Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · View financials
Decision snapshot: ZM stock price vs UNH: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at UNH's multiple
Needs UNH P/E.
Implied fair value · at ZM's multiple
Needs ZM P/E.
Live quote
Price unavailable
Metric by metric
Where each company leads, and how wide the gap is.
Growth lag
Pricing power
Operating leverage
Lower is better
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: ZM FY 2026 (ended Jan 31, 2026) · UNH FY 2025 (ended Dec 31, 2025). Fiscal years are not aligned.
Trendline
Six fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
Zoom Communications, Inc. · implied price per share
Bear
$67.83
Base
$79.80
Bull
$91.77
UnitedHealth Group Incorporated · implied price per share
Bear
-$12.99
Base
-$15.29
Bull
-$17.58
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.01x
0.78x
Net debt / EBITDA
Leverage against operating earnings
-0.47x
1.91x
Cash and equivalents
Liquid reserves on the balance sheet
$1.27B
$28.12B
Total debt
Interest-bearing obligations outstanding
$71.56M
$78.39B
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
Live quote
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
If you believe ZM can re-accelerate growth while sustaining its high margins, then a modestly constructive stance makes sense because ZM’s profitability, ROIC, and balance sheet are stronger than UNH’s even though the stock already sits near the top of its historical price band.
On a P/E basis, ZM at 15.5x trades at a large discount to UNH at 31.3x, which is what drives UNH-implied upside to $193.57. However, on revenue-based multiples ZM is much richer than UNH, with a 5.9x P/S and 5.7x EV/Revenue versus UNH at 0.8x and 1.0x, so the valuation signal is not one-way.
Supporting Metrics
