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CRL vs UNH

CRL
Charles River Laboratories International, Inc.
NEUTRAL
Price
$169.80
Market Cap
$8.38B
Sector
Healthcare
AI Confidence
80%
UNH
UnitedHealth Group Incorporated
NEUTRAL
Price
$323.48
Market Cap
$293.61B
Sector
Healthcare
AI Confidence
85%

Valuation

P/E Ratio
CRL
--
UNH
24.43
Forward P/E
CRL
13.76
UNH
16.08
P/B Ratio
CRL
2.64
UNH
3.11
P/S Ratio
CRL
2.09
UNH
0.66
EV/EBITDA
CRL
12.35
UNH
16.47

Profitability

Gross Margin
CRL
34.98%
UNH
18.53%
Operating Margin
CRL
4.51%
UNH
0.34%
Profit Margin
CRL
-3.6%
UNH
2.69%
ROE
CRL
-4.23%
UNH
12.54%
ROA
CRL
4.24%
UNH
3.9%

Growth

Revenue Growth
CRL
-0.8%
UNH
12.3%
Earnings Growth
CRL
--
UNH
-99.9%

Financial Health

Debt/Equity
CRL
0.82
UNH
0.82
Current Ratio
CRL
1.29
UNH
0.79
Quick Ratio
CRL
0.82
UNH
0.7

Dividends

Dividend Yield
CRL
--
UNH
2.73%
Payout Ratio
CRL
0.0%
UNH
65.99%

AI Verdict

CRL NEUTRAL

CRL presents a contradictory profile characterized by a very weak Piotroski F-Score of 2/9, indicating significant deterioration in fundamental financial health. While the company maintains a strong track record of beating earnings estimates and carries an attractive Forward P/E of 13.76, negative profit margins and declining YoY revenue and EPS growth are concerning. The valuation appears discounted (PEG 0.13), but the bearish technical trend and poor health score offset the bullish analyst consensus. Overall, the stock is a value play contingent on a fundamental turnaround that is not yet evident in the data.

Strengths
Consistent history of beating quarterly earnings estimates (3/4 last 4 quarters)
Attractive Forward P/E ratio of 13.76 relative to healthcare sector averages
Very low PEG ratio (0.13) suggesting potential undervaluation relative to growth expectations
Risks
Critical financial health weakness indicated by a Piotroski F-Score of 2/9
Negative net profit margin (-3.60%) and negative ROE (-4.23%)
Negative YoY revenue growth (-0.80%) and EPS growth (-10.2%)
UNH NEUTRAL

UnitedHealth Group presents a conflicted profile with a stable but mediocre Piotroski F-Score of 4/9 and a significant disconnect between current price ($323.48) and defensive fair value (Graham Number: $175.91). While revenue growth remains robust at 12.3%, the company has suffered a catastrophic collapse in YoY earnings growth (-99.9%), suggesting severe short-term headwinds or one-time accounting shocks. Technical trends are currently bearish (0/100), though a recent one-month bounce and a favorable Forward P/E of 16.08 indicate analyst expectations of a recovery. The stock is currently trading at a significant premium to its intrinsic value, relying heavily on its market dominance and future earnings normalization.

Strengths
Strong consistent revenue growth (12.3% YoY)
Manageable Debt/Equity ratio of 0.82
Attractive Forward P/E (16.08) compared to current P/E (24.43)
Risks
Extreme earnings volatility (YoY Earnings Growth -99.9%)
Poor liquidity indicated by a Current Ratio of 0.79
Extremely thin operating margins (0.34%)

Compare Another Pair

CRL vs UNH: Head-to-Head Comparison

This page compares Charles River Laboratories International, Inc. (CRL) and UnitedHealth Group Incorporated (UNH) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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