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Compare Stocks › EVRG vs UNH

Evergy, Inc. (EVRG) vs UnitedHealth Group Incorporated (UNH)

EVRG
Evergy, Inc.
$81.06
VS
UNH
UnitedHealth Group Incorporated
$280.44

Rewards

EVRG
  • ★Each dollar of retained earnings has created $3.30 of market value — management is an exceptional capital allocator.
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

EVRG
  • ⚠PEG ratio of 4.71 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠Net debt/EBITDA of 5.6x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
  • ⚠Altman Z-Score of 0.80 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
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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EVRG
UNH
Valuation
$-862.12M
Free Cash Flow
$13.86B
-4.62%
FCF Yield
5.45%
22.15
Trailing P/E
21.18
17.80
Forward P/E
14.08
Quality & Moat
3.26%
ROIC
0.64%
8.33%
ROE
11.85%
52.27%
Gross Margin
18.53%
4.71
PEG Ratio
N/A
Balance Sheet Safety
1.50
Debt / Equity
0.82
N/A
Interest Coverage
N/A
5.61
Net Debt / EBITDA
2.54
3.43%
Dividend Yield
3.15%
EVRG: 3Ties: 2UNH: 6
EVRGUNH

Historical Fundamentals

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EVRG

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.

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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EVRG
$3.30
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$681.0M
Δ Market Cap
+$2.25B
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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EVRG
747.8% Overvalued
Price is 747.8% above estimated fair value
Current Price: $81.06
Fair Value: $9.56
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
Fair Value: $294.90
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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EVRG

Requires positive FCF to compute implied growth rate.

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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EVRG
42/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None

Narrow moat with margin stability 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 5 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.

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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EVRG
-0.21
Likely 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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EVRG
Insiders 0.2%Institutions 94.2%Retail & Other 5.6%
No. of Institutional Holders1,210
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 — 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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EVRG
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
UNH
0
Buys (3M)
5
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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EVRG
3
Sells (3M)
5
Sells (12M)
Total value (12M): $1.47M
KING CHARLES LYNN
Chief Technology Officer
$200,533
@ $82.19 · 2026-03-12
HUMPHREY HEATHER A. SUVE
General Counsel
$301,527
@ $82.61 · 2026-03-10
MURTLOW ANN D.
Director
$234,422
@ $82.34 · 2026-02-25
ELWELL LESLEY LISSETTE
Officer
$578,640
@ $72.33 · 2025-09-15
LAWRENCE SANDRA A.J.
Director
$156,500
@ $67.72 · 2025-06-11
KING CHARLES LYNN
Chief Technology Officer
$150,008
@ $65.22 · 2024-11-27
BRYANT KEVIN E.
Officer
$3.03M
@ $62.93 · 2024-11-13
CAISLEY CHARLES A
Officer
$550,753
@ $59.63 · 2024-09-03
HUMPHREY HEATHER A. SUVE
General Counsel
$196,809
@ $58.80 · 2024-08-27
LAWRENCE SANDRA A.J.
Director
$166,464
@ $58.47 · 2024-08-21
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
UNH
0
Sells (3M)
1
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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EVRG
FearGreed
😐Neutral(56/100)

"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
FearGreed
😨Fear(37/100)

"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.

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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EVRG
⚪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 (56)
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 EVRG Full AnalysisView UNH Full Analysis
Evergy, Inc. (EVRG) vs UnitedHealth Group Incorporated (UNH) Stock Comparison | SafetyMargin.io