Humana Inc. (HUM) vs UnitedHealth Group Incorporated (UNH)
UNH leads on 13 of 16 compared metrics.
A side-by-side comparison of Humana Inc. and UnitedHealth Group Incorporated across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 13, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).
Total return — HUM vs UNH
growth of $100 · last 30yHUM +1977.9%UNH +6127.4%UNH compounded faster
HUM UNH
HUM vs UNH: by the numbers
- •UNH is the larger company ($371.00B vs $45.53B market cap).
- •UNH trades at the lower earnings multiple (30.85 vs 40.56 P/E).
- •UNH converts more revenue to profit (2.68% vs 0.82% net margin).
- •HUM grew revenue faster over the past five years (11.71% vs 11.33% CAGR).
- •UNH pays the higher dividend yield (2.16% vs 0.93%).
Which is better, HUM or UNH?
Metric tally: HUM 3 · UNH 13It depends on what you're optimizing for:
ValueUNH(lower P/E)
GrowthHUM(faster 5Y revenue CAGR)
IncomeUNH(higher dividend yield)
QualityUNH(higher ROIC)
Valuation
| Metric | HUM | UNH |
|---|---|---|
| P/E ratio | 40.56 | 30.85● |
| Forward P/E | 23.94 | 19.54● |
| P/S ratio | 0.33● | 0.83 |
| P/B ratio | 2.46● | 3.58 |
| EV / EBITDA | 19.22 | 18.34● |
| FCF yield | 2.78% | 5.29%● |
Profitability
| Metric | HUM | UNH |
|---|---|---|
| Gross margin | 14.01% | 18.80%● |
| Operating margin | 1.01% | 4.19%● |
| Net margin | 0.82% | 2.68%● |
| ROE | 6.08% | 11.59%● |
| ROIC | 3.12% | 8.23%● |
Dividends
| Metric | HUM | UNH |
|---|---|---|
| Dividend yield | 0.93% | 2.16%● |
| Payout ratio | 35.87% | 66.82% |
Growth (annualized)
| Metric | HUM | UNH |
|---|---|---|
| Revenue CAGR (5Y) | 11.71%● | 11.33% |
| EPS CAGR (5Y) | -17.27% | -4.06%● |
| FCF CAGR (5Y) | -17.19% | -3.16%● |
| Total return CAGR (5Y) | -1.01% | 2.28%● |
Frequently asked
- Which is better, HUM or UNH?
- It depends on your goal. value: UNH (lower P/E); growth: HUM (faster 5Y revenue CAGR); income: UNH (higher dividend yield); quality: UNH (higher ROIC). Across all compared metrics, UNH leads 13 to 3.
- Is HUM or UNH cheaper?
- On trailing earnings, UNH is cheaper: HUM trades at a 40.56 P/E and UNH at 30.85.
- Which has grown faster, HUM or UNH?
- Over the past five years, HUM grew revenue faster — HUM at a 11.71% CAGR versus UNH at 11.33%.
- Does HUM or UNH pay a bigger dividend?
- HUM yields 0.93% and UNH yields 2.16% based on trailing dividends and the latest price.
- Is HUM or UNH more profitable?
- UNH runs the higher net margin — HUM at 0.82% versus UNH at 2.68%.
- Which has been the better investment, HUM or UNH?
- Over the past 10-year, UNH delivered the higher annualized total return — HUM at 8.24% versus UNH at 13.20%. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Humana P/E ratioUnitedHealth P/E ratioHumana dividend yieldUnitedHealth dividend yieldHumana ROEUnitedHealth ROEHumana operating marginUnitedHealth operating marginHumana revenue growthUnitedHealth revenue growthHumana free cash flowUnitedHealth free cash flow
Humana & UnitedHealth appear in these rankings
Highest Dividend Yield StocksHighest FCF Yield StocksBest 10-Year Total Return StocksLargest Companies by Market Cap
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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 June 13, 2026.