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Compare Stocks › ROL vs UNH

Rollins, Inc. (ROL) vs UnitedHealth Group Incorporated (UNH)

ROL
Rollins, Inc.
$54.09
VS
UNH
UnitedHealth Group Incorporated
$280.44

Rewards

ROL
  • ★Rollins, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Rollins, Inc. scores 98/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
  • ★Free cash flow has grown at a 14.3% CAGR over the past 4 years, demonstrating strong earnings power growth.
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

ROL
  • ⚠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 5.01 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠12 insider sales totaling $4.3M 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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ROL
UNH
Valuation
$555.21M
Free Cash Flow
$13.86B
2.13%
FCF Yield
5.45%
49.62
Trailing P/E
21.18
38.41
Forward P/E
14.08
Quality & Moat
21.73%
ROIC
0.64%
38.32%
ROE
11.85%
52.75%
Gross Margin
18.53%
5.01
PEG Ratio
N/A
Balance Sheet Safety
0.76
Debt / Equity
0.82
N/A
Interest Coverage
N/A
1.10
Net Debt / EBITDA
2.54
1.35%
Dividend Yield
3.15%
ROL: 5Ties: 1UNH: 5
ROLUNH

Historical Fundamentals

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ROL

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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ROL
$20.24
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$537.8M
Δ Market Cap
+$10.89B
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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ROL
82.7% Overvalued
Price is 82.7% above estimated fair value
Current Price: $54.09
Fair Value: $29.60
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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ROL

What growth rate is the market pricing in at $54?

+20.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +19.8%

The market implies +20.5% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +19.8%, 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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ROL
98/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. ROIC Consistency 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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ROL
-2.71
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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ROL
Insiders 38.2%Institutions 59.4%Retail & Other 2.4%
No. of Institutional Holders1,213
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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ROL
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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ROL
12
Sells (3M)
21
Sells (12M)
Total value (12M): $1.11B
CHANDLER ELIZABETH B
General Counsel
$842,971
@ $59.36 · 2026-02-25
GAHLHOFF JERRY JR
Chief Executive Officer
$82,119
@ $62.83 · 2026-01-28
TESH THOMAS D
Officer
$20,294
@ $62.83 · 2026-01-28
ROLLINS GARY W
Officer, Director and Beneficial Owner
$650,605
@ $62.83 · 2026-01-28
CHANDLER ELIZABETH B
General Counsel
$83,501
@ $62.83 · 2026-01-28
WILSON JOHN F
Officer and Director
$335,764
@ $62.83 · 2026-01-28
GAHLHOFF JERRY JR
Chief Executive Officer
$285,303
@ $63.26 · 2026-01-26
TESH THOMAS D
Officer
$56,112
@ $63.26 · 2026-01-26
ROLLINS GARY W
Officer, Director and Beneficial Owner
$1.21M
@ $63.26 · 2026-01-26
CHANDLER ELIZABETH B
General Counsel
$136,072
@ $63.26 · 2026-01-26
WILSON JOHN F
Officer and Director
$476,854
@ $63.26 · 2026-01-26
TESH THOMAS D
Officer
$143,904
@ $60.06 · 2026-01-09
WILSON JOHN F
Officer and Director
$90,288
@ $59.40 · 2025-12-15
TESH THOMAS D
Officer
$143,113
@ $59.73 · 2025-12-12
TESH THOMAS D
Officer
$138,359
@ $57.77 · 2025-11-14
LOR INC
Beneficial Owner of more than 10% of a Class of Security
$1.10B
@ $56.93 · 2025-11-10
TESH THOMAS D
Officer
$57,130
@ $57.13 · 2025-08-20
WILSON JOHN F
Officer and Director
$1.74M
@ $58.04 · 2025-07-24
GAHLHOFF JERRY JR
Chief Executive Officer
$854,700
@ $56.98 · 2025-06-11
WILSON JOHN F
Officer and Director
$2.27M
@ $56.77 · 2025-05-29
TESH THOMAS D
Officer
$108,613
@ $56.54 · 2025-05-09
TESH THOMAS D
Officer
$99,469
@ $51.78 · 2025-03-10
HORNFECK TRACI
Officer
$171,194
@ $53.10 · 2025-03-04
CHANDLER ELIZABETH B
General Counsel
$675,218
@ $51.18 · 2025-02-21
CHANDLER ELIZABETH B
Officer
$236,546
@ $50.49 · 2024-10-01
CHANDLER ELIZABETH B
Officer
$237,717
@ $50.74 · 2024-09-03
CHANDLER ELIZABETH B
Officer
$224,085
@ $47.82 · 2024-08-01
GAHLHOFF JERRY JR
Chief Executive Officer
$566,400
@ $47.20 · 2024-06-07
KRAUSE KENNETH D
Chief Financial Officer
$158,222
@ $47.50 · 2024-06-05
KRAUSE KENNETH D
Chief Financial Officer
$225,000
@ $45.00 · 2024-04-26
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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ROL
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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ROL
⚪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 ROL Full AnalysisView UNH Full Analysis