HRB vs. UNH
HRB (H&R Block, Inc.) and UNH (UnitedHealth Group Incorporated) are both stocks. HRB operates in Personal Services (Consumer Cyclical), while UNH operates in Healthcare Plans (Healthcare). Over the past 10 years, HRB returned 9.53%/yr vs 13.60%/yr for UNH. At a 0.24 correlation, their price movements are largely independent.
Performance
HRB vs. UNH - Performance Comparison
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Returns By Period
In the year-to-date period, HRB achieves a -3.93% return, which is significantly lower than UNH's 31.74% return. Over the past 10 years, HRB has underperformed UNH with an annualized return of 9.53%, while UNH has yielded a comparatively higher 13.60% annualized return.
HRB
- 1D
- 3.21%
- 1M
- 11.88%
- 6M
- -4.67%
- YTD
- -3.93%
- 1Y
- -24.04%
- 3Y*
- 11.39%
- 5Y*
- 15.05%
- 10Y*
- 9.53%
UNH
- 1D
- 1.05%
- 1M
- 5.64%
- 6M
- 27.72%
- YTD
- 31.74%
- 1Y
- 44.88%
- 3Y*
- -1.71%
- 5Y*
- 2.46%
- 10Y*
- 13.60%
HRB vs. UNH - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HRB H&R Block, Inc. | -3.93% | -14.88% | 12.03% | 36.87% | 59.94% | 55.43% | -27.97% | -3.55% | 0.49% | 18.22% |
UNH UnitedHealth Group Incorporated | 31.74% | -33.14% | -2.41% | 0.80% | 6.94% | 45.20% | 21.25% | 20.00% | 14.52% | 39.83% |
Correlation
The correlation between HRB and UNH is 0.15, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.15 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.16 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.23 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.25 |
Correlation (All Time) Calculated using the full available price history since Mar 26, 1990 | 0.24 |
The correlation between HRB and UNH shifts across timeframes, from 0.15 (1 year) to 0.25 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
HRB:
$5.18B
UNH:
$389.68B
HRB:
$2.32
UNH:
$13.23
HRB:
17.61
UNH:
32.44
HRB:
3.48
UNH:
0.87
HRB:
$1.52B
UNH:
$449.71B
HRB:
$766.04M
UNH:
$84.55B
HRB:
-$21.81M
UNH:
$22.99B
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Return for Risk
HRB vs. UNH — Risk / Return Rank
HRB
UNH
HRB vs. UNH - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for H&R Block, Inc. (HRB) and UnitedHealth Group Incorporated (UNH). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| HRB | UNH | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.72 | ||
| Sortino ratioReturn per unit of downside risk | -2.36 | ||
| Omega ratioGain probability vs. loss probability | 0.92 | 1.25 | -0.33 |
| Calmar ratioReturn relative to maximum drawdown | -0.49 | 1.56 | -2.05 |
| Martin ratioReturn relative to average drawdown | -0.85 | 3.65 | -4.50 |
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Drawdowns
HRB vs. UNH - Drawdown Comparison
The maximum HRB drawdown since its inception was -62.08%, smaller than the maximum UNH drawdown of -74.37%. Use the drawdown chart below to compare losses from any high point for HRB and UNH.
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Drawdown Indicators
| HRB | UNH | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -62.08% | -74.37% | +12.29% |
Max Drawdown (1Y)Largest decline over 1 year | -49.05% | -28.96% | -20.09% |
Max Drawdown (3Y)Largest decline over 3 years | -55.54% | -61.39% | +5.85% |
Max Drawdown (5Y)Largest decline over 5 years | -55.54% | -61.39% | +5.85% |
Max Drawdown (10Y)Largest decline over 10 years | -57.72% | -61.39% | +3.67% |
Current DrawdownCurrent decline from peak | -34.32% | -28.46% | -5.86% |
Average DrawdownAverage peak-to-trough decline | -18.68% | -14.80% | -3.88% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 28.39% | 12.42% | +15.97% |
Volatility
HRB vs. UNH - Volatility Comparison
H&R Block, Inc. (HRB) has a higher volatility of 11.33% compared to UnitedHealth Group Incorporated (UNH) at 7.19%. This indicates that HRB's price experiences larger fluctuations and is considered to be riskier than UNH based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HRB | UNH | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.33% | 7.19% | +4.14% |
Volatility (6M)Calculated over the trailing 6-month period | 36.31% | 31.08% | +5.23% |
Volatility (1Y)Calculated over the trailing 1-year period | 41.77% | 39.69% | +2.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 33.16% | 32.00% | +1.16% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.91% | 30.26% | +5.65% |
Dividends
HRB vs. UNH - Dividend Comparison
HRB's dividend yield for the trailing twelve months is around 4.11%, more than UNH's 2.09% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HRB H&R Block, Inc. | 4.11% | 3.65% | 2.63% | 2.52% | 3.07% | 4.54% | 6.56% | 4.39% | 3.90% | 3.59% | 3.74% | 2.40% |
UNH UnitedHealth Group Incorporated | 2.09% | 2.64% | 1.62% | 1.38% | 1.21% | 1.12% | 1.38% | 1.41% | 1.38% | 1.30% | 1.48% | 1.59% |
Financials
HRB vs. UNH - Financials Comparison
This section allows you to compare key financial metrics between H&R Block, Inc. and UnitedHealth Group Incorporated. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
HRB and UNH have a correlation of 0.15, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HRB has higher volatility (11.33%) compared to UNH (7.19%). In terms of maximum drawdown, HRB dropped -62.08% vs UNH's -74.37%.
UNH currently has the higher Sharpe Ratio (1.14 vs -0.58), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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