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Compare Stocks › ORLY vs UNH

O'Reilly Automotive, Inc. (ORLY) vs UnitedHealth Group Incorporated (UNH)

ORLY
O'Reilly Automotive, Inc.
$87.91
VS
UNH
UnitedHealth Group Incorporated
$280.44

Rewards

ORLY
  • ★O'Reilly Automotive, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★O'Reilly Automotive, Inc. scores 89/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Each dollar of retained earnings has created $3.32 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

ORLY
  • ⚠FCF yield of 2.1% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
  • ⚠PEG ratio of 2.13 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠10 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
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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ORLY
UNH
Valuation
$1.59B
Free Cash Flow
$13.86B
2.15%
FCF Yield
5.45%
29.60
Trailing P/E
21.18
24.60
Forward P/E
14.08
Quality & Moat
31.05%
ROIC
0.64%
N/A
ROE
11.85%
51.59%
Gross Margin
18.53%
2.13
PEG Ratio
N/A
Balance Sheet Safety
N/A
Debt / Equity
0.82
N/A
Interest Coverage
N/A
2.09
Net Debt / EBITDA
2.54
N/A
Dividend Yield
3.15%
ORLY: 3Ties: 1UNH: 4
ORLYUNH

Historical Fundamentals

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ORLY

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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ORLY
$3.32
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$7.27B
Δ Market Cap
+$24.16B
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
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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ORLY
30.2% Overvalued
Price is 30.2% above estimated fair value
Current Price: $87.91
Fair Value: $67.50
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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ORLY

What growth rate is the market pricing in at $88?

+14.3%
Market-Implied Owner Earnings Growth
Standard FCF implies +20.7%

The market implies +14.3% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +20.7%, 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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ORLY
89/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. Revenue Predictability 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.

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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ORLY
-2.49
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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ORLY
Insiders 0.8%Institutions 88.8%Retail & Other 10.4%
No. of Institutional Holders2,296
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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ORLY
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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ORLY
1
Sells (3M)
10
Sells (12M)
Total value (12M): $13.43M
SASTRE MARIA AMALIA
Director
$92,681
@ $92.68 · 2026-02-27
MANCINI CHRISTOPHER ANDREW
Officer
$238,585
@ $101.31 · 2025-11-26
HOPPER PHILIP M
Officer
$354,361
@ $101.25 · 2025-11-26
FLETCHER JEREMY ADAM
Chief Financial Officer
$379,500
@ $100.00 · 2025-11-18
WILBANKS CARL DAVID
Officer
$9.07M
@ $102.54 · 2025-08-13
SASTRE MARIA AMALIA
Director
$60,877
@ $102.31 · 2025-08-13
REAVES SHARI LYNNE
Officer
$207,613
@ $103.81 · 2025-08-06
ODEMS RAMON PARISES
Officer
$2.72M
@ $1360.45 · 2025-05-30
MONTELLANO NAJERA JOSE A
Officer
$25,686
@ $1351.89 · 2025-05-29
MURPHY JOHN RAYMOND
Director
$275,800
@ $1379.00 · 2025-05-19
MANCINI CHRISTOPHER ANDREW
Officer
$2.11M
@ $1354.01 · 2025-02-27
REAVES SHARI LYNNE
Officer
$115,611
@ $1344.31 · 2025-02-27
CONN TAMARA F
General Counsel
$2.02M
@ $1326.78 · 2025-02-26
TARRANT JASON LEE
Officer
$2.67M
@ $1339.10 · 2025-02-25
HENSLEE GREGORY L
Chairman of the Board
$11.88M
@ $1319.95 · 2025-02-25
WEISS ANDREA M
Director
$325,184
@ $1311.23 · 2025-02-24
BECKHAM BRAD WALTER
Chief Executive Officer
$1.08M
@ $1300.00 · 2025-02-19
DUMAS ROBERT ALLEN
Officer
$6.67M
@ $1334.09 · 2025-02-13
ROGERS CHARLES FRANCIS
Officer
$4.62M
@ $1335.31 · 2025-02-13
MERZ MARK JOSEPH
Officer
$662,500
@ $1325.00 · 2025-02-12
SASTRE MARIA AMALIA
Director
$326,410
@ $1316.17 · 2025-02-12
CONN TAMARA F
General Counsel
$2.18M
@ $1245.36 · 2024-11-29
LOAFMAN JEFFERY THOMAS
Officer
$769,042
@ $1240.39 · 2024-11-25
WEISS ANDREA M
Director
$734,442
@ $1224.07 · 2024-11-22
O'REILLY DAVID E
Officer and Director
$6.15M
@ $1230.00 · 2024-11-11
KALE JUSTIN CHRISTOPHER
Officer
$119,229
@ $1157.56 · 2024-11-05
MANCINI CHRISTOPHER ANDREW
Officer
$1.75M
@ $1125.00 · 2024-08-27
CONN TAMARA F
General Counsel
$2.27M
@ $1135.00 · 2024-08-15
WILBANKS CARL DAVID
Officer
$5.63M
@ $1125.38 · 2024-08-14
PERLMAN DANA N
Director
$53,268
@ $1109.75 · 2024-08-07
JOHNSON GREGORY DALE
Director
$17.46M
@ $1136.16 · 2024-07-31
MERZ MARK JOSEPH
Officer
$462,560
@ $1120.00 · 2024-07-30
HOPPER PHILIP M
Officer
$1.15M
@ $1122.75 · 2024-07-30
HENSLEE GREGORY L
Chairman of the Board
$20.59M
@ $1127.55 · 2024-07-30
BECKHAM BRAD WALTER
Chief Executive Officer
$6.12M
@ $1015.00 · 2024-05-03
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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ORLY
FearGreed
😨Fear(36/100)

"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
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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ORLY
⚪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 (36)
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 ORLY Full AnalysisView UNH Full Analysis