COMP <GO>
VCEL vs UNH // ALTMAN Z-SCORE & DEBT/EQUITY
Vericel Corporation (NASDAQ) VS. UnitedHealth Group Incorporated (NYSE) • 15-METRIC TALLY: VCEL 4
— UNH 9
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: VCEL
LAST: $40.26 (-6.18%) • MKT CAP: $2.20B
balance-sheet
9.94
LAST: $406.97 (-0.96%) • MKT CAP: $368.83B
balance-sheet
3.12
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (VCEL VS. UNH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | VCEL | UNH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 74.40% | 88.57% | -14.17 | UNH | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 11.47% | -8.07 | UNH | /roic <GO> |
| EV/EBITDA & P/E Valuation | 61.4x | 16.4x | +44.95 | UNH | /valuation <GO> |
| Free Cash Flow Yield | 1.13% | 6.48% | -5.35 | UNH | /fcf-yield <GO> |
| Operating Margin | 4.00% | 4.82% | -0.82 | UNH | /operating-margins <GO> |
| Net Profit Margin | 6.00% | 3.14% | +2.86 | VCEL | /net-margins <GO> |
| Revenue Growth (YoY) | 16.50% | 6.46% | +10.04 | VCEL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.28% | -2.28 | UNH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 9.94 | 3.12 | +6.82 | VCEL | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | VCEL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 6.74% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.0 | 59.2 | -3.20 | UNH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.33 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 111.7x | 17.7x | +93.96 | UNH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.20B | $368.83B | -$366.63B | UNH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | VCEL REV | UNH REV | VCEL GROSS % | UNH GROSS % | VCEL FCF | UNH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $276.3M | $447.57B | 74.4% | 88.7% | $24.7M | $16.07B |
| FY 2024 | $237.2M | $400.28B | 72.6% | 88.3% | -$5.8M | $20.70B |
| FY 2023 | $197.5M | $371.62B | — | 89.6% | $35.3M | $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
VCEL // BETA —
UNH // BETA 0.33