28/36 against 13/36 checks · to 2026-09-11

NVDA vs UNH.

NVIDIADesigns the GPUs that train and run most of the world's AI models.

UnitedHealthAmerica's largest health insurer, plus the Optum health services and pharmacy business.

→NVIDIA (NVDA) is 15.5 times the size of UnitedHealth (UNH) at $5.26T against $340.3B, and on the filings NVIDIA passes more, 28 checks of 36 against 13.

Which passes more checks?

widest gap first

→The two are furthest apart on Growth, where NVIDIA passes 4 more of the six.

	NVDA	UNH
Growth	5/6	1/6
Financial health	6/6	2/6
Trend	4/6	0/6
Quality	5/6	2/6
Value	3/6	2/6
Shareholder returns	5/6	6/6
All checks	28/36	13/36

→UnitedHealth turns over $450.1B to NVIDIA's $303.0B, 1.5 times as much. NVIDIA keeps 63.7% of revenue as profit against 3.1% at UnitedHealth.

NVIDIA files as an operating company and UnitedHealth as an insurer, so the measures each is judged on differ - net interest margin means nothing for one, funds from operations nothing for the other. The six axes still compare, because every company is scored on the checks its own filings support.

Which is growing faster, NVDA or UNH?

→NVIDIA grew revenue faster over the last twelve months, +83.4% against +6.5% at UnitedHealth - 77 points apart. Over three years the order is the same, NVIDIA at +100.0% and UnitedHealth at +11.4%.

	NVDA	UNH
Revenue (TTM)	$303.0B	$450.1B
Revenue growth, 1 year	+83.4%	+6.5%
Revenue CAGR, 3 years	+100.0%	+11.4%
Net income (TTM)	$192.9B	$14.1B
Free cash flow (TTM)	$127.0B	$23.6B

Which balance sheet is stronger?

→NVIDIA carries much the lighter balance sheet, 0.15x of debt to equity against 0.70x - which matters most in the year a downturn arrives, not this one.

	NVDA	UNH
Debt / equity	0.15x	0.70x
Interest coverage	426.7x	5.6x
Cash and short-term investments	$56.6B	$31.5B

Which keeps more of each sale?

→NVIDIA keeps more of each sale: operating margin of 65.2% against 4.8%, a gap of 60 points that flows into everything below it.

	NVDA	UNH
Gross margin	74.7%	-
Operating margin	65.2%	4.8%
Return on equity	84.2%	13.5%

Which is cheaper?

→UnitedHealth is the cheaper of the two on earnings, 24.5x against 27.7x. Against their own histories, NVIDIA is below its 33.9x median and UnitedHealth is above its 17.8x.

	NVDA	UNH
Share price	$218.29	$379.09
Market cap	$5.26T	$340.3B
P/E	27.7x	24.5x
P/E, own median own 11-year median / own 11-year median	33.9x	17.8x
P/S	17.4x	0.8x
Free cash flow yield	2.4%	6.9%

Which hands more back to owners?

→Both pay: UnitedHealth yields the more at 2.4% against 0.5%. A yield rises when a price falls, so read it beside the payout checks in each report.

	NVDA	UNH
Dividend yield	0.5%	2.4%
Payout ratio	3.5%	57.3%
Years of unbroken dividend	-	-

Where they differ most

the checks behind the gap

Growth: NVIDIA 4 ahead

NVDA passesOutgrew its sector over the last twelve months 83.4% vs 22.1% (sector 70th pct, n=164)
NVDA passesSustained growth beats its sector (3 years) 100.0% vs 11.4% (sector 70th pct, n=162)
NVDA passesProfits grew over the last twelve months 122.7% vs 0.0%

UNH failsPremiums outgrew its sector over the last twelve months 7.3% vs 14.3% (sector 70th pct, n=103)
UNH failsSustained growth beats its sector (3 years) 11.4% vs 14.8% (sector 70th pct, n=100)
UNH failsProfits grew over the last twelve months -33.7% vs 0.0%

Financial health: NVIDIA 4 ahead

NVDA passesComfortable near-term liquidity 4.59 vs 1.50
NVDA passesDebt isn't dominating 0.15 vs 1.00
NVDA passesDebt trending the right way debt/equity 0.15 now vs 0.41 five years ago

UNH failsDebt trending the right way debt/equity 0.70 now vs 0.59 five years ago
UNH failsConverts sales to cash better than its sector 6.0% vs 23.3% (sector 70th pct, n=103)