COMP <GO>
GRAL vs UNH // ALTMAN Z-SCORE & DEBT/EQUITY
GRAIL Inc. Common Stock (NASDAQ) VS. UnitedHealth Group Incorporated (NYSE) • 15-METRIC TALLY: GRAL 4
— UNH 10
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: GRAL
LAST: $143.43 (-9.75%) • MKT CAP: $7.10B
balance-sheet
7.26
LAST: $406.97 (-0.96%) • MKT CAP: $364.66B
balance-sheet
3.12
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (GRAL VS. UNH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | GRAL | UNH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 88.57% | -47.57 | UNH | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -18.00% | 11.47% | -29.47 | UNH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 16.4x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -4.23% | 6.48% | -10.71 | UNH | /fcf-yield <GO> |
| Operating Margin | -60.00% | 4.82% | -64.82 | UNH | /operating-margins <GO> |
| Net Profit Margin | -60.00% | 3.14% | -63.14 | UNH | /net-margins <GO> |
| Revenue Growth (YoY) | 17.20% | 6.46% | +10.74 | GRAL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.28% | -2.28 | UNH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 7.26 | 3.12 | +4.14 | GRAL | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | UNH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.90% | 6.74% | +0.16 | UNH | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.1 | 56.0 | +1.03 | GRAL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.00 | 0.33 | +0.67 | GRAL | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.0x | 17.1x | +4.91 | UNH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $7.10B | $364.66B | -$357.56B | UNH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | GRAL REV | UNH REV | GRAL GROSS % | UNH GROSS % | GRAL FCF | UNH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $147.2M | $447.57B | 44.0% | 88.7% | -$299.9M | $16.07B |
| FY 2024 | $125.6M | $400.28B | 44.0% | 88.3% | -$582.4M | $20.70B |
| FY 2023 | $93.1M | $371.62B | 44.0% | 89.6% | -$600.0M | $25.68B |
| FY 2022 | — | $324.16B | — | 89.6% | — | $23.40B |
| FY 2021 | — | $287.60B | — | 89.2% | — | $19.89B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
GRAL // BETA 1.00
UNH // BETA 0.33