SLQT vs EHC vs UNH vs CVS

For growth investors, SelectQuote, Inc.

(SLQT) is the stronger pick with 15. 5% revenue growth year-over-year, versus 7. 8% for CVS Health Corporation (CVS). Encompass Health Corporation (EHC) offers the better valuation at 19. 3x trailing P/E (18. 1x forward), making it the more compelling value choice. Analysts rate Encompass Health Corporation (EHC) a "Buy" — based on 26 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, Encompass Health Corporation (EHC) is the cheapest at 19.

3x versus SelectQuote, Inc. at 85. 7x. On forward P/E, CVS Health Corporation is actually cheaper at 12. 2x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Encompass Health Corporation (EHC) delivered a total return of +63.

3%, compared to -96. 1% for SelectQuote, Inc. (SLQT). Over 10 years, the gap is even starker: EHC returned +252. 2% versus SLQT's -95. 8%. 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), CVS Health Corporation (CVS) is the lower-risk stock at 0.

05β versus SelectQuote, Inc. 's 1. 96β — meaning SLQT is approximately 3779% more volatile than CVS relative to the S&P 500. On balance sheet safety, SelectQuote, Inc. (SLQT) carries a lower debt/equity ratio of 72% versus 124% for CVS Health Corporation — giving it more financial flexibility in a downturn.

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

(SLQT) is pulling ahead at 15. 5% versus 7. 8% for CVS Health Corporation (CVS). On earnings-per-share growth, the picture is similar: SelectQuote, Inc. grew EPS 106. 7% year-over-year, compared to -62. 0% for CVS Health Corporation. 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.

Encompass Health Corporation (EHC) is the more profitable company, earning 9.

5% net margin versus 0. 4% for CVS Health Corporation — meaning it keeps 9. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EHC leads at 17. 7% versus 2. 6% for CVS. At the gross margin level — before operating expenses — EHC leads at 95. 7%, 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.

On forward earnings alone, CVS Health Corporation (CVS) trades at 12.

2x forward P/E versus 20. 2x for UnitedHealth Group Incorporated — 8. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SLQT: 250. 9% to $4. 00.

In this comparison, CVS (3.

1% yield), UNH (2. 4% yield), EHC (0. 6% yield) pay a dividend. SLQT does not pay a meaningful dividend and should not be held primarily for income.

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

05), 3. 1% yield). SelectQuote, Inc. (SLQT) carries a higher beta of 1. 96 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (CVS: +3. 5%, SLQT: -95. 8%), 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 (SLQT (Financial Services) and EHC (Healthcare) and UNH (Healthcare) and CVS (Healthcare)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: SLQT is a small-cap high-growth stock; EHC is a mid-cap quality compounder stock; UNH is a large-cap quality compounder stock; CVS is a mid-cap income-oriented stock. EHC, UNH, CVS pay a dividend while SLQT does 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.