Humana Inc. (HUM) vs UnitedHealth Group Incorporated (UNH)
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 July 28, 2026. Differences are shown without an overall score or investment verdict.
HUM
Humana Inc.
$388.71HealthcareDelayed quote: Jul 28, 2026, 4:01 PM EDT
UNH
UnitedHealth Group Incorporated
$428.79HealthcareDelayed quote: Jul 28, 2026, 4:00 PM EDT
Total return — HUM vs UNH
growth of $100 · dividends reinvested · last 30yHUM +2547.6%UNH +12902.6%UNH compounded faster
HUM UNH
HUM vs UNH: by the numbers
- •UNH is the larger company ($389.40B vs $46.67B market cap).
- •UNH trades at the lower trailing earnings multiple (26.86 vs 40.76 P/E), one valuation lens rather than an overall verdict.
- •UNH converts more revenue to profit (3.14% vs 0.82% net margin).
- •HUM grew revenue faster over the past five years (11.71% vs 10.59% CAGR).
- •UNH pays the higher dividend yield (2.14% vs 0.70%).
Metrics side by side
Valuation
| Metric | HUM | UNH |
|---|---|---|
| P/E ratio | 40.76 | 26.86 |
| Forward P/E | 42.42 | 21.18 |
| P/S ratio | 0.34 | 0.84 |
| P/B ratio | 2.48 | 3.62 |
| EV / EBITDA | 25.16 | 16.19 |
| FCF yield | 2.77% | 6.24% |
Profitability
| Metric | HUM | UNH |
|---|---|---|
| Gross margin | 14.01% | 22.49% |
| Operating margin | 1.01% | 4.82% |
| Net margin | 0.82% | 3.14% |
| ROE | 6.08% | 13.51% |
| ROIC | 3.12% | 8.23% |
Dividends
| Metric | HUM | UNH |
|---|---|---|
| Dividend yield | 0.70% | 2.14% |
| Payout ratio | 26.90% | 67.65% |
Growth (annualized)
| Metric | HUM | UNH |
|---|---|---|
| Revenue CAGR (5Y) | 11.71% | 10.59% |
| EPS CAGR (5Y) | -17.27% | -4.06% |
| FCF CAGR (5Y) | -17.19% | -4.39% |
| Total return CAGR (5Y) | -1.91% | 1.90% |
Frequently asked
- Which has the lower trailing P/E, HUM or UNH?
- UNH has the lower trailing P/E: HUM trades at 40.76 and UNH at 26.86. P/E is one valuation measure and does not by itself establish which business is cheaper.
- 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 10.59%.
- Does HUM or UNH pay a bigger dividend?
- HUM yields 0.70% and UNH yields 2.14% 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 3.14%.
- How have HUM and UNH total returns compared?
- Over the past 10 years, HUM delivered 9.18% and UNH delivered 13.27% annualized total return. 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 StocksHighest 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 July 28, 2026.