WMT vs UNH Stock Comparison
UNH currently leads WMT in this stock comparison, with AIQ scores of 63 vs 54. The clearest difference is value, while WMT has the stronger quality profile.
What is the main difference between WMT and UNH?
UNH leads the current stock comparison as UnitedHealth Group Incorporated, with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Walmart Inc. vs UnitedHealth Group Incorporated
UNH leads
UNH leads by 9 AIQ points, primarily on Value and Momentum, and the lead has widened from 2 points over 30 sessions.
Competitive: 4 of 6 evidence groups support UNH, its lead is widening, and its current signal state is conflicted.
Walmart Inc.
UnitedHealth Group Incorporated
The Algovestiq AIQ Score currently favors UNH over WMT, 63 versus 54 as of Oct 21, 2026. UNH's advantage is driven primarily by stronger value and momentum, while WMT holds the stronger quality profile. UNH also shows the weaker technical structure relative to its 50-day moving average. 4 of 6 covered evidence groups favor UNH today, and the comparison is rated Competitive on stability: the leader is throwing conflicting signals. UNH lead: Strengthening — the AIQ differential moved from 2 to 9 points over 30 sessions.
Compare Walmart Inc. and UnitedHealth Group Incorporated across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare WMT and UNH against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value35 vs 59UNH +24
- Momentum76 vs 95UNH +19
- Quality53 vs 46WMT +7
- Risk Resilience55 vs 51WMT +4
4 of 6 evidence groups favor UNH. UNH’s edge is concentrated in value and momentum; WMT keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum -7
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum +1, not enough on its own to move the overall score.
New signals
- RSI Overbought — bearish, momentum, short horizon
UNH's lead widened by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — WMT and UNH both carry a full feed there.
The central trade-off
UNH (UnitedHealth Group Incorporated): the stronger current systematic profile, led by value and momentum.
WMT (Walmart Inc.): the counter-case, on quality, risk resilience, fundamentals.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
UNHUNH on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
WMTWMT on combined revenue and EPS growth.
Value
UNHUNH on the peer-relative Value factor, by 24 points.
Momentum
UNHUNH on the Momentum factor, by 19 points.
Lower downside
WMTWMT on Risk Resilience, by 4 points.
Analyst upside
UNHUNH on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | WMT | UNH | Note |
|---|---|---|---|
| Implied upside to target | +11% | +12.9% | UNH has more room |
| Target dispersion | +34.4% | +31.7% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 19 | 20 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | WMT | UNH |
|---|---|---|
| 5Y dividend CAGR | 5.48% | 12.57% |
| 2020 regular DPS | $0.720 | $4.830 |
| 2025 regular DPS | $0.940 | $8.730 |
| Years increased | 5 | 5 |
| No cut in window | Yes | Yes |
| Cohort rank | #232 | #58 |
UNH grew its split-adjusted regular dividend faster over 2020–2025 — 12.57% a year against WMT's 5.48%. Neither company reduced its regular dividend in any year of the window.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
4 of 6 covered evidence groups favor UNH. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | UNH | 54 vs 63 |
| Fundamentals | WMTon balance | EPS growth 19.4% vs -24.6%; TTM ROE 22.7% vs 16.1%; gross margin 25.2% vs 22.8%; operating margin 4.4% vs 5.3% — WMT takes 3 of 4 decided legs, not all of them |
| Valuation | UNH | Value 35 vs 59 |
| Technicals | UNH | Price vs 50-day 7.9% vs 7.6%; vs 200-day -0.4% vs 16.5% |
| Risk Resilience | WMT | Risk Resilience 55 vs 51 |
| Analyst expectations | UNH | Target upside 11% vs 12.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of WMT and UNH and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is moderate at 9 points.
- The leader's advantage has been widening. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on UNH.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20UNH lead: Strengthening — the AIQ differential moved from 2 to 9 points over 30 sessions.
- Today
- UNH +9
- 54 vs 63
- 7 sessions ago
- UNH +8
- 54 vs 62
- 30 sessions ago
- UNH +2
- 46 vs 48
- 90 sessions ago
- WMT +3
- 47 vs 44
The lead changed hands 4 times in this window, most recently on Sep 24 when UNH moved ahead of WMT.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 2 bearish, conflicted
Only WMT
- Death Cross Active — bearish, trend, long horizon (8.41%)
5 bullish / 2 bearish, conflicted
Only UNH
- Golden Cross Active — bullish, trend, long horizon (7.67%)
- BB Upper Band Breach — bearish, volatility, short horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
Both carry 3 more signals that do not separate them: Keltner Channel Breakout, RSI Overbought, MACD Bullish Crossover.
