Colgate-Palmolive Company (CL) vs UnitedHealth Group Incorporated (UNH) Stock Comparison

Compare Stocks › CL vs UNH

Colgate-Palmolive Company

$85.50

UNH

UnitedHealth Group Incorporated

$280.44

Rewards

★Colgate-Palmolive Company has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
★Gross margin of 60.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
★Colgate-Palmolive Company scores 98/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.

UNH

★5 insider purchases over the past 12 months with a buy/sell ratio above 3:1 — a sustained pattern of insider confidence.
★Dividend yield of 3.15% with a consistent or growing payout over the past 4 years.

Risks

⚠High leverage (23.44x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
⚠7 insider sales totaling $25.1M with no purchases in the past 3 months — insiders are reducing their exposure.

UNH

⚠ROIC has declined by 7.9 percentage points over the observed period, which may signal competitive erosion.
⚠Gross margin of 18.5% is low, suggesting a competitive or commodity-like market with limited pricing power.
⚠FCF yield of 5.4% suggests reasonable valuation assuming continued moderate growth.

Key Valuation Metrics

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UNH

Valuation

$3.08B

Free Cash Flow

$13.86B

4.49%

FCF Yield

5.45%

32.51

Trailing P/E

21.18

20.61

Forward P/E

14.08

Quality & Moat

36.80%

ROIC

0.64%

584.11%

ROE

11.85%

60.11%

Gross Margin

18.53%

N/A

PEG Ratio

N/A

Balance Sheet Safety

23.44

Debt / Equity

0.82

N/A

Interest Coverage

N/A

1.47

Net Debt / EBITDA

2.54

2.48%

Dividend Yield

3.15%

CL: 4Ties: 1UNH: 6

CLUNH

Historical Fundamentals

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Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

UNH

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

$1 Retained Earnings Test

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$-1.07

created per $1 retained over 3 years

Market Cap Declined

Σ Retained

$1.96B

Δ Market Cap

$-2.10B

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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88.2% Overvalued

Price is 88.2% above estimated fair value

Current Price: $85.50

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $45.43

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

UNH

4.9% Margin of Safety

Price is 4.9% below estimated fair value

Current Price: $280.44

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $294.90

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

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What growth rate is the market pricing in at $86?

+15.5%

Market-Implied Owner Earnings Growth

Standard FCF implies +10.5%

The market implies +15.5% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +10.5%, reflecting heavy growth investment.

UNH

What growth rate is the market pricing in at $280?

+11.1%

Market-Implied Owner Earnings Growth

Standard FCF implies +9.2%

The market implies +11.1% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +9.2%, reflecting heavy growth investment.

Economic Moat Score

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98/100

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 4 years of fundamental data.

UNH

64/100

Narrow Moat

70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving margin stability would strengthen the moat.

Forensic Accounting

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-3.00

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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Insiders 0.2%Institutions 86.3%Retail & Other 13.5%

No. of Institutional Holders2,540

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 0.8%Institutions 84.2%Retail & Other 14.9%

No. of Institutional Holders4,244

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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Buys (3M)

Buys (12M)

No open market insider purchases found.

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

UNH

Buys (3M)

Buys (12M)

Total value (12M): $31.61M

REX JOHN F

President

$5.00M

@ $291.12 · 2025-05-16

HEMSLEY STEPHEN J

Chief Executive Officer

$25.02M

@ $288.57 · 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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Sells (3M)

Sells (12M)

Total value (12M): $25.35M

TSOURAPAS PANAGIOTIS

Officer

$4.78M

@ $95.57 · 2026-02-12

HAZLIN JOHN

Officer

$1.98M

@ $94.25 · 2026-02-10

MALCOLM GREGORY

Officer

$1.21M

@ $94.91 · 2026-02-06

MASSEY SALLY

Officer

$1.51M

@ $95.03 · 2026-02-05

DANIELS JENNIFER M.

Officer

$2.08M

@ $94.34 · 2026-02-04

SUTULA STANLEY J III

Chief Financial Officer

$9.22M

@ $94.27 · 2026-02-04

WALLACE NOEL R

Chief Executive Officer

$4.28M

@ $93.91 · 2026-02-04

MASSEY SALLY

Officer

$100,061

@ $80.89 · 2025-11-21

MASSEY SALLY

Officer

$200,183

@ $88.97 · 2025-05-15

MASSEY SALLY

Officer

$736,152

@ $92.02 · 2025-02-25

MALCOLM GREGORY

Officer

$101,121

@ $95.94 · 2024-11-26

WALLACE NOEL R

Chief Executive Officer

$3.17M

@ $95.00 · 2024-11-22

SUTULA STANLEY J III

Chief Financial Officer

$4.27M

@ $94.11 · 2024-11-05

SUTULA STANLEY J III

Chief Financial Officer

$4.68M

@ $93.53 · 2024-11-01

HUND-MEJEAN MARTINA

Director

$240,228

@ $103.86 · 2024-08-23

DANIELS JENNIFER M.

Officer

$2.26M

@ $102.76 · 2024-08-08

TSOURAPAS PANAGIOTIS

Officer

$1.52M

@ $102.94 · 2024-08-08

MASSEY SALLY

Officer

$1.64M

@ $103.28 · 2024-08-06

MALCOLM GREGORY

Officer

$1.09M

@ $103.10 · 2024-08-06

KOOYMAN JOHN W

Officer

$2.55M

@ $102.88 · 2024-08-06

TSOURAPAS PANAGIOTIS

Officer

$3.98M

@ $99.47 · 2024-07-31

DANIELS JENNIFER M.

Officer

$2.09M

@ $94.15 · 2024-05-14

MASSEY SALLY

Officer

$1.15M

@ $94.06 · 2024-05-09

TSOURAPAS PANAGIOTIS

Officer

$1.13M

@ $94.15 · 2024-05-09

KOOYMAN JOHN W

Officer

$326,882

@ $93.47 · 2024-05-07

BILBREY JOHN P.

Director

$579,696

@ $91.59 · 2024-05-01

MASSEY SALLY

Officer

$562,091

@ $91.92 · 2024-05-01

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

UNH

Sells (3M)

Sells (12M)

Total value (12M): $179,645

CONWAY PATRICK HUGH M.D.

Chief Executive Officer

$179,645

@ $305.00 · 2025-06-10

MCSWEENEY ERIN L

Officer

$438,987

@ $626.23 · 2024-11-11

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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😐Neutral(44/100)

"Market is pricing this stock without strong emotion in either direction"

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

😨Fear(37/100)

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

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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⚪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: Neutral (44)

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: Fear (37)

View CL Full Analysis View UNH Full Analysis