Compare Stocks › PLTR vs UNH
Palantir Technologies Inc. (PLTR) vs UnitedHealth Group Incorporated (UNH)
PLTR
Palantir Technologies Inc.
$144.07
VS
UNH
UnitedHealth Group Incorporated
$368.78
Rewards
PLTR
- ★Gross margin of 82.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Free cash flow has grown at a 125.3% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $9.67 of earning power — management is an exceptional capital allocator.
UNH
- ★Dividend yield of 2.40% with a consistent or growing payout over the past 4 years.
Risks
PLTR
- ⚠Despite buyback spending, shares outstanding increased in 2 out of 2 years — stock-based compensation is offsetting repurchases.
- ⚠FCF yield of 0.6% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠8 insider sales totaling $142.4M 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 18.8% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠FCF yield of 5.3% suggests reasonable valuation assuming continued moderate growth.
Key Valuation Metrics
Learn more →PLTR
UNH
Valuation
$2.10B
Free Cash Flow
$17.69B
0.61%
FCF Yield
5.28%
228.68
Trailing P/E
27.85
77.16
Forward P/E
17.77
Quality & Moat
18.74%
ROIC
15.60%
21.70%
ROE
11.45%
82.37%
Gross Margin
18.80%
0.35
PEG Ratio
39.79
Balance Sheet Safety
0.03
Debt / Equity
0.74
N/A
Interest Coverage
N/A
-4.82
Net Debt / EBITDA
2.18
N/A
Dividend Yield
2.40%
PLTR: 6Ties: 1UNH: 4
PLTRUNH
Historical Fundamentals
Learn more →PLTR
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
Learn more →PLTR
$179.17
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.30B
Δ Market Cap
+$411.56B
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
> $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
> $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
Learn more →PLTR
176.1% Overvalued
Price is 176.1% above estimated fair value
Current Price: $144.07
Strongly undervalued
Strongly overvalued
Fair Value: $52.18
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
UNH
9.6% Overvalued
Price is 9.6% above estimated fair value
Current Price: $368.78
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $336.33
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →PLTR
What growth rate is the market pricing in at $144?
+40.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +36.8%
The market implies +40.6% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +36.8%, reflecting heavy growth investment expected to generate future returns.
UNH
What growth rate is the market pricing in at $369?
+13.9%
Market-Implied Owner Earnings Growth
Standard FCF implies +8.7%
The market implies +13.9% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +8.7%, reflecting heavy growth investment.
Economic Moat Score
Learn more →PLTR
38/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
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
Learn more →PLTR
-1.84
Possible 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
Learn more →PLTR
Insiders 3.5%Institutions 61.6%Retail & Other 34.9%
No. of Institutional Holders3,682
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 84.7%Retail & Other 14.5%
No. of Institutional Holders4,077
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
Learn more →PLTR
0
Buys (3M)
1
Buys (12M)
Total value (12M): $1.16M
PLANISHEK HEATHER A
Former
$1.16M
@ $116.14 · 2025-05-08
Open market purchases · includes direct & indirect ownership · excludes option exercises
UNH
0
Buys (3M)
5
Buys (12M)
Total value (12M): $31.61M
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
NOSEWORTHY JOHN H
Director
$93,647
@ $312.16 · 2025-05-14
FLYNN TIMOTHY PATRICK
Director
$491,786
@ $320.80 · 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
Learn more →PLTR
8
Sells (3M)
51
Sells (12M)
Total value (12M): $764.58M
MOORE ALEXANDER D
Director
$2.23M
@ $139.41 · 2026-04-15
MOORE ALEXANDER D
Director
$2.44M
@ $152.41 · 2026-03-16
BUCKLEY JEFFREY JOHANSING
Officer
$520,601
@ $132.27 · 2026-02-24
GLAZER DAVID ALAN
Chief Financial Officer
$2.33M
@ $133.72 · 2026-02-20
TAYLOR RYAN DOUGLAS
Officer
$2.67M
@ $133.72 · 2026-02-20
SANKAR SHYAM
Chief Technology Officer
$22.47M
@ $133.72 · 2026-02-20
KARP ALEXANDER C.
