This week’s Fair Value Spotlight covers four undervalued large cap stocks from two markets: Samsung Electronics (005930) and LG Electronics (066570) on KOSPI, and UnitedHealth Group (UNH) and Salesforce (CRM) on the NYSE. Each shows 25% to 41% upside to its InvestingPro Fair Value, the average of several valuation models.
A discount to a model average says nothing about how reliable that average is. So for each name we look at four things: the model spread and uncertainty rating, whether Wall Street’s targets agree with the models, the five Financial Health sub-scores, and one concrete risk.
At a Glance
| Stock | Price | Fair Value | FV upside | Uncertainty | Analyst avg | Health | P/E |
|---|---|---|---|---|---|---|---|
| Samsung Electronics (005930) | ₩215,500 | ₩271,189.35 | +25.8% | HIGH | ₩478,906 (+122.2%) | Great | 10.2x |
| LG Electronics (066570) | ₩169,700 | ₩211,889.37 | +24.9% | HIGH | ₩244,731 (+44.2%) | Good | 35.2x |
| UnitedHealth Group (UNH) | $401.43 | $533.53 | +32.9% | MED | $477.04 (+18.8%) | Great | 22.7x |
| Salesforce (CRM) | $240.70 | $339.95 | +41.2% | MED | $285.68 (+18.7%) | Good | 20.5x |
Fair Value is the model average. Analyst avg is the average target, with upside in brackets. Analyst upside is calculated as average target ÷ price − 1; it is not displayed by InvestingPro. Financial Health sub-scores run 1 to 5 (higher is better) in the order Cash Flow / Growth / Price Momentum / Profitability / Relative Value.
1. Samsung Electronics (005930): Great Health, Widest Model-vs-Analyst Gap
Key data
- Price ₩215,500 · Market cap ₩1,376,573.3B · Information Technology / Technology Hardware, Storage & Peripherals
- Fair Value average ₩271,189.35, +25.8% upside
- Uncertainty HIGH · Spread ₩126,571.32 to ₩428,503.10 · 9 models
- Analyst average ₩478,906 from 36 analysts (range ₩290,000 to ₩725,000), +122.2% (calculated)
- P/E 10.2x · Dividend yield 0.7% · 52-week range ₩94,500 to ₩374,500
Financial Health (4 / 4 / 2 / 4 / 3)
Cash Flow, Growth and Profitability all score 4, which is what supports the Great label. Relative Value at 3 is mid-pack against sector peers. The weak spot is Price Momentum at 2: the stock sits about 42.5% below its 52-week high (calculated).
Why it’s interesting this week
Korea’s flagship stock combines Great health, a 10.2x P/E and +25.8% model upside. Even the lowest analyst target (₩290,000) is above the current price.
The caveat: models and analysts disagree sharply
The analyst average is roughly 76.6% above the Fair Value average (calculated) and sits above the top of the model spread (₩428,503). One set of assumptions points to about +26%, the other to about +122%. Read that gap as a sign of how much the outcome depends on earnings and cycle assumptions. It is not extra upside. SK Hynix shows the same pattern; see our SK Hynix fair value analysis.
Risk
HIGH uncertainty. The spread is about 111% of the Fair Value average (calculated), and the low end (₩126,571) is about 41% below the current price.
2. LG Electronics (066570): Cheap on Models, Expensive on Earnings
Key data
- Price ₩169,700 · Market cap ₩28,604.9B · Consumer Discretionary / Household Durables
- Fair Value average ₩211,889.37, +24.9% upside
- Uncertainty HIGH · Spread ₩89,631.37 to ₩280,361.51 · 15 models
- Analyst average ₩244,731 from 26 analysts (range ₩135,000 to ₩350,000), +44.2% (calculated)
- P/E 35.2x · Dividend yield 0.8% · 52-week high ₩438,000
Financial Health (3 / 3 / 2 / 3 / 2)
A balanced 3 on Cash Flow, Growth and Profitability, with two soft spots: Price Momentum 2 (about 61.3% below the 52-week high, calculated) and Relative Value 2. With a 35.2x P/E, that score says the stock is not cheap on earnings versus its sector.
