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 $360.32B, Humana $49.63B.
- Free-cash-flow yield: UnitedHealth 4.5%, Humana 0.8%.
- Net margin: UnitedHealth 3.1%, Humana 0.8%.
- Operating margin: UnitedHealth 4.8%, Humana 1.8%.
Price return
2025-10-16 → 2026-10-16
HUM+54.6%
UNH+12.5%
Profile
latestSector
Healthcare
Healthcare
Industry
Medical - Healthcare Plans
Medical - Healthcare Plans
Market value
$49.63B
$360.32B
Enterprise value
$58.67B
$405.06B
Employees
67,060
390,000
Revenue per employee (TTM)
$2.0M
$1.2M
Our models
nightlythe valuation on each stock's pagePrice vs model
2% undervalued vs model
19% overvalued vs model
Model range
$246–1240
$198–886
Models in the headline
1
1
FCF growth priced in, at a 10% return
50.1%
14.1%
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 2026-10-16Last close
$413.16
$401.43
52-week high
$433.50
$436.35
52-week low
$163.67
$259.02
Price vs 52-week high
−4.7%
−8.0%
Price vs 52-week low
+152.4%
+55.0%
Average daily volume / shares
1.1%
0.6%
Beta
0.74
0.61
Returns
to 2026-10-161 month
+7.4%
+7.0%
3 months
+6.9%
−5.2%
6 months
+105.8%
+26.9%
Year to date
+61.3%
+21.6%
1 year
+54.6%
+12.5%
1 year, dividends added
+55.6%
+15.1%
2 years
+61.7%
−29.7%
Valuation
HUM price × TTM to Mar 2026 · UNH price × TTM to Jun 2026P/E (TTM)
44.1×
25.8×
P/E on consensus EPS (next FY)
45.1×
19.8×
Price / sales
0.4×
0.8×
EV / sales
0.4×
0.9×
EV / EBITDA
18.8×
15.6×
Price / book
2.7×
—
Price / free cash flow (FY)
132.4×
22.4×
Free-cash-flow yield (FY)
0.8%
4.5%
Growth
TTM and FY2025Revenue growth (TTM)
—
—
Revenue growth, consensus next FY
+25.3%
+0.1%
Revenue, 3-year CAGR
11.8%
11.4%
Revenue, 5-year CAGR
10.9%
11.7%
EPS growth (TTM)
—
—
EPS growth, consensus next FY
−6.9%
+53.5%
EPS, 3-year CAGR
−23.6%
−14.5%
Free cash flow, 3-year CAGR
−52.4%
−11.8%
Diluted shares, 3-year change
−4.9%
−4.1%
Profitability
HUM TTM to Mar 2026 · UNH TTM to Jun 2026Gross margin (FY)†
14.5%
18.5%
Operating margin
1.8%
4.8%
EBITDA margin
2.3%
5.8%
Net margin
0.8%
3.1%
Free-cash-flow margin (FY)
0.3%
3.6%
Return on equity
6.1%
—
Return on assets
2.0%
4.6%
Asset turnover
2.48
1.45
† 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 Mar 2026 · UNH MRQ Jun 2026Cash
$4.95B
$28.59B
Total debt
$13.99B
$73.33B
Net debt
$9.04B
$44.74B
Debt / equity
0.8×
—
Net debt / EBITDA (TTM)
2.9×
1.7×
Interest coverage (FY)
2.3×
4.7×
Current ratio (FY)
0.72
0.79
Dividends
trailing 12 monthsDividend yield
0.6%
2.3%
Dividends per share
$2.66
$9.06
Payout ratio (of TTM EPS)
28.3%
58.2%
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 Mar 2026 · cash flow FY2025 · UNH income TTM to Jun 2026 · cash flow FY2025Revenue
$137.20B
$450.13B
EBITDA
$3.12B
$25.96B
Operating income
$2.44B
$21.68B
Net income
$1.13B
$14.12B
EPS (diluted)
$9.37
$15.58
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 from the companies' SEC filings; 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.