Humana vs UnitedHealth HUM vs UNH
Humana and UnitedHealth on one sheet: valuation multiples, growth, margins, debt, dividends and returns, each section labelled with the period it covers, from the companies' filings. Add or remove a stock above the sheet; the link holds the set.
What differs most
- Market value: UnitedHealth $368.64B, Humana $50.05B.
- Free-cash-flow yield: UnitedHealth 4.4%, Humana 0.7%.
- Net margin: UnitedHealth 3.5%, Humana 0.9%.
- Operating margin: UnitedHealth 5.3%, Humana 1.4%.
Price return
2025-10-26 → 2026-10-26
HUM+43.5%
UNH+13.3%
Profile
latestSector
Healthcare
Healthcare
Industry
Medical - Healthcare Plans
Medical - Healthcare Plans
Market value
$50.05B
$368.64B
Enterprise value
$57.41B
$417.13B
Employees
67,060
390,000
Revenue per employee (TTM)
$2.2M
$1.2M
Our models
nightlythe valuation on each stock's pagePrice vs model
81% overvalued vs model
31% overvalued vs model
Model range
$124–744
$182–845
Models in the headline
1
1
FCF growth priced in, at a 10% return
50.5%
14.3%
Every model, its assumptions and its range: HUM valuation · UNH valuation. The growth priced in, at any return: HUM reverse DCF · UNH reverse DCF.
Trading
close 2026-10-26Last close
$417.22
$410.70
52-week high
$433.50
$436.35
52-week low
$163.67
$259.02
Price vs 52-week high
−3.8%
−5.9%
Price vs 52-week low
+154.9%
+58.6%
Average daily volume / shares
1.1%
0.6%
Beta
0.74
0.61
Returns
to 2026-10-261 month
+4.8%
+9.1%
3 months
+7.2%
−2.4%
6 months
+93.8%
+15.7%
Year to date
+62.9%
+24.4%
1 year
+43.5%
+13.3%
1 year, dividends added
+44.5%
+15.8%
2 years
+60.0%
−27.3%
Valuation
HUM price × TTM to Jun 2026 · UNH price × TTM to Sep 2026P/E (TTM)
39.4×
23.4×
P/E on consensus EPS (next FY)
45.6×
20.0×
Price / sales
0.3×
0.8×
EV / sales
0.4×
0.9×
EV / EBITDA
18.5×
14.9×
Price / book
2.6×
3.5×
Price / free cash flow (FY)
133.5×
22.9×
Free-cash-flow yield (FY)
0.7%
4.4%
Growth
TTM and FY2025Revenue growth (TTM)
—
—
Revenue growth, consensus next FY
+25.4%
+0.1%
Revenue, 3-year CAGR
11.7%
11.4%
Revenue, 5-year CAGR
10.9%
11.7%
EPS growth (TTM)
—
—
EPS growth, consensus next FY
−6.9%
+55.5%
EPS, 3-year CAGR
−23.6%
−14.5%
Free cash flow, 3-year CAGR
−52.3%
−11.8%
Diluted shares, 3-year change
−4.9%
−4.2%
Profitability
HUM TTM to Jun 2026 · UNH TTM to Sep 2026Gross margin (FY)†
14.5%
18.5%
Operating margin
1.4%
5.3%
EBITDA margin
2.1%
6.2%
Net margin
0.9%
3.5%
Free-cash-flow margin (FY)
0.3%
3.6%
Return on equity
6.7%
15.3%
Return on assets
2.2%
5.1%
Asset turnover
2.55
1.44
† Gross margin (FY): As filed. Companies draw the cost-of-revenue line in different places, so gross margins of two companies in one industry can differ for that reason alone; operating margin does not depend on where the line is drawn.
Balance sheet
HUM MRQ Jun 2026 · UNH MRQ Sep 2026Cash
$6.89B
$25.84B
Total debt
$14.25B
$74.33B
Net debt
$7.35B
$48.49B
Debt / equity
0.7×
0.7×
Net debt / EBITDA (TTM)
2.4×
1.7×
Interest coverage (FY)
2.3×
4.7×
Current ratio (FY)
0.72
0.79
Dividends
trailing 12 monthsDividend yield
0.6%
2.2%
Dividends per share
$2.66
$9.06
Payout ratio (of TTM EPS)
25.1%
51.6%
Dividend per share, 5-year CAGR
−0.5%
10.9%
Frequency
Quarterly
Quarterly
Ownership and activity
last 90 days · latest 13FTracked superinvestors holding (13F)
4
20
Insider open-market buys (Form 4)
$0
$0
Insider sales (Form 4)
$0
$661K
Analyst upgrades
6
0
Analyst downgrades
1
0
Statements
HUM income TTM to Jun 2026 · cash flow FY2025 · UNH income TTM to Sep 2026 · cash flow FY2025Revenue
$145.68B
$449.66B
EBITDA
$3.10B
$27.99B
Operating income
$2.02B
$23.92B
Net income
$1.28B
$15.88B
EPS (diluted)
$10.58
$17.56
Operating cash flow
$921.0M
$19.70B
Capital expenditure
−$546.0M
−$3.62B
Free cash flow
$375.0M
$16.07B
Dividends paid
$430.0M
$7.92B
Statements, prices, dividends and consensus estimates from Financial Modeling Prep; insider trades from Form 4 and holdings from 13F. Refreshed nightly. A comparison of filed numbers, not a recommendation to buy, sell or hold any security.