NCRA vs RELI vs GOCO vs SLQT vs UNH

For growth investors, SelectQuote, Inc.

(SLQT) is the stronger pick with 15. 5% revenue growth year-over-year, versus -54. 7% for GoHealth, Inc. (GOCO). UnitedHealth Group Incorporated (UNH) offers the better valuation at 30. 2x trailing P/E (21. 7x forward), making it the more compelling value choice. Analysts rate UnitedHealth Group Incorporated (UNH) a "Buy" — based on 52 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, UnitedHealth Group Incorporated (UNH) is the cheapest at 30.

2x versus SelectQuote, Inc. at 66. 1x.

Over the past 5 years, UnitedHealth Group Incorporated (UNH) delivered a total return of +9.

1%, compared to -100. 0% for Reliance Global Group, Inc. (RELI). Over 10 years, the gap is even starker: UNH returned +229. 4% versus RELI's -100. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), UnitedHealth Group Incorporated (UNH) is the lower-risk stock at 0.

64β versus SelectQuote, Inc. 's 2. 71β — meaning SLQT is approximately 326% more volatile than UNH relative to the S&P 500. On balance sheet safety, SelectQuote, Inc. (SLQT) carries a lower debt/equity ratio of 72% versus 4% for Reliance Global Group, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), SelectQuote, Inc.

(SLQT) is pulling ahead at 15. 5% versus -54. 7% for GoHealth, Inc. (GOCO). On earnings-per-share growth, the picture is similar: SelectQuote, Inc. grew EPS 106. 7% year-over-year, compared to -29. 6% for GoHealth, Inc.. Over a 3-year CAGR, SLQT leads at 26. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

SelectQuote, Inc.

(SLQT) is the more profitable company, earning 3. 1% net margin versus -71. 1% for GoHealth, Inc. — meaning it keeps 3. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SLQT leads at 4. 5% versus -54. 8% for RELI. At the gross margin level — before operating expenses — GOCO leads at 73. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

Analyst consensus price targets imply the most upside for SLQT: 241.

2% to $3. 00.

In this comparison, UNH (2.

2% yield) pays a dividend. NCRA, RELI, GOCO, SLQT do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, UnitedHealth Group Incorporated (UNH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

64), 2. 2% yield, +229. 4% 10Y return). SelectQuote, Inc. (SLQT) carries a higher beta of 2. 71 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (UNH: +229. 4%, SLQT: -96. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (NCRA (Consumer Defensive) and RELI (Financial Services) and GOCO (Financial Services) and SLQT (Financial Services) and UNH (Healthcare)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: NCRA is a small-cap quality compounder stock; RELI is a small-cap quality compounder stock; GOCO is a small-cap quality compounder stock; SLQT is a small-cap high-growth stock; UNH is a large-cap quality compounder stock. UNH pays a dividend while NCRA, RELI, GOCO, SLQT do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.