HUM vs UNH: stock comparison and AI forecast
Humana Inc (HUM) and Unitedhealth Group Inc (UNH) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
HUM Humana Inc
- Market Cap
- $52.17B
- P/E Ratio
- 42.2x
- Size
- large-cap
- AI Forecast
UNH Unitedhealth Group Inc
- Price
- $394.15 +6.6% · 6M
- Market Cap
- $353.79B
- P/E Ratio
- 22.5x
- Size
- mega-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- UNH is 6.8 times larger than HUM by market capitalization ($353.79B against $52.17B).
- UNH trades at 22.5 times trailing earnings, HUM at 42.1 times.
- UNH turns 3.5% of its revenue into net income, against 0.8% for HUM.
- UNH carries 2.11 times debt per unit of equity, against 2.04 times for HUM.
- UNH yields 2.31% in dividends and HUM 0.82%.
- Both companies share the SEC industry classification Hospital & Medical Service Plans.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | HUM | UNH |
|---|---|---|
| Market Cap | $52.17B | $353.79B |
| P/E Ratio | 42.15x | 22.46x |
| P/B Ratio | 2.77x | 3.61x |
| Dividend Yield | 0.82% | 2.31% |
| EPS | $10.29 | $17.55 |
| Book Value/Share | $156.50 | $109.29 |
| Revenue/Share | $1281.77 | $500.96 |
| FCF/Share | $26.10 | $25.43 |
Profitability & Margins
| Metric | HUM | UNH |
|---|---|---|
| ROE | 6.6% | 16.2% |
| ROA | 2.2% | 5.1% |
| ROIC | 7.2% | 12.2% |
| Gross Margin | – | 88.3% |
| Operating Margin | 1.5% | 5.3% |
| Net Margin | 0.8% | 3.5% |
| EBT Margin | 1.1% | 4.4% |
| Tax Rate | 25.4% | 15.5% |
Financial Health
| Metric | HUM | UNH |
|---|---|---|
| Current Ratio | 1.65x | 0.74x |
| D/E Ratio | 2.04x | 2.11x |
| Financial Leverage | 3.04x | 3.19x |
| Interest Coverage | 0.4x | 6.8x |
| Working Capital | $15.56B | -$30.24B |
Cash Flow
| Metric | HUM | UNH |
|---|---|---|
| Operating Cash Flow | $3.73B | $26.20B |
| Free Cash Flow | $3.14B | $22.83B |
| Capital Spending | -$592M | -$3.37B |
| OCF Growth YoY | 82.4% | 25.0% |
| FCF Growth YoY | 102.9% | 31.4% |
| FCF/Sales | 2.0% | 5.1% |
| CapEx/Sales | 0.4% | 0.8% |
Operational Efficiency
| Metric | HUM | UNH |
|---|---|---|
| Asset Turnover | 2.69x | 1.44x |
| Receivables Turnover | 53.8x | 21.9x |
| Fixed Assets Turnover | 74.5x | 41.1x |
| Days Sales Outstanding | 7 days | 17 days |
Income Statement
| Metric | HUM | UNH |
|---|---|---|
| Total Revenue | $154.19B | $449.66B |
| Operating Income | $2.38B | $23.92B |
| Net Income | $1.25B | $15.88B |
| SG&A Expense | $17.04B | $61.02B |
| Cost of Goods Sold | – | $52.59B |
Dividend & Shareholder Information
| Metric | HUM | UNH |
|---|---|---|
| Dividends Per Share | $3.57 | $9.10 |
| Payout Ratio | 34.7% | 51.9% |
| Shares Outstanding | 120M | 898M |
| Net Income Growth | -3.5% | -9.7% |
| EPS Growth | -3.8% | -8.4% |
HUM vs UNH: stock comparison and AI forecast
Which is bigger, HUM or UNH?
UNH is 6.8 times larger than HUM by market capitalization ($353.79B against $52.17B).
Which is cheaper on earnings, HUM or UNH?
UNH trades at 22.5 times trailing earnings, HUM at 42.1 times.
Which one does Intratio's AI model rank higher, HUM or UNH?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.