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Compare Stocks › SPGI vs UNH

S&P Global Inc. (SPGI) vs UnitedHealth Group Incorporated (UNH)

SPGI
S&P Global Inc.
$426.14
VS
UNH
UnitedHealth Group Incorporated
$280.44

Rewards

SPGI
  • ★Gross margin of 70.2% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★S&P Global Inc. scores 71/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Free cash flow has grown at a 29.5% 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

SPGI
    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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    SPGI
    UNH
    Valuation
    $4.88B
    Free Cash Flow
    $13.86B
    3.78%
    FCF Yield
    5.45%
    29.07
    Trailing P/E
    21.18
    19.31
    Forward P/E
    14.08
    Quality & Moat
    9.30%
    ROIC
    0.64%
    12.37%
    ROE
    11.85%
    70.25%
    Gross Margin
    18.53%
    0.91
    PEG Ratio
    N/A
    Balance Sheet Safety
    0.38
    Debt / Equity
    0.82
    N/A
    Interest Coverage
    N/A
    1.56
    Net Debt / EBITDA
    2.54
    0.91%
    Dividend Yield
    3.15%
    SPGI: 4Ties: 2UNH: 5
    SPGIUNH

    Historical Fundamentals

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    SPGI

    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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    SPGI
    $6.13
    created per $1 retained over 3 years
    Exceptional Value Creator
    Σ Retained
    $7.50B
    Δ Market Cap
    +$45.95B
    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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    SPGI
    12.3% Overvalued
    Price is 12.3% above estimated fair value
    Current Price: $426.14
    Fair Value: $379.34
    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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    SPGI

    What growth rate is the market pricing in at $426?

    +13.9%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +12.7%

    The market implies +13.9% Owner Earnings growth, roughly in line with history — reasonably priced.

    Standard FCF implies +12.7%, reflecting ongoing 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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    SPGI
    71/100
    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 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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    SPGI
    -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.
    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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    SPGI
    Insiders 0.3%Institutions 91.0%Retail & Other 8.7%
    No. of Institutional Holders3,006
    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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    SPGI
    1
    Buys (3M)
    2
    Buys (12M)
    Total value (12M): $1.01M
    JOLY HUBERT
    Director
    $997,459
    @ $398.98 · 2026-02-11
    EAGER WILLIAM W
    Officer
    $11,917
    @ $518.13 · 2025-12-10
    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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    SPGI
    0
    Sells (3M)
    5
    Sells (12M)
    Total value (12M): $13.03M
    SAHA SAUGATA
    Officer
    $1.12M
    @ $561.12 · 2025-08-08
    TAVERNIER EDOUARD
    Officer
    $998,526
    @ $555.05 · 2025-08-06
    MOORE SALLY ANN
    Officer
    $255,148
    @ $511.32 · 2025-05-05
    KEMPS STEVEN J
    Officer
    $1.02M
    @ $508.82 · 2025-05-05
    PETERSON DOUGLAS L
    Director
    $9.63M
    @ $502.35 · 2025-05-01
    PETERSON DOUGLAS L
    Director
    $3.00M
    @ $543.39 · 2025-02-14
    SAHA SAUGATA
    Officer
    $261,500
    @ $523.00 · 2024-11-27
    SAHA SAUGATA
    Officer
    $251,800
    @ $503.60 · 2024-11-20
    SAHA SAUGATA
    Officer
    $251,925
    @ $503.85 · 2024-11-13
    SAHA SAUGATA
    Officer
    $249,660
    @ $499.32 · 2024-11-06
    KELLY ROBERT P
    Director
    $3.69M
    @ $481.28 · 2024-08-07
    CHEUNG MARTINA
    Officer and Director
    $3.29M
    @ $484.70 · 2024-08-07
    PETERSON DOUGLAS L
    Chief Executive Officer
    $3.39M
    @ $483.60 · 2024-08-02
    MANIS DIMITRA
    Officer
    $1.05M
    @ $490.00 · 2024-08-01
    KANSLER ADAM JASON
    Officer
    $8.30M
    @ $488.39 · 2024-08-01
    KOCHERLAKOTA SITARAMA SWAMY
    Chief Technology Officer
    $4.69M
    @ $488.81 · 2024-08-01
    TAVERNIER EDOUARD
    Officer
    $245,775
    @ $491.55 · 2024-07-31
    SAHA SAUGATA
    Officer
    $737,325
    @ $491.55 · 2024-07-31
    MOORE SALLY ANN
    Officer
    $1.87M
    @ $485.74 · 2024-07-31
    KEMPS STEVEN J
    Officer
    $1.33M
    @ $491.55 · 2024-07-31
    PETERSON DOUGLAS L
    Chief Executive Officer
    $2.59M
    @ $432.20 · 2024-05-15
    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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    SPGI
    FearGreed
    😨Fear(40/100)

    "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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    SPGI
    ⚪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 (40)
    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 SPGI Full AnalysisView UNH Full Analysis