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Dominion Energy, Inc. (D) vs UnitedHealth Group Incorporated (UNH): Which Is the Better Buy in 2026?

As of 2026-11-01, D is overvalued at $67, with a DCF intrinsic value of $0 and a margin of safety of -100%. UNH is overvalued at $407, with an intrinsic value of $367 and a margin of safety of -11%. Of the two, UNH has the wider margin of safety.

D
Dominion Energy, Inc.
$66.62
VS
UNH
UnitedHealth Group Incorporated
$406.97

Rewards

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

    Risks

    D
    • ⚠PEG ratio of 2.59 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
    • ⚠Altman Z-Score of 0.66 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
    UNH
    • ⚠ROIC has declined by 6.9 percentage points over the past 4 years, which may signal competitive erosion.
    • ⚠Gross margin of 20.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
    • ⚠FCF yield of 7.3% suggests reasonable valuation assuming continued moderate growth.

    Key Valuation Metrics

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    D
    UNH
    Valuation
    N/A
    Free Cash Flow
    $26.50B
    N/A
    FCF Yield
    7.25%
    21.99
    Trailing P/E
    23.23
    17.46
    Forward P/E
    17.48
    Quality & Moat
    N/A
    ROIC
    11.51%
    N/A
    ROE
    15.77%
    42.94%
    Gross Margin
    20.05%
    2.59
    PEG Ratio
    1.03
    Balance Sheet Safety
    N/A
    Net Debt / Equity
    0.43
    No debt
    Interest Coverage
    N/A
    0.00
    Net Debt / EBITDA
    1.58
    4.01%
    Dividend Yield
    2.28%
    D: 4Ties: 1UNH: 1
    DUNH

    Historical Fundamentals

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    D

    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

    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.

    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.

    $1 Retained Earnings Test

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    D
    $1.22
    created per $1 retained over 3 years
    Value Creator
    Σ Retained
    $244.0M
    Δ Market Cap
    +$298.4M
    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

    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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    D
    Insufficient Data
    Enter initial FCF to calculate intrinsic value
    Current Price: $66.62
    Fair Value: $0.00
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued
    UNH
    10.8% Overvalued
    Price is 10.8% above estimated fair value
    Current Price: $406.97
    Fair Value: $367.30
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued

    Reverse DCF — Market-Implied Growth

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    D

    Requires positive FCF to compute implied growth rate.

    UNH

    What growth rate is the market pricing in at $407?

    +14.2%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +4.2%

    The market implies +14.2% Owner Earnings growth, above historical trends.

    Standard FCF implies a demanding +4.2%, reflecting heavy growth investment.

    Economic Moat Score

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    D
    44/100
    Narrow Moat
    70+ Wide · 40-69 Narrow · <40 None

    Narrow moat with revenue predictability as the key competitive advantage. Improving reinvestment efficiency would strengthen the moat.

    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
    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.

    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.

    Forensic Accounting

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    D
    -2.47
    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

    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.

    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.

    Ownership Breakdown

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    D
    Insiders 0.1%Institutions 82.9%Retail & Other 16.9%
    No. of Institutional Holders1,933
    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 89.6%Retail & Other 10.1%
    No. of Institutional Holders4,333
    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.

    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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    D
    0
    Buys (3M)
    0
    Buys (12M)
    BLUE ROBERT M
    Chief Executive Officer
    $250,557
    @ $60.35 · 2025-08-27
    SUTHERLAND VANESSA ALLEN
    Director
    $25,655
    @ $54.01 · 2025-03-13
    Open market purchases · includes direct & indirect ownership · excludes option exercises
    UNH
    0
    Buys (3M)
    0
    Buys (12M)
    No open market insider purchases found.
    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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    D
    0
    Sells (3M)
    0
    Sells (12M)
    No open market insider sales found.
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
    UNH
    2
    Sells (3M)
    3
    Sells (12M)
    Total value (12M): $944,910
    CONWAY PATRICK HUGH
    Officer
    $455,910
    @ $390.00 · 2026-08-21
    CONWAY PATRICK HUGH
    Officer
    $205,000
    @ $410.00 · 2026-08-05
    CONWAY PATRICK HUGH
    Officer
    $284,000
    @ $355.00 · 2026-04-23
    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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    D
    FearGreed
    😏Greed(63/100)

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

    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
    FearGreed
    😏Greed(62/100)

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

    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.

    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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    D
    ⚪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 (63)
    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 (62)
    View D Full AnalysisView UNH Full Analysis

    Frequently Asked Questions: D vs UNH

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

    Based on our discounted cash flow model, UNH trades at a -10.8% margin of safety (intrinsic value $367 vs. price $407), compared to D's -100.0% margin of safety (intrinsic $0 vs. $67).

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

    UNH scores 73/100 (Wide moat), while D scores 44/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

    Is Dominion Energy, Inc. in financial distress?▼

    D's Altman Z-Score of 0.7 places it in the Distress zone, signaling elevated bankruptcy risk. UNH scores 2.9 (Grey zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

    Which dividend is safer, Dominion Energy, Inc.'s or UnitedHealth Group Incorporated's?▼

    UNH's dividend earns a safety score of 84/100 (Very Safe), compared to D's 40/100 (Borderline). UNH has raised its dividend for 3 consecutive years.