UNH leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.04%, AIQ -1 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.54%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1WMT closes the Value gap — currently 24 points behind, the largest single contributor to UNH's edge.
- 2WMT's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3UNH's conflicting signal state resolves bearish — it currently carries 5 bullish and 2 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
WMT leads on balance| Metric | WMT | UNH |
|---|---|---|
| Revenue growth (YoY) | 5.7% | 0.6% |
| EPS growth (YoY) | 19.4% | -24.6% |
| Gross margin | 25.2% | 22.8% |
| Operating margin | 4.4% | 5.3% |
| Return on equity (TTM) | 22.7% | 16.1% |
| Debt to equity | 0.75 | 0.71 |
Performance
UNH leads 5 of 6 windows| Metric | WMT | UNH |
|---|---|---|
| 1 week (5 sessions) | 5% | 11% |
| 1 month (20 sessions) | 7% | 12.4% |
| 3 months (63 sessions) | 7.8% | -2.8% |
| 6 months (126 sessions) | -9.1% | 21.2% |
| Year to date | 5.8% | 27% |
| 1 year (252 sessions) | 10.7% | 17.5% |
Technicals
UNH has the stronger structure| Metric | WMT | UNH |
|---|---|---|
| RSI (14) | 80.7 | 80.8 |
| ADX (14) | 27.6 | 31.3 |
| Price vs 50-day | 7.9% | 7.6% |
| Price vs 200-day | -0.4% | 16.5% |
| Volatility (1M, annualized) | 24.4% | 27.3% |
Risk
WMT is the more resilient| Metric | WMT | UNH |
|---|---|---|
| Beta | -0.1 | 0.37 |
| Sharpe ratio | 0.33 | 0.53 |
| Sortino ratio | 0.43 | 0.65 |
| Max drawdown | -23.5% | -29.6% |
| Current drawdown | -12.2% | -3.9% |
| Annualized volatility | 26.3% | 34.9% |
| Value at risk (95%) | -2.5% | -2.3% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, WMT or UNH?
On the Algovestiq AIQ Score, UNH is the stronger of the two as of Oct 21, 2026, scoring 63 against WMT's 54. The edge comes from value and momentum. WMT is not without a case — it holds the better quality profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is WMT or UNH the better buy right now?
UNH carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Competitive — 4 of 6 covered evidence groups agree. A Competitive rating means the two are close enough that your objective, not the score, should decide.
Why does the AIQ Score favor UNH over WMT?
The composite weights Quality, Value, Momentum and Risk Resilience. UNH leads Value by 24 points; UNH leads Momentum by 19 points; WMT leads Quality by 7 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, WMT or UNH?
Analyst price targets imply +11% upside for WMT and +12.9% for UNH, so the Street currently favors UNH. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, WMT or UNH?
UNH is the better-valued of the two on the peer-relative Value factor. UNH on the peer-relative Value factor, by 24 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, WMT or UNH?
WMT on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, WMT or UNH?
UNH on the Momentum factor, by 19 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, WMT or UNH?
WMT is the more resilient of the two, so the other name carries the higher downside risk. WMT on Risk Resilience, by 4 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is WMT more profitable than UNH?
The profitability evidence is mixed: gross margin 25.2% vs 22.8%; operating margin 4.4% vs 5.3%; ttm roe 22.7% vs 16.1%. WMT leads on two measures and UNH on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is UNH's lead over WMT getting stronger or weaker?
UNH lead: Strengthening — the AIQ differential moved from 2 to 9 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has changed hands 4 times in that window, most recently on 2026-09-24, when UNH moved ahead of WMT.
What would change the WMT vs UNH verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: WMT closes the Value gap — currently 24 points behind, the largest single contributor to UNH's edge; WMT's Death Cross Active resolves — a bearish trend rule currently active against it; UNH's conflicting signal state resolves bearish — it currently carries 5 bullish and 2 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about WMT and UNH?
WMT: 2 bullish / 2 bearish, conflicted. UNH: 5 bullish / 2 bearish, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on WMT is Death Cross Active (bearish, long horizon). On UNH it is Golden Cross Active (bullish, long horizon).
Compare WMT and UNH with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.