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Compare Stocks › NEE vs UNH

NextEra Energy, Inc. (NEE) vs UnitedHealth Group Incorporated (UNH)

NEE
NextEra Energy, Inc.
$92.41
VS
UNH
UnitedHealth Group Incorporated
$280.44

Rewards

NEE
  • ★Gross margin of 62.3% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
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

NEE
  • ⚠NextEra Energy, Inc. scores only 24/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
  • ⚠Each dollar of retained earnings has produced only $0.13 of market value — shareholders may have been better served by dividends.
  • ⚠Net debt/EBITDA of 6.7x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
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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NEE
UNH
Valuation
$-15.21B
Free Cash Flow
$13.86B
-7.90%
FCF Yield
5.45%
28.00
Trailing P/E
21.18
21.10
Forward P/E
14.08
Quality & Moat
3.23%
ROIC
0.64%
10.28%
ROE
11.85%
62.27%
Gross Margin
18.53%
1.08
PEG Ratio
N/A
Balance Sheet Safety
1.46
Debt / Equity
0.82
N/A
Interest Coverage
N/A
6.68
Net Debt / EBITDA
2.54
2.70%
Dividend Yield
3.15%
NEE: 2Ties: 1UNH: 8
NEEUNH

Historical Fundamentals

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NEE

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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NEE
$0.13
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$8.39B
Δ Market Cap
+$1.11B
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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NEE
200.2% Overvalued
Price is 200.2% above estimated fair value
Current Price: $92.41
Fair Value: $30.78
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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NEE

Requires positive FCF to compute implied growth rate.

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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NEE
24/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though margin stability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

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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NEE
-2.48
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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NEE
Insiders 0.1%Institutions 84.7%Retail & Other 15.2%
No. of Institutional Holders3,718
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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NEE
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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NEE
9
Sells (3M)
20
Sells (12M)
Total value (12M): $36.59M
DAGGS NICOLE J
Officer
$458,862
@ $93.00 · 2026-03-13
MAY JAMES MICHAEL
Officer and Treasurer
$646,423
@ $90.27 · 2026-03-09
LEMASNEY MARK
Officer
$347,088
@ $90.27 · 2026-03-09
CREWS TERRELL KIRK II
Officer
$1.78M
@ $90.27 · 2026-03-09
REAGAN RONALD R
Officer
$482,505
@ $95.00 · 2026-02-17
KETCHUM JOHN W.
Chief Executive Officer
$8.90M
@ $89.34 · 2026-02-09
SIEVING CHARLES E
Officer
$2.70M
@ $90.00 · 2026-02-04
REAGAN RONALD R
Officer
$1.68M
@ $90.00 · 2026-02-04
REAGAN RONALD R
Officer
$920,210
@ $85.00 · 2026-01-22
REAGAN RONALD R
Officer
$985,481
@ $81.25 · 2025-12-11
PIMENTEL ARMANDO JR.
Director
$12.18M
@ $83.91 · 2025-11-17
SIEVING CHARLES E
Officer
$906,880
@ $80.00 · 2025-10-03
LEMASNEY MARK
Officer
$62,943
@ $77.90 · 2025-10-01
LEMASNEY MARK
Officer
$63,365
@ $74.90 · 2025-09-25
LEMASNEY MARK
Officer
$60,827
@ $71.90 · 2025-09-12
DUNNE MICHAEL
Chief Financial Officer
$707,900
@ $70.79 · 2025-09-08
COFFEY ROBERT
Officer
$538,800
@ $71.84 · 2025-07-28
MAY JAMES MICHAEL
Officer and Treasurer
$168,718
@ $77.50 · 2025-07-22
SIEVING CHARLES E
Officer
$1.35M
@ $75.00 · 2025-05-16
SIEVING CHARLES E
Officer
$1.66M
@ $70.00 · 2025-05-09
MAY JAMES MICHAEL
Officer
$162,258
@ $68.09 · 2025-02-18
DAGGS NICOLE J
Officer
$302,809
@ $75.57 · 2024-11-12
SIEVING CHARLES E
Officer
$3.19M
@ $85.00 · 2024-09-16
PIMENTEL ARMANDO JR.
Officer of Subsidiary Company
$7.95M
@ $80.00 · 2024-08-26
SIEVING CHARLES E
Officer
$4.06M
@ $78.55 · 2024-05-31
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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NEE
FearGreed
😏Greed(63/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

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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NEE
⚪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: Greed (63)
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 NEE Full AnalysisView UNH Full Analysis