UnitedHealth vs Elevance
Closer than you think?
The short answer
UnitedHealth wins, 67 to 58, on all three scores.
Scores
UNH
ELV
Price targets
UNH
ELV
Growth
UNH
ELV
AI-resilient moats · 80%
UNH
ELV
AI-vulnerable moats · 20%
UNH
ELV
Shaded cells mark the higher score or stronger moat on each row. Valuation and composite use the live price when it is available, the same as each stock page.
UnitedHealth or Elevance? Common questions
Which is the better stock, UnitedHealth or Elevance?
UnitedHealth wins, 67 to 58, on all three scores. Our rating: UnitedHealth Speculative Buy, Elevance Avoid.
Does UnitedHealth or Elevance have the wider moat?
UnitedHealth scores 79 on moat to Elevance's 73. UnitedHealth is rated stronger on bundling, proprietary data and system of record. Elevance is rated stronger on regulatory lock-in.
Which is growing faster, UnitedHealth or Elevance?
UnitedHealth scores 54 on growth to Elevance's 48. We expect UnitedHealth to grow 3–6% a year, Elevance 2–5%.
Is UnitedHealth or Elevance cheaper right now?
UnitedHealth scores 74 on valuation to Elevance's 63. In our base case, UnitedHealth has more upside: +16% vs −2%.
More head-to-heads
Scores in the answers use the price each valuation was last struck at; the table above updates with the live price. Not investment advice.