Chief Executive Officer
$65.96M
@ $133.78 · 2026-02-20
COHEN STEPHEN ANDREW
President
$43.74M
@ $133.72 · 2026-02-20
STAT LAUREN ELAINA FRIEDMAN
Director
$60,456
@ $151.14 · 2026-02-02
MOORE ALEXANDER D
Director
$2.99M
@ $149.65 · 2026-02-02
STAT LAUREN ELAINA FRIEDMAN
Director
$616,590
@ $181.35 · 2026-01-02
TAYLOR RYAN DOUGLAS
Officer
$2.18M
@ $181.35 · 2026-01-02
MOORE ALEXANDER D
Director
$3.46M
@ $172.98 · 2026-01-02
GLAZER DAVID ALAN
Chief Financial Officer
$1.67M
@ $185.91 · 2025-12-12
MOORE ALEXANDER D
Director
$3.34M
@ $167.19 · 2025-12-01
BUCKLEY JEFFREY JOHANSING
Officer
$631,898
@ $161.32 · 2025-11-24
TAYLOR RYAN DOUGLAS
Officer
$9.12M
@ $162.63 · 2025-11-24
GLAZER DAVID ALAN
Chief Financial Officer
$2.86M
@ $163.12 · 2025-11-21
SANKAR SHYAM
Chief Technology Officer
$27.55M
@ $163.12 · 2025-11-21
KARP ALEXANDER C.
Chief Executive Officer
$66.04M
@ $163.12 · 2025-11-21
COHEN STEPHEN ANDREW
President
$56.73M
@ $163.12 · 2025-11-21
MOORE ALEXANDER D
Director
$4.09M
@ $204.54 · 2025-11-03
STAT LAUREN ELAINA FRIEDMAN
Director
$149,112
@ $186.39 · 2025-10-03
MOORE ALEXANDER D
Director
$3.68M
@ $184.01 · 2025-10-01
TAYLOR RYAN DOUGLAS
Officer
$5.71M
@ $158.35 · 2025-09-05
GLAZER DAVID ALAN
Chief Financial Officer
$12.51M
@ $154.47 · 2025-09-02
MOORE ALEXANDER D
Director
$3.13M
@ $156.42 · 2025-09-02
BUCKLEY JEFFREY JOHANSING
Officer
$440,071
@ $157.00 · 2025-08-29
SANKAR SHYAM
Chief Technology Officer
$30.99M
@ $154.29 · 2025-08-22
GLAZER DAVID ALAN
Chief Financial Officer
$2.71M
@ $153.36 · 2025-08-21
BUCKLEY JEFFREY JOHANSING
Officer
$362,700
@ $153.36 · 2025-08-21
TAYLOR RYAN DOUGLAS
Officer
$3.10M
@ $153.36 · 2025-08-21
KARP ALEXANDER C.
Chief Executive Officer
$62.74M
@ $153.36 · 2025-08-21
COHEN STEPHEN ANDREW
President
$53.97M
@ $153.36 · 2025-08-21
SANKAR SHYAM
Chief Technology Officer
$56.70M
@ $151.20 · 2025-08-20
TAYLOR RYAN DOUGLAS
Officer and Beneficial Owner of more than 10% of a Class of Security
$5.25M
@ $175.00 · 2025-08-05
MOORE ALEXANDER D
Director
$3.09M
@ $154.73 · 2025-08-01
TAYLOR RYAN DOUGLAS
Officer
$5.00M
@ $150.00 · 2025-07-15
STAT LAUREN ELAINA FRIEDMAN
Director
$111,688
@ $139.61 · 2025-07-09
WOERSCHING ERIC H
Director
$1.34M
@ $130.95 · 2025-07-01
TAYLOR RYAN DOUGLAS
Officer
$4.51M
@ $135.31 · 2025-07-01
MOORE ALEXANDER D
Director
$2.62M
@ $131.06 · 2025-07-01
SANKAR SHYAM
Officer
$53.49M
@ $132.08 · 2025-06-10
WOERSCHING ERIC H
Director
$2.20M
@ $129.29 · 2025-06-09
MOORE ALEXANDER D
Director
$2.51M
@ $125.38 · 2025-06-06
GLAZER DAVID ALAN
Chief Financial Officer
$4.32M
@ $126.35 · 2025-05-21
BUCKLEY JEFFREY JOHANSING
Officer
$239,689
@ $126.35 · 2025-05-21
TAYLOR RYAN DOUGLAS
Officer
$4.98M
@ $126.35 · 2025-05-21
SANKAR SHYAM
Officer
$21.17M
@ $126.35 · 2025-05-21
KARP ALEXANDER C.
