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.

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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.

Total returnHUM vs KR

growth of $100 · dividends reinvested · last 30y
HUM +2489.9%KR +1667.5%HUM compounded faster
01k2k3kStart $100200120062011201620212026$2,590$1,767
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

MetricHUMKR
P/E ratio40.7633.91
Forward P/E42.4212.07
P/S ratio0.340.24
P/B ratio2.485.51
EV / EBITDA25.1610.44
FCF yield2.77%8.09%

Profitability

MetricHUMKR
Gross margin14.01%23.18%
Operating margin1.01%1.33%
Net margin0.82%0.71%
ROE6.08%16.27%
ROIC3.12%4.70%

Dividends

MetricHUMKR
Dividend yield0.70%2.41%
Payout ratio26.90%89.74%

Growth (annualized)

MetricHUMKR
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.

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.