SafetyMargin.ioSafetyMargin.io
BlogWatchlistCompare
Compare Stocks › RSG vs UNH

Republic Services, Inc. (RSG) vs UnitedHealth Group Incorporated (UNH)

RSG
Republic Services, Inc.
$223.02
VS
UNH
UnitedHealth Group Incorporated
$280.44

Rewards

RSG
  • ★Republic Services, Inc. scores 76/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Free cash flow has grown at a 11.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
  • ★Each dollar of retained earnings has created $6.36 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

RSG
  • ⚠PEG ratio of 4.40 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
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

Learn more →
RSG
UNH
Valuation
$2.41B
Free Cash Flow
$13.86B
3.49%
FCF Yield
5.45%
32.56
Trailing P/E
21.18
27.72
Forward P/E
14.08
Quality & Moat
9.91%
ROIC
0.64%
17.87%
ROE
11.85%
43.01%
Gross Margin
18.53%
4.40
PEG Ratio
N/A
Balance Sheet Safety
1.15
Debt / Equity
0.82
N/A
Interest Coverage
N/A
2.67
Net Debt / EBITDA
2.54
1.12%
Dividend Yield
3.15%
RSG: 3Ties: 1UNH: 7
RSGUNH

Historical Fundamentals

Learn more →
RSG

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 →
RSG
$6.36
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$3.85B
Δ Market Cap
+$24.50B
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

Learn more →
RSG
63.4% Overvalued
Price is 63.4% above estimated fair value
Current Price: $223.02
Fair Value: $136.47
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

Learn more →
RSG

What growth rate is the market pricing in at $223?

+16.7%
Market-Implied Owner Earnings Growth
Standard FCF implies +15.1%

The market implies +16.7% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +15.1%, 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

Learn more →
RSG
76/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. ROIC Consistency is the area most vulnerable to competitive pressure.

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 →
RSG
-2.74
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

Learn more →
RSG
Insiders 0.1%Institutions 96.9%Retail & Other 2.9%
No. of Institutional Holders1,819
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

Learn more →
RSG
0
Buys (3M)
2
Buys (12M)
Total value (12M): $1.10M
WEYMOUTH KATHARINE B
Director
$100,122
@ $209.46 · 2025-12-09
CASCADE INVESTMENT, L.L.C.
Beneficial Owner of more than 10% of a Class of Security
$1.00M
@ $234.91 · 2025-08-19
WEYMOUTH KATHARINE B
Director
$100,040
@ $185.26 · 2024-06-04
VOLPE SANDRA M
Director
$14,803
@ $187.38 · 2024-05-15
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

Learn more →
RSG
0
Sells (3M)
2
Sells (12M)
Total value (12M): $1.78M
BRUMMER GREGG
Chief Operating Officer
$1.72M
@ $233.94 · 2025-08-22
CARLSEN ELYSE
Officer
$59,495
@ $253.17 · 2025-06-05
RICHARDSON LARSON
Officer
$525,954
@ $239.07 · 2025-03-03
BRUMMER GREGG
Chief Operating Officer
$1.44M
@ $228.20 · 2025-02-19
WEYMOUTH KATHARINE B
Director
$400,187
@ $215.27 · 2024-12-05
DELGHIACCIO BRIAN M
Chief Financial Officer
$1.07M
@ $210.02 · 2024-11-19
COLLINS TOMAGO
Director
$649,625
@ $203.01 · 2024-08-16
HODGES AMANDA
Officer
$1.21M
@ $186.02 · 2024-05-06
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

Learn more →
RSG
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

Learn more →
RSG
⚪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 RSG Full AnalysisView UNH Full Analysis