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 September 11, 2026. Differences are shown without an overall score or investment verdict.
HUM
Humana Inc.
$409.85HealthcareDelayed quote: Sep 11, 2026, 4:00 PM EDT
UNH
UnitedHealth Group Incorporated
$379.09HealthcareDelayed quote: Sep 11, 2026, 4:00 PM EDT
Total return — HUM vs UNH
growth of $100 · dividends reinvested · last 10yHUM +148.6% (+9.5%/yr)UNH +235.1% (+12.9%/yr)UNH compounded faster over this window
HUM UNH
HUM vs UNH: by the numbers
- •UNH is the larger company ($344.27B vs $49.21B market cap).
- •UNH trades at the lower trailing earnings multiple (24.38 vs 38.81 P/E), one valuation lens rather than an overall verdict.
- •UNH converts more revenue to profit (3.14% vs 0.88% net margin).
- •HUM grew revenue faster over the past five years (12.61% vs 10.59% CAGR).
- •UNH pays the higher dividend yield (2.28% vs 0.88%).
Metrics side by side
Valuation
| Metric | HUM | UNH |
|---|---|---|
| P/E ratio | 38.81 | 24.38 |
| Forward P/E | 44.77 | 19.18 |
| P/S ratio | 0.34 | 0.76 |
| P/B ratio | 2.56 | 3.50 |
| EV / EBITDA | 20.40 | 14.98 |
| FCF yield | N/A | 6.86% |
Profitability
| Metric | HUM | UNH |
|---|---|---|
| Gross margin | 13.65% | 22.49% |
| Operating margin | 1.39% | 4.82% |
| Net margin | 0.88% | 3.14% |
| ROE | 6.65% | 14.34% |
| ROIC | 4.52% | 9.19% |
Dividends
| Metric | HUM | UNH |
|---|---|---|
| Dividend yield | 0.88% | 2.28% |
| Payout ratio | 33.52% | 57.55% |
Growth (annualized)
| Metric | HUM | UNH |
|---|---|---|
| Revenue CAGR (5Y) | 12.61% | 10.59% |
| EPS CAGR (5Y) | -17.27% | -4.06% |
| FCF CAGR (5Y) | -17.19% | -4.39% |
| Total return CAGR (5Y) | 0.94% | 0.70% |
Frequently asked
- Which has the lower trailing P/E, HUM or UNH?
- UNH has the lower trailing P/E: HUM trades at 38.81 and UNH at 24.38. 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 12.61% CAGR versus UNH at 10.59%.
- Does HUM or UNH pay a bigger dividend?
- HUM yields 0.88% and UNH yields 2.28% based on trailing dividends and the latest price.
- Is HUM or UNH more profitable?
- UNH runs the higher net margin — HUM at 0.88% versus UNH at 3.14%.
- How have HUM and UNH total returns compared?
- Over the past 10 years, HUM delivered 9.46% and UNH delivered 13.19% 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 September 11, 2026.