Humana vs UnitedHealth
HUM and UNH side by side, both in accident and health insurance and medical. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HUM and UNH compare
UnitedHealth is the larger company, worth 7.3 times as much as Humana ($365B against $49.8B).
On earnings, UnitedHealth is cheaper: it trades at 26.2× trailing earnings, against 39.1× for Humana.
Humana grew revenue faster over the last twelve months (18.3% versus 6.5% for UnitedHealth).
UnitedHealth keeps more of each dollar of sales as profit, with a net margin of 3.1% compared with 0.88% at Humana.
Both pay dividends: Humana yields 0.64% and UnitedHealth 2.2%.
UnitedHealth scores higher on the StockData Score (11 against 9 for Humana), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HUM | UNH |
|---|---|---|
| Size and price | ||
| Market cap | $49.8B | $365B |
| Share price | $414.50 | $406.97 |
| Change, 1 year | 41.6% | 14.6% |
| Change, 5 years | −8.6% | −10.7% |
| Beta (5Y) | 0.46 | 0.32 |
| Employees | 67K | 390K |
| StockData Score | ||
| Total score | 9 | 11 (better) |
| Valuation score | 1 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 1 | 2 (better) |
| Health score | 1 | 2 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 39.1× | 26.2× (better) |
| P/S | 0.3× (better) | 0.8× |
| P/B | 2.6× | – |
| EV/EBITDA | 12.0× (better) | 15.9× |
| P/FCF | 25.5× | 15.5× (better) |
| FCF yield | 3.9% | 6.5% (better) |
| Fair value | $295.47 | – |
| Margin of safety | −40.3% | – |
| Growth | ||
| Revenue growth (TTM) | 18.3% (better) | 6.5% |
| Revenue growth, 5Y average | 10.9% | 11.7% (better) |
| Net income growth (TTM) | −18.8% (better) | −33.7% |
| EPS growth (TTM) | −18.8% (better) | −32.7% |
| EPS growth, 5Y average | −17.2% | −3.8% (better) |
| Profitability | ||
| Gross margin | – | 88.6% |
| Operating margin | 1.9% | 4.8% (better) |
| Net margin | 0.88% | 3.1% (better) |
| FCF margin | 1.3% | 5.2% (better) |
| Return on equity | 6.8% | – |
| Return on invested capital | 23.4% | – |
| Financial health | ||
| Debt / equity | 0.74 | – |
| Net debt / EBITDA | −2.86 | 1.61 (better) |
| Interest coverage | 3.8× | 5.6× (better) |
| Current ratio | 1.74 (better) | 0.78 |
| Altman Z-score | 4.60 (better) | 3.12 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.64% | 2.2% (better) |
| Payout ratio | 33.6% | 57.3% |
| Years of dividend growth | 0 | 16 (better) |
| Dividend growth, 5Y average | 7.8% | 12.6% (better) |
| Buyback yield | 0.30% (better) | 0.28% |
| Shareholder yield | 0.94% | 2.5% (better) |
| Ownership | ||
| Held by institutions | 98.6% | 87.7% |
| Held by insiders | 0.33% | 0.18% |
| Insider net buying, 12 months | $150K (better) | −$945K |
| Superinvestors holding | 2 | 8 (better) |
| Short interest, % of float | 2.3% | 1.8% |
Go deeper
- HUM stock overview
- HUM income statement
- HUM valuation and score
- UNH stock overview
- UNH income statement
- UNH valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.