Chief Executive Officer
$50.39M
@ $126.35 · 2025-05-21
COHEN STEPHEN ANDREW
President
$43.47M
@ $126.35 · 2025-05-21
MOORE ALEXANDER D
Director
$2.37M
@ $118.58 · 2025-05-01
STAT LAUREN ELAINA FRIEDMAN
Director
$65,000
@ $81.25 · 2025-04-03
MOORE ALEXANDER D
Director
$1.68M
@ $83.83 · 2025-04-01
TAYLOR RYAN DOUGLAS
Officer
$8.13M
@ $82.80 · 2025-03-31
COHEN STEPHEN ANDREW
President
$26.99M
@ $87.07 · 2025-03-17
COHEN STEPHEN ANDREW
President
$310.25M
@ $82.73 · 2025-03-14
SCHIFF ALEXANDRA W
Director
$587,010
@ $86.63 · 2025-03-05
MOORE ALEXANDER D
Director
$1.74M
@ $87.19 · 2025-03-03
SANKAR SHYAM
Chief Technology Officer
$21.42M
@ $101.50 · 2025-02-24
PLANISHEK HEATHER A
Officer
$2.31M
@ $103.01 · 2025-02-21
KARP ALEXANDER C.
Chief Executive Officer
$44.56M
@ $103.01 · 2025-02-21
COHEN STEPHEN ANDREW
President
$69.27M
@ $102.62 · 2025-02-21
SANKAR SHYAM
Chief Technology Officer
$38.43M
@ $102.47 · 2025-02-20
PLANISHEK HEATHER A
Officer
$1.61M
@ $115.96 · 2025-02-11
SCHIFF ALEXANDRA W
Director
$415,318
@ $103.83 · 2025-02-04
MOORE ALEXANDER D
Director
$1.63M
@ $81.46 · 2025-02-03
SCHIFF ALEXANDRA W
Director
$286,540
@ $71.64 · 2025-01-07
GLAZER DAVID ALAN
Chief Financial Officer
$7.02M
@ $72.96 · 2025-01-02
TAYLOR RYAN DOUGLAS
Officer
$36.05M
@ $74.48 · 2025-01-02
MOORE ALEXANDER D
Director
$1.49M
@ $74.51 · 2025-01-02
COHEN STEPHEN ANDREW
President
$95.84M
@ $72.82 · 2024-12-13
GLAZER DAVID ALAN
Chief Financial Officer
$23.10M
@ $73.30 · 2024-12-12
PLANISHEK HEATHER A
Officer
$963,826
@ $69.38 · 2024-12-04
SANKAR SHYAM
Chief Technology Officer
$369.91M
@ $70.06 · 2024-12-03
MOORE ALEXANDER D
Director
$1.33M
@ $66.72 · 2024-12-02
KARP ALEXANDER C.
Chief Executive Officer
$157.86M
@ $62.96 · 2024-11-22
GLAZER DAVID ALAN
Chief Financial Officer
$4.13M
@ $61.80 · 2024-11-21
PLANISHEK HEATHER A
Officer
$1.37M
@ $61.80 · 2024-11-21
TAYLOR RYAN DOUGLAS
Officer
$4.77M
@ $61.80 · 2024-11-21
SANKAR SHYAM
Chief Technology Officer
$10.44M
@ $61.80 · 2024-11-21
COHEN STEPHEN ANDREW
President
$21.56M
@ $61.80 · 2024-11-21
KARP ALEXANDER C.
Officer and Director
$73.04M
@ $63.85 · 2024-11-20
KARP ALEXANDER C.
Chief Executive Officer
$399.06M
@ $63.11 · 2024-11-15
KARP ALEXANDER C.
Chief Executive Officer
$650.64M
@ $52.71 · 2024-11-07
PLANISHEK HEATHER A
Officer
$999,250
@ $49.96 · 2024-11-05
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
UNH
1
Sells (3M)
2
Sells (12M)
Total value (12M): $463,645
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
Learn more →PLTR
😐Neutral(45/100)
"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
😏Greed(65/100)
"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
Learn more →PLTR
⚪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 (45)
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 (65)