Why it’s interesting this week
A well-known consumer brand with Good health and +24.9% Fair Value upside. It also offers a different sector from Korea’s chip-heavy large caps. Its Fair Value also rests on the most models of the four (15).
Risk
A 35.2x P/E alongside HIGH uncertainty (spread about 90% of Fair Value, calculated). The lowest analyst target, ₩135,000, is about 20.4% below the current price (calculated). If earnings don’t recover, the multiple stays a headwind.
3. UnitedHealth Group (UNH): The Only Name With Strong Momentum
Key data
- Price $401.43 · Market cap $360.3B · Healthcare / Healthcare Providers & Services
- Fair Value average $533.53, +32.9% upside
- Uncertainty MED · Spread $447.61 to $757.72 · only 5 models
- Analyst average $477.04 from 25 analysts (range $380 to $529), +18.8% (calculated)
- P/E 22.7x · Dividend yield 2.3% · 52-week range $255.97 to $461.62
Financial Health (3 / 2 / 4 / 4 / 3)
UNH is the only stock in this group with Price Momentum at 4, and Profitability also scores 4. The weakness is Growth at 2: strong earnings power and a firm share price, but slower growth.
Why it’s interesting this week
Great health, +32.9% Fair Value upside, an analyst average above the price, and the highest dividend yield in the group (2.3%). Even the low end of the model spread ($447.61) is above the current price.
Risk
The Fair Value rests on just 5 models, versus 9 to 15 for the others. One model revision can move the average a lot. The analyst average is about 10.6% below Fair Value (calculated), and the lowest target ($380) is about 5.3% below the price (calculated).
4. Salesforce (CRM): Largest Discount, Most Divided Street
Key data
- Price $240.70 · Market cap $198.1B · Information Technology / Software
- Fair Value average $339.95, +41.2% upside (largest this week)
- Uncertainty MED · Spread $251.59 to $424.88 · 14 models
- Analyst average $285.68 from 54 analysts (range $165 to $475), +18.7% (calculated)
- P/E 20.5x · Dividend yield 0.7% · 52-week range $146.32 to $269.11
Financial Health (2 / 3 / 3 / 3 / 2)
Growth, Momentum and Profitability all sit at 3. The weak points are Cash Flow 2 and Relative Value 2. The Fair Value models see upside, but the peer-relative score does not. The verdict depends on which lens you use.
Why it’s interesting this week
The biggest Fair Value gap of the four (+41.2%), the broadest analyst coverage (54), and a model spread whose low end ($251.59) is still above the price.
Risk
Analysts are far more cautious: +18.7% versus +41.2% from the models. Targets range from $165 to $475, and the low target is about 31.4% below the price (calculated). That’s a deeply split Street. Adobe shows a similar model-vs-analyst gap; see our Adobe fair value analysis.
Takeaways
- HIGH uncertainty means a wide range. For Samsung and LG Electronics, read the spread before the average.
- Model vs. analyst direction differs by market. On the two Korean names, analysts are well above the models (Samsung by a wide margin). On the two US names, analysts are below the models.
- Check the low target. LG Electronics, UnitedHealth and Salesforce each have a low analyst target below today’s price; Samsung’s lowest target is above it.
- Momentum is weak on the Korean pair (2/5 for both). Cheap and trending are different things.
Fair Value is a starting point for research, not a price forecast. These figures will change with earnings and estimate revisions. For more Korean value names, see our KOSPI20 ProPicks review for October 2026.
This content is an analysis based on InvestingPro data and is not investment advice. Past performance does not guarantee future results.
Data as of October 18, 2026 (October 16 close). Source: InvestingPro
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