HUM vs. UNH
HUM (Humana Inc.) and UNH (UnitedHealth Group Incorporated) are both stocks. Both operate in the Healthcare Plans industry within the Healthcare sector. Over the past 10 years, HUM returned 8.85%/yr vs 13.06%/yr for UNH. Their 0.52 correlation means they have sometimes moved together and sometimes differently.
Performance
HUM vs. UNH - Performance Comparison
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Returns By Period
In the year-to-date period, HUM achieves a 43.12% return, which is significantly higher than UNH's 27.23% return. Over the past 10 years, HUM has underperformed UNH with an annualized return of 8.85%, while UNH has yielded a comparatively higher 13.06% annualized return.
HUM
- 1D
- -0.76%
- 1M
- -8.29%
- 6M
- 87.79%
- YTD
- 43.12%
- 1Y
- 49.28%
- 3Y*
- -6.26%
- 5Y*
- -2.12%
- 10Y*
- 8.85%
- ALL TIME*
- 9.55%
UNH
- 1D
- -1.68%
- 1M
- -2.58%
- 6M
- 46.38%
- YTD
- 27.23%
- 1Y
- 78.95%
- 3Y*
- -4.45%
- 5Y*
- 1.88%
- 10Y*
- 13.06%
- ALL TIME*
- 22.97%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
HUM Humana Inc. | $603.25M | $586.13M | $541.90M |
| $2.03B | $2.36B | $2.61B |
HUM vs. UNH - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HUM Humana Inc. | 43.12% | 2.36% | -43.96% | -9.94% | 11.15% | 13.80% | 12.71% | 28.94% | 16.27% | 22.60% |
UNH UnitedHealth Group Incorporated | 27.23% | -33.14% | -2.41% | 0.80% | 6.94% | 45.20% | 21.25% | 20.00% | 14.52% | 39.83% |
Correlation
The correlation between HUM and UNH is 0.52, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.52 |
Correlation (3Y) Balances recent behavior with more history. | 0.56 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.62 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.63 |
Correlation (All Time) Calculated using the full available price history since Jan 22, 1993 | 0.52 |
The correlation between HUM and UNH shifts across timeframes, from 0.52 (all time) to 0.63 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
HUM:
$43.67B
UNH:
$376.34B
HUM:
$10.59
UNH:
$15.53
HUM:
34.35
UNH:
26.69
HUM:
0.30
UNH:
0.84
HUM:
2.29
UNH:
3.59
HUM:
$145.68B
UNH:
$450.13B
HUM:
$19.89B
UNH:
$101.21B
HUM:
$3.07B
UNH:
$25.76B
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Return for Risk
HUM vs. UNH — Risk / Return Rank
HUM
UNH
HUM vs. UNH - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Humana Inc. (HUM) 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.
| HUM | UNH | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.86 | ||
| Sortino ratioReturn per unit of downside risk | -0.90 | ||
| Omega ratioGain probability vs. loss probability | 1.22 | 1.36 | -0.14 |
| Calmar ratioReturn relative to maximum drawdown | 1.02 | 2.45 | -1.43 |
| Martin ratioReturn relative to average drawdown | 2.11 | 6.01 | -3.90 |
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Drawdowns
HUM vs. UNH - Drawdown Comparison
The maximum HUM drawdown since its inception was -85.10%, which is greater than UNH's maximum drawdown of -74.37%. Use the drawdown chart below to compare losses from any high point for HUM and UNH.
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Drawdown Indicators
| HUM | UNH | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -85.10% | -74.37% | -10.73% |
Max Drawdown (1Y)Largest decline over 1 year | -47.18% | -28.96% | -18.22% |
Max Drawdown (3Y)Largest decline over 3 years | -67.92% | -61.39% | -6.53% |
Max Drawdown (5Y)Largest decline over 5 years | -69.92% | -61.39% | -8.53% |
Max Drawdown (10Y)Largest decline over 10 years | -69.92% | -61.39% | -8.53% |
Current DrawdownCurrent decline from peak | -32.62% | -30.91% | -1.71% |
Average DrawdownAverage peak-to-trough decline | -27.16% | -14.83% | -12.33% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 22.72% | 11.78% | +10.94% |
Volatility
HUM vs. UNH - Volatility Comparison
Humana Inc. (HUM) has a higher volatility of 10.96% compared to UnitedHealth Group Incorporated (UNH) at 7.40%. This indicates that HUM'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
| HUM | UNH | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.96% | 7.40% | +3.56% |
Volatility (6M)Calculated over the trailing 6-month period | 30.16% | 21.69% | +8.47% |
Volatility (1Y)Calculated over the trailing 1-year period | 48.41% | 38.68% | +9.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 37.77% | 32.06% | +5.71% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.49% | 30.31% | +4.18% |
Dividends
HUM vs. UNH - Dividend Comparison
HUM's dividend yield for the trailing twelve months is around 0.97%, less than UNH's 2.16% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HUM Humana Inc. | 0.97% | 1.38% | 1.40% | 0.77% | 0.62% | 0.60% | 0.61% | 0.60% | 0.70% | 0.76% | 0.43% | 0.64% |
UNH UnitedHealth Group Incorporated | 2.16% | 2.64% | 1.62% | 1.38% | 1.21% | 1.12% | 1.38% | 1.41% | 1.38% | 1.30% | 1.48% | 1.59% |
Financials
HUM vs. UNH - Financials Comparison
This section allows you to compare key financial metrics between Humana 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
HUM vs. UNH - Profitability Comparison
HUM - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Humana Inc. reported a gross profit of 5.50B and revenue of 40.87B. Therefore, the gross margin over that period was 13.5%.
UNH - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, UnitedHealth Group Incorporated reported a gross profit of 36.67B and revenue of 112.03B. Therefore, the gross margin over that period was 32.7%.
HUM - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Humana Inc. reported an operating income of 1.36B and revenue of 40.87B, resulting in an operating margin of 3.3%.
UNH - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, UnitedHealth Group Incorporated reported an operating income of 7.99B and revenue of 112.03B, resulting in an operating margin of 7.1%.
HUM - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Humana Inc. reported a net income of 693.00M and revenue of 40.87B, resulting in a net margin of 1.7%.
UNH - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, UnitedHealth Group Incorporated reported a net income of 5.48B and revenue of 112.03B, resulting in a net margin of 4.9%.
Frequently Asked Questions
HUM and UNH have a correlation of 0.52, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HUM has higher volatility (10.96%) compared to UNH (7.40%). In terms of maximum drawdown, HUM dropped -85.10% vs UNH's -74.37%.
UNH currently has the higher Sharpe Ratio (1.86 vs 1.00), 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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