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 6.8 times as much as Humana ($364B against $53.3B).
On earnings, UnitedHealth is cheaper: it trades at 26.1× trailing earnings, against 43.0× for Humana.
Humana grew revenue faster over the last twelve months (22.0% versus 6.5% for UnitedHealth).
UnitedHealth keeps more of each dollar of sales as profit, with a net margin of 3.1% compared with 0.81% at Humana.
Both pay dividends: Humana yields 0.60% and UnitedHealth 2.2%.
UnitedHealth scores higher on the StockData Score (11 against 10 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 | $53.3B | $364B |
| Share price | $443.68 | $405.13 |
| Change, 1 year | 82.2% | 23.7% |
| Change, 5 years | 2.0% | −7.9% |
| Beta (5Y) | 0.45 | 0.33 |
| Employees | 67K | 390K |
| StockData Score | ||
| Total score | 10 | 11 (better) |
| Valuation score | 1 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 1 | 2 (better) |
| Health score | 2 | 2 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 43.0× | 26.1× (better) |
| P/S | 0.3× (better) | 0.8× |
| P/B | 2.8× | – |
| EV/EBITDA | 13.5× (better) | 15.9× |
| P/FCF | 17.0× | 15.4× (better) |
| FCF yield | 5.9% | 6.5% (better) |
| Fair value | $297.05 | – |
| Margin of safety | −49.4% | – |
| Growth | ||
| Revenue growth (TTM) | 22.0% (better) | 6.5% |
| Revenue growth, 5Y average | 10.9% | 11.7% (better) |
| Net income growth (TTM) | −3.5% (better) | −33.7% |
| EPS growth (TTM) | −3.6% (better) | −32.7% |
| EPS growth, 5Y average | −17.2% | −3.8% (better) |
| Profitability | ||
| Gross margin | – | 88.6% |
| Operating margin | 1.5% | 4.8% (better) |
| Net margin | 0.81% | 3.1% (better) |
| FCF margin | 2.0% | 5.2% (better) |
| Return on equity | 6.7% | – |
| Return on invested capital | 23.2% | – |
| Financial health | ||
| Debt / equity | 0.66 | – |
| Net debt / EBITDA | −4.17 | 1.61 (better) |
| Interest coverage | 3.2× | 5.6× (better) |
| Current ratio | 1.65 (better) | 0.78 |
| Altman Z-score | 4.74 (better) | 3.11 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.60% | 2.2% (better) |
| Payout ratio | 34.4% | 57.3% |
| Years of dividend growth | 0 | 16 (better) |
| Dividend growth, 5Y average | 7.8% | 12.6% (better) |
| Buyback yield | 0.29% | 0.29% (better) |
| Shareholder yield | 0.88% | 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% | 1.6% |
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.