COMP <GO>
PEN vs UNH // DIVIDEND YIELD & FCF PAYOUT SAFETY
Penumbra Inc. (NYSE) VS. UnitedHealth Group Incorporated (NYSE) • 15-METRIC TALLY: PEN 7
— UNH 8
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: UNH
LAST: $318.95 (-0.94%) • MKT CAP: $12.68B
dividend-safety
0.00%
LAST: $406.97 (-0.96%) • MKT CAP: $364.66B
dividend-safety
2.28%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PEN VS. UNH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PEN | UNH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 67.10% | 88.57% | -21.47 | UNH | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.60% | 11.47% | -0.87 | UNH | /roic <GO> |
| EV/EBITDA & P/E Valuation | 52.0x | 16.4x | +35.55 | UNH | /valuation <GO> |
| Free Cash Flow Yield | 1.38% | 6.48% | -5.10 | UNH | /fcf-yield <GO> |
| Operating Margin | 13.50% | 4.82% | +8.68 | PEN | /operating-margins <GO> |
| Net Profit Margin | 12.70% | 3.14% | +9.56 | PEN | /net-margins <GO> |
| Revenue Growth (YoY) | 17.50% | 6.46% | +11.04 | PEN | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 0.00% | 2.28% | -2.28 | UNH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 21.05 | 3.12 | +17.93 | PEN | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 7/9 | +2.00 | PEN | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.74% | -0.14 | PEN | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.7 | 56.0 | -11.32 | UNH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.91 | 0.33 | +0.58 | PEN | /macro-sensitivity <GO> |
| Forward P/E Multiple | 60.0x | 17.1x | +42.91 | UNH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $12.68B | $364.66B | -$351.98B | UNH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PEN REV | UNH REV | PEN GROSS % | UNH GROSS % | PEN FCF | UNH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.40B | $447.57B | 67.1% | 88.7% | $174.9M | $16.07B |
| FY 2024 | $1.19B | $400.28B | 63.2% | 88.3% | $147.3M | $20.70B |
| FY 2023 | $1.06B | $371.62B | 44.0% | 89.6% | $49.7M | $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
PEN // BETA 0.91
UNH // BETA 0.33