CSV vs. UNH
CSV (Carriage Services, Inc.) and UNH (UnitedHealth Group Incorporated) are both stocks. CSV operates in Personal Services (Consumer Cyclical), while UNH operates in Healthcare Plans (Healthcare). Over the past 10 years, CSV returned 7.05%/yr vs 13.40%/yr for UNH. At a 0.14 correlation, their price movements are largely independent.
Performance
CSV vs. UNH - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, CSV achieves a -6.42% return, which is significantly lower than UNH's 25.68% return. Over the past 10 years, CSV has underperformed UNH with an annualized return of 7.05%, while UNH has yielded a comparatively higher 13.40% annualized return.
CSV
- 1D
- 2.95%
- 1M
- -9.92%
- YTD
- -6.42%
- 6M
- -6.86%
- 1Y
- -9.87%
- 3Y*
- 14.74%
- 5Y*
- 2.42%
- 10Y*
- 7.05%
UNH
- 1D
- 0.63%
- 1M
- 5.98%
- YTD
- 25.68%
- 6M
- 27.74%
- 1Y
- 39.79%
- 3Y*
- -3.03%
- 5Y*
- 2.30%
- 10Y*
- 13.40%
CSV vs. UNH - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CSV Carriage Services, Inc. | -6.42% | 7.27% | 61.83% | -7.71% | -56.70% | 107.92% | 24.25% | 67.51% | -38.90% | -9.44% |
UNH UnitedHealth Group Incorporated | 25.68% | -33.14% | -2.41% | 0.80% | 6.94% | 45.20% | 21.25% | 20.00% | 14.52% | 39.83% |
Correlation
The correlation between CSV and UNH is 0.09, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.09 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.07 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.15 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.19 |
Correlation (All Time) Calculated using the full available price history since Aug 9, 1996 | 0.14 |
The correlation between CSV and UNH shifts across timeframes, from 0.07 (3 years) to 0.19 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
CSV:
$621.53M
UNH:
$372.42B
CSV:
$2.81
UNH:
$13.23
CSV:
14.03
UNH:
30.94
CSV:
1.48
UNH:
0.83
CSV:
2.33
UNH:
3.58
CSV:
$416.49M
UNH:
$449.71B
CSV:
$147.10M
UNH:
$84.55B
CSV:
$108.36M
UNH:
$22.99B
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
CSV vs. UNH — Risk / Return Rank
CSV
UNH
CSV vs. UNH - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Carriage Services, Inc. (CSV) and UnitedHealth Group Incorporated (UNH). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CSV | UNH | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.38 | ||
| Sortino ratioReturn per unit of downside risk | -1.85 | ||
| Omega ratioGain probability vs. loss probability | 0.96 | 1.22 | -0.27 |
| Calmar ratioReturn relative to maximum drawdown | -0.36 | 1.38 | -1.74 |
| Martin ratioReturn relative to average drawdown | -0.91 | 3.03 | -3.94 |
Loading charts...
Drawdowns
CSV vs. UNH - Drawdown Comparison
The maximum CSV drawdown since its inception was -95.90%, which is greater than UNH's maximum drawdown of -74.37%. Use the drawdown chart below to compare losses from any high point for CSV and UNH.
Loading charts...
Drawdown Indicators
| CSV | UNH | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -95.90% | -74.37% | -21.53% |
Max Drawdown (1Y)Largest decline over 1 year | -27.58% | -28.96% | +1.38% |
Max Drawdown (3Y)Largest decline over 3 years | -40.56% | -61.39% | +20.83% |
Max Drawdown (5Y)Largest decline over 5 years | -68.52% | -61.39% | -7.13% |
Max Drawdown (10Y)Largest decline over 10 years | -68.52% | -61.39% | -7.13% |
Current DrawdownCurrent decline from peak | -36.52% | -31.75% | -4.77% |
Average DrawdownAverage peak-to-trough decline | -51.39% | -14.78% | -36.61% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.88% | 13.17% | -2.29% |
Volatility
CSV vs. UNH - Volatility Comparison
Carriage Services, Inc. (CSV) has a higher volatility of 10.55% compared to UnitedHealth Group Incorporated (UNH) at 7.68%. This indicates that CSV's price experiences larger fluctuations and is considered to be riskier than UNH based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| CSV | UNH | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.55% | 7.68% | +2.87% |
Volatility (6M)Calculated over the trailing 6-month period | 19.52% | 30.76% | -11.24% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.82% | 40.02% | -14.20% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.82% | 31.90% | +4.92% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 36.95% | 30.21% | +6.74% |
Dividends
CSV vs. UNH - Dividend Comparison
CSV's dividend yield for the trailing twelve months is around 1.14%, less than UNH's 2.21% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CSV Carriage Services, Inc. | 1.14% | 1.06% | 1.13% | 1.80% | 1.63% | 0.64% | 1.08% | 1.17% | 1.94% | 0.88% | 0.52% | 0.41% |
UNH UnitedHealth Group Incorporated | 2.21% | 2.64% | 1.62% | 1.38% | 1.21% | 1.12% | 1.38% | 1.41% | 1.38% | 1.30% | 1.48% | 1.59% |
Financials
CSV vs. UNH - Financials Comparison
This section allows you to compare key financial metrics between Carriage Services, Inc. and UnitedHealth Group Incorporated. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CSV vs. UNH - Profitability Comparison
CSV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Carriage Services, Inc. reported a gross profit of 38.64M and revenue of 106.12M. Therefore, the gross margin over that period was 36.4%.
UNH - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, UnitedHealth Group Incorporated reported a gross profit of 25.41B and revenue of 111.72B. Therefore, the gross margin over that period was 22.7%.
CSV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Carriage Services, Inc. reported an operating income of 25.28M and revenue of 106.12M, resulting in an operating margin of 23.8%.
UNH - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, UnitedHealth Group Incorporated reported an operating income of 8.99B and revenue of 111.72B, resulting in an operating margin of 8.1%.
CSV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Carriage Services, Inc. reported a net income of 13.49M and revenue of 106.12M, resulting in a net margin of 12.7%.
UNH - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, UnitedHealth Group Incorporated reported a net income of 6.28B and revenue of 111.72B, resulting in a net margin of 5.6%.
Frequently Asked Questions
CSV and UNH have a correlation of 0.09, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CSV has higher volatility (10.55%) compared to UNH (7.68%). In terms of maximum drawdown, CSV dropped -95.90% vs UNH's -74.37%.
UNH currently has the higher Sharpe Ratio (1.00 vs -0.38), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for CSV and UNH
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer