Humana Inc. (HUM) vs The Kroger Co. (KR)
A side-by-side comparison of Humana Inc. and The Kroger Co. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 28, 2026. Differences are shown without an overall score or investment verdict.
Different business models: HUM is classified in Healthcare; KR is classified in Consumer Defensive. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
HUM
Humana Inc.
$388.71HealthcareDelayed quote: Jul 28, 2026, 4:01 PM EDT
KR
The Kroger Co.
$59.19Consumer DefensiveDelayed quote: Jul 28, 2026, 4:00 PM EDT
Total return — HUM vs KR
growth of $100 · dividends reinvested · last 30yHUM +2489.9%KR +1667.5%HUM compounded faster
HUM KR
HUM vs KR: by the numbers
- •HUM is the larger company ($46.67B vs $36.26B market cap).
- •KR trades at the lower trailing earnings multiple (33.91 vs 40.76 P/E), one valuation lens rather than an overall verdict.
- •HUM converts more revenue to profit (0.82% vs 0.71% net margin).
- •HUM grew revenue faster over the past five years (11.71% vs 2.33% CAGR).
- •KR pays the higher dividend yield (2.41% vs 0.70%).
Metrics side by side
Valuation
| Metric | HUM | KR |
|---|---|---|
| P/E ratio | 40.76 | 33.91 |
| Forward P/E | 42.42 | 12.07 |
| P/S ratio | 0.34 | 0.24 |
| P/B ratio | 2.48 | 5.51 |
| EV / EBITDA | 25.16 | 10.44 |
| FCF yield | 2.77% | 8.09% |
Profitability
| Metric | HUM | KR |
|---|---|---|
| Gross margin | 14.01% | 23.18% |
| Operating margin | 1.01% | 1.33% |
| Net margin | 0.82% | 0.71% |
| ROE | 6.08% | 16.27% |
| ROIC | 3.12% | 4.70% |
Dividends
| Metric | HUM | KR |
|---|---|---|
| Dividend yield | 0.70% | 2.41% |
| Payout ratio | 26.90% | 89.74% |
Growth (annualized)
| Metric | HUM | KR |
|---|---|---|
| Revenue CAGR (5Y) | 11.71% | 2.33% |
| EPS CAGR (5Y) | -17.27% | -13.96% |
| FCF CAGR (5Y) | -17.19% | -1.62% |
| Total return CAGR (5Y) | -1.91% | 10.73% |
Frequently asked
- Which has the lower trailing P/E, HUM or KR?
- KR has the lower trailing P/E: HUM trades at 40.76 and KR at 33.91. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, HUM or KR?
- Over the past five years, HUM grew revenue faster — HUM at a 11.71% CAGR versus KR at 2.33%.
- Does HUM or KR pay a bigger dividend?
- HUM yields 0.70% and KR yields 2.41% based on trailing dividends and the latest price.
- Is HUM or KR more profitable?
- HUM runs the higher net margin — HUM at 0.82% versus KR at 0.71%.
- How have HUM and KR total returns compared?
- Over the past 10 years, HUM delivered 9.18% and KR delivered 7.90% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Humana P/E ratioKroger P/E ratioHumana dividend yieldKroger dividend yieldHumana ROEKroger ROEHumana operating marginKroger operating marginHumana revenue growthKroger revenue growthHumana free cash flowKroger free cash flow
Humana & Kroger appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified July 28, 2026.