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Compare Stocks › REGN vs UNH

Regeneron Pharmaceuticals, Inc. (REGN) vs UnitedHealth Group Incorporated (UNH)

REGN
Regeneron Pharmaceuticals, Inc.
$737.45
VS
UNH
UnitedHealth Group Incorporated
$280.44

Rewards

REGN
  • ★Altman Z-Score of 7.56 indicates very low bankruptcy risk — the company is firmly in the safe zone.
  • ★Net debt/EBITDA of -1.3x means the company holds more cash than debt — a net cash position.
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

REGN
  • ⚠ROIC has declined by 6.1 percentage points over the observed period, which may signal competitive erosion.
  • ⚠Each dollar of retained earnings has produced only $0.20 of market value — shareholders may have been better served by dividends.
  • ⚠5 insider sales totaling $4.2M 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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REGN
UNH
Valuation
$3.26B
Free Cash Flow
$13.86B
4.18%
FCF Yield
5.45%
17.80
Trailing P/E
21.18
13.97
Forward P/E
14.08
Quality & Moat
7.66%
ROIC
0.64%
14.41%
ROE
11.85%
44.57%
Gross Margin
18.53%
N/A
PEG Ratio
N/A
Balance Sheet Safety
0.10
Debt / Equity
0.82
N/A
Interest Coverage
N/A
-1.33
Net Debt / EBITDA
2.54
0.51%
Dividend Yield
3.15%
REGN: 6Ties: 2UNH: 3
REGNUNH

Historical Fundamentals

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REGN

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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REGN
$0.20
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$12.50B
Δ Market Cap
+$2.52B
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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REGN
56.6% Margin of Safety
Price is 56.6% below estimated fair value
Current Price: $737.45
Fair Value: $1700.81
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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REGN

What growth rate is the market pricing in at $737?

+4.7%
Market-Implied Owner Earnings Growth
Standard FCF implies +9.1%

The market implies +4.7% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +9.1%, 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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REGN
68/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency 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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REGN
-2.51
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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REGN
Insiders 2.0%Institutions 90.9%Retail & Other 7.2%
No. of Institutional Holders1,956
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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REGN
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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REGN
5
Sells (3M)
8
Sells (12M)
Total value (12M): $9.32M
RYAN ARTHUR F
Director
$78,550
@ $785.50 · 2026-03-02
ZOGHBI HUDA Y
Director
$1.28M
@ $781.33 · 2026-02-19
PITOFSKY JASON
Officer
$1.59M
@ $778.52 · 2026-02-09
RYAN ARTHUR F
Director
$77,853
@ $778.53 · 2026-02-09
BASSLER BONNIE L
Director
$1.20M
@ $800.00 · 2026-01-07
BASSLER BONNIE L
Director
$570,000
@ $750.00 · 2025-11-20
PITOFSKY JASON
Officer
$280,766
@ $651.43 · 2025-11-07
POON CHRISTINE A
Director
$4.25M
@ $654.27 · 2025-10-29
MCCOURT MARION E
Officer
$844,610
@ $844.61 · 2024-11-01
MCCOURT MARION E
Officer
$1.05M
@ $1054.06 · 2024-10-01
RYAN ARTHUR F
Director
$104,878
@ $1048.78 · 2024-10-01
MCCOURT MARION E
Officer
$1.18M
@ $1178.73 · 2024-09-03
RYAN ARTHUR F
Director
$117,868
@ $1178.68 · 2024-09-03
BASSLER BONNIE L
Director
$884,520
@ $1170.00 · 2024-08-15
POON CHRISTINE A
Director
$12.55M
@ $1158.17 · 2024-08-15
MURPHY ANDREW J
Officer
$7.34M
@ $1153.15 · 2024-08-14
STAHL NEIL E
Officer
$5.64M
@ $1084.54 · 2024-08-08
PITOFSKY JASON
Officer
$521,090
@ $1070.00 · 2024-08-07
BASSLER BONNIE L
Director
$842,940
@ $1115.00 · 2024-08-02
MCCOURT MARION E
Officer
$1.21M
@ $1060.86 · 2024-08-01
RYAN ARTHUR F
Director
$107,467
@ $1085.53 · 2024-08-01
RYAN ARTHUR F
Director
$1,100
@ $1100.00 · 2024-08-01
LAROSA JOSEPH J
General Counsel
$2.03M
@ $1088.95 · 2024-07-11
MCCOURT MARION E
Officer
$1.19M
@ $1047.11 · 2024-07-01
RYAN ARTHUR F
Director
$105,924
@ $1059.24 · 2024-07-01
BASSLER BONNIE L
Director
$802,872
@ $1062.00 · 2024-06-24
BROWN MICHAEL S
Director
$1.60M
@ $1040.00 · 2024-06-14
BASSLER BONNIE L
Director
$836,097
@ $1011.00 · 2024-06-05
MCCOURT MARION E
Officer
$1.12M
@ $980.16 · 2024-06-03
RYAN ARTHUR F
Director
$99,450
@ $994.50 · 2024-06-03
BROWN MICHAEL S
Director
$1.14M
@ $974.86 · 2024-05-28
LAROSA JOSEPH J
General Counsel
$1.86M
@ $994.90 · 2024-05-21
SCHLEIFER LEONARD S
Chief Executive Officer
$22.36M
@ $979.23 · 2024-05-17
YANCOPOULOS GEORGE D
President
$48.64M
@ $972.73 · 2024-05-16
YANCOPOULOS GEORGE D
President
$48.79M
@ $975.87 · 2024-05-15
SCHLEIFER LEONARD S
Chief Executive Officer
$35.21M
@ $979.58 · 2024-05-15
MCCOURT MARION E
Officer
$222,352
@ $889.41 · 2024-05-01
RYAN ARTHUR F
Director
$89,961
@ $899.61 · 2024-05-01
MCCOURT MARION E
Officer
$241,182
@ $964.73 · 2024-04-01
RYAN ARTHUR F
Director
$96,253
@ $962.53 · 2024-04-01
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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REGN
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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REGN
⚪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 REGN Full AnalysisView UNH Full Analysis
Regeneron Pharmaceuticals, Inc. (REGN) vs UnitedHealth Group Incorporated (UNH) Stock Comparison | SafetyMargin.io