 · 2025-05-15

FLYNN TIMOTHY PATRICK

Director

$491,786

@ $320.80 · 2025-05-14

NOSEWORTHY JOHN H

Director

$93,647

@ $312.16 · 2025-05-14

FLYNN TIMOTHY PATRICK

Director

$511,575

@ $511.57 · 2025-01-17

Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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ADSK

Sells (3M)

Sells (12M)

Total value (12M): $6.94M

HOWARD AYANNA MACCALLA

Director

$298,025

@ $325.00 · 2025-09-29

KEENE RUTH ANN

Officer

$869,991

@ $315.10 · 2025-09-03

HOWARD AYANNA MACCALLA

Director

$1.03M

@ $325.00 · 2025-08-29

PEARCE REBECCA

Officer

$1.98M

@ $323.06 · 2025-08-29

PEARCE REBECCA

Officer

$1.02M

@ $315.00 · 2025-07-03

PEARCE REBECCA

Officer

$964,100

@ $310.00 · 2025-06-30

PEARCE REBECCA

Officer

$775,920

@ $305.00 · 2025-06-24

PEARCE REBECCA

Officer

$145,800

@ $300.00 · 2025-06-17

HOPE STEPHEN W.

Officer

$14,887

@ $261.18 · 2025-04-01

HOPE STEPHEN W.

Officer

$655,395

@ $267.29 · 2025-03-28

NORRINGTON LORRIE M

Director

$542,948

@ $305.37 · 2024-12-11

NORRINGTON LORRIE M

Director

$543,926

@ $305.92 · 2024-12-06

MCDOWELL MARY THERESE

Director

$167,783

@ $305.06 · 2024-11-15

MCDOWELL MARY THERESE

Director

$156,920

@ $285.31 · 2024-10-15

HOPE STEPHEN W.

Officer

$14,829

@ $274.61 · 2024-10-01

HOPE STEPHEN W.

Officer

$14,829

@ $274.61 · 2024-10-01

HOPE STEPHEN W.

Officer

$78,604

@ $274.84 · 2024-09-30

MCDOWELL MARY THERESE

Director

$146,025

@ $265.50 · 2024-09-16

MCDOWELL MARY THERESE

Director

$136,499

@ $248.18 · 2024-08-15

MCDOWELL MARY THERESE

Director

$139,332

@ $253.33 · 2024-07-15

HOPE STEPHEN W.

Officer

$18,316

@ $244.21 · 2024-06-27

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

UNH

Sells (3M)

Sells (12M)

Total value (12M): $284,000

CONWAY PATRICK HUGH M.D.

Officer

$284,000

@ $355.00 · 2026-04-23

CONWAY PATRICK HUGH M.D.

Chief Executive Officer

$179,645

@ $305.00 · 2025-06-10

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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ADSK

😨Fear(22/100)

"Market is pessimistic — investigate whether fears are temporary or structural"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

UNH

😏Greed(68/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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ADSK

⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Fear (22)

UNH

⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Greed (68)

View ADSK Full Analysis View UNH Full Analysis

Frequently Asked Questions: ADSK vs UNH

Is Autodesk, Inc. or UnitedHealth Group Incorporated more undervalued in 2026?▼

Based on our discounted cash flow model, UNH trades at a -6.6% margin of safety (intrinsic value $376 vs. price $401), compared to ADSK's -12.1% margin of safety (intrinsic $173 vs. $194).

Which stock has a wider economic moat, Autodesk, Inc. or UnitedHealth Group Incorporated?▼

ADSK scores 99/100 (Wide moat), while UNH scores 73/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is UnitedHealth Group Incorporated in financial distress?▼

UNH's Altman Z-Score of 2.9 places it in the Grey zone, signaling elevated bankruptcy risk. ADSK scores 3.4 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which company has better free cash flow, Autodesk, Inc. or UnitedHealth Group Incorporated?▼

Autodesk, Inc. (ADSK) generates a 7.5% free cash flow yield, compared to UnitedHealth Group Incorporated's 4.9%. A higher FCF yield means the business converts more of its market value into cash that can be returned to shareholders or reinvested.

Which stock has higher return on invested capital, Autodesk, Inc. or UnitedHealth Group Incorporated?▼

ADSK earns 29.6% ROIC versus UNH's 15.6%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.