UNH is undervalued and a good buy; its price is below all valuation methods, giving a margin of safety.

So let me give you an example of a finance company United Health. So if you look at United Health UNH again you can see what is the projected growth rate from fact you can see for the next 5 years is projected to grow at 15.96% and then in the longer run grow at 13.67%.

So if we look at the intrinsic value again there are so many ways to value United Health but it's a insurance company. So what's the more um what what's the method to use? We use the discounted net income method which is over here discounted net income method.

And so based on this method, you can see the intrinsic value uh based on projecting the net profit for the next 20 years discount to present value gives us $529.

But then you may look at Oracle value and say hey Oracle value shows only 446. So why is Oracle value below that? Very simple because Oracle value basically is more conservative.

So it will tend to take a lower growth rate and hence it is 446.

So Oracle value has a inbuilt AI algorithm that will adjust it to make it more conservative if it feels that the growth projections here are a bit too optimistic. So the Oracle value says that United Health is worth 446 but the discounted net income method says it is worth 529.

Now does it really matter? It doesn't matter. Why? Because right now the share price is at 3.84. So whether you think it's worth 446 or whether you think it's worth uh 529, the share price is way below both valuations.

So that gives a margin of safety. And so that's the best time to buy a stock when the share price is below, you know, all the different valuation methods and below your valuation range.

But of course, don't just look at valuation. You have to be sure that is a good company in the first place, which by the way, I I believe it is.