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Compare Stocks › RL vs UNH

Ralph Lauren Corporation (RL) vs UnitedHealth Group Incorporated (UNH)

RL
Ralph Lauren Corporation
$340.21
VS
UNH
UnitedHealth Group Incorporated
$280.44

Rewards

RL
  • ★Ralph Lauren Corporation has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
  • ★Gross margin of 69.6% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Ralph Lauren Corporation scores 94/100 on the Economic Moat Score (Wide Moat), with margin stability as the strongest competitive dimension.
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

RL
  • ⚠Insiders have sold $17.1M worth of stock in the past 3 months — significant insider liquidation.
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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RL
UNH
Valuation
$1.02B
Free Cash Flow
$13.86B
4.94%
FCF Yield
5.45%
23.14
Trailing P/E
21.18
18.95
Forward P/E
14.08
Quality & Moat
21.63%
ROIC
0.64%
25.72%
ROE
11.85%
69.65%
Gross Margin
18.53%
0.93
PEG Ratio
N/A
Balance Sheet Safety
0.99
Debt / Equity
0.82
N/A
Interest Coverage
N/A
0.44
Net Debt / EBITDA
2.54
1.07%
Dividend Yield
3.15%
RL: 4Ties: 1UNH: 6
RLUNH

Historical Fundamentals

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RL

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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RL
$10.89
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$1.32B
Δ Market Cap
+$14.35B
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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RL
14.6% Overvalued
Price is 14.6% above estimated fair value
Current Price: $340.21
Fair Value: $296.92
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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RL

What growth rate is the market pricing in at $340?

+12.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +8.3%

The market implies +12.6% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +8.3%, 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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RL
94/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. Margin Stability 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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RL
-2.79
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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RL
Insiders 4.0%Institutions 103.3%
No. of Institutional Holders1,086
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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RL
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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RL
2
Sells (3M)
8
Sells (12M)
Total value (12M): $28.56M
ALAGOZ HALIDE
Officer
$405,440
@ $362.00 · 2026-03-04
LOUVET PATRICE
Chief Executive Officer
$16.65M
@ $354.22 · 2026-02-10
ALAGOZ HALIDE
Officer
$688,812
@ $366.00 · 2025-12-02
ALAGOZ HALIDE
Officer
$740,829
@ $317.00 · 2025-09-04
ALAGOZ HALIDE
Officer
$1.56M
@ $295.00 · 2025-08-27
RANFTL ROBERT P
Chief Operating Officer
$3.26M
@ $282.03 · 2025-08-19
LOUVET PATRICE
Chief Executive Officer
$1.81M
@ $240.00 · 2025-05-05
LOUVET PATRICE
Chief Executive Officer
$3.44M
@ $232.50 · 2025-03-24
ALAGOZ HALIDE
Officer
$1.92M
@ $285.00 · 2025-02-18
LOUVET PATRICE
Chief Executive Officer
$5.45M
@ $227.16 · 2024-12-11
LAUREN DAVID R
Officer and Director
$8.32M
@ $221.14 · 2024-11-08
NIELSEN JANE HAMILTON
Chief Operating Officer
$11.52M
@ $171.25 · 2024-05-24
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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RL
FearGreed
😐Neutral(49/100)

"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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RL
⚪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 (49)
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 RL Full AnalysisView UNH Full Analysis