UNH vs. HUM

Last updated Apr 1, 2026

Compare and contrast key facts about UnitedHealth Group Incorporated (UNH) and Humana Inc. (HUM).

Performance

UNH vs. HUM - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in UnitedHealth Group Incorporated (UNH) and Humana Inc. (HUM). The values are adjusted to include any dividend payments, if applicable.

UNH vs. HUM - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UNH UnitedHealth Group Incorporated	-17.39%	-33.14%	-2.41%	0.80%	6.94%	45.20%	21.25%	20.00%	14.52%	39.83%
HUM Humana Inc.	-31.96%	2.36%	-43.96%	-9.94%	11.15%	13.80%	12.71%	28.94%	16.27%	22.60%

Fundamentals

Market Cap UNH : $246.24B HUM : $20.87B
EPS UNH : $15.62 HUM : $9.85
PE Ratio UNH : 17.32 HUM : 17.60
PS Ratio UNH : 0.55 HUM : 0.16
PB Ratio UNH : 2.46 HUM : 1.18
Total Revenue (TTM) UNH : $447.57B HUM : $129.66B
Gross Profit (TTM) UNH : $82.92B HUM : $97.15B
EBITDA (TTM) UNH : $23.19B HUM : $2.92B

Returns By Period

In the year-to-date period, UNH achieves a -17.39% return, which is significantly higher than HUM's -31.96% return. Over the past 10 years, UNH has outperformed HUM with an annualized return of 9.39%, while HUM has yielded a comparatively lower 0.21% annualized return.

UNH

• 1D: 3.36%
• 1M: -7.02%
• YTD: -17.39%
• 6M: -20.50%
• 1Y: -46.88%
• 3Y*: -15.31%
• 5Y*: -4.29%
• 10Y*: 9.39%

HUM

• 1D: 4.45%
• 1M: -8.54%
• YTD: -31.96%
• 6M: -32.79%
• 1Y: -33.44%
• 3Y*: -28.19%
• 5Y*: -15.10%
• 10Y*: 0.21%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

UNH vs. HUM — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UNH

UNH Risk / Return Rank: 12
UNH Sharpe Ratio Rank: 6
UNH Sortino Ratio Rank: 10
UNH Omega Ratio Rank: 6
UNH Calmar Ratio Rank: 15
UNH Martin Ratio Rank: 25

HUM

HUM Risk / Return Rank: 14
HUM Sharpe Ratio Rank: 13
HUM Sortino Ratio Rank: 16
HUM Omega Ratio Rank: 15
HUM Calmar Ratio Rank: 17
HUM Martin Ratio Rank: 11

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

UNH vs. HUM - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for UnitedHealth Group Incorporated (UNH) and Humana Inc. (HUM). 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.

	UNH	HUM	Difference
Sharpe ratio Return per unit of total volatility	-0.92	-0.68	-0.24
Sortino ratio Return per unit of downside risk	-1.15	-0.73	-0.42
Omega ratio Gain probability vs. loss probability	0.81	0.90	-0.08
Calmar ratio Return relative to maximum drawdown	-0.77	-0.71	-0.06
Martin ratio Return relative to average drawdown	-1.02	-1.47	+0.46
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UNH vs. HUM - Sharpe Ratio Comparison

The current UNH Sharpe Ratio is -0.92, which is lower than the HUM Sharpe Ratio of -0.68. The chart below compares the historical Sharpe Ratios of UNH and HUM, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	UNH	HUM	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.92	-0.68	-0.24
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.14	-0.42	+0.28
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.32	0.01	+0.31
Sharpe Ratio (All Time) Calculated using the full available price history	0.60	0.17	+0.44

Correlation

The correlation between UNH and HUM is 0.52, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

UNH vs. HUM - Dividend Comparison

UNH's dividend yield for the trailing twelve months is around 3.27%, more than HUM's 2.04% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
UNH UnitedHealth Group Incorporated	3.27%	2.64%	1.62%	1.38%	1.21%	1.12%	1.38%	1.41%	1.38%	1.30%	1.48%	1.59%
HUM Humana Inc.	2.04%	1.38%	1.40%	0.77%	0.62%	0.60%	0.61%	0.60%	0.70%	0.76%	0.43%	0.64%

Drawdowns

UNH vs. HUM - Drawdown Comparison

The maximum UNH drawdown since its inception was -74.37%, smaller than the maximum HUM drawdown of -85.10%. Use the drawdown chart below to compare losses from any high point for UNH and HUM.

Drawdown Indicators

	UNH	HUM	Difference
Max Drawdown Largest peak-to-trough decline	-74.37%	-85.10%	+10.73%
Max Drawdown (1Y) Largest decline over 1 year	-60.06%	-47.18%	-12.88%
Max Drawdown (5Y) Largest decline over 5 years	-61.39%	-69.92%	+8.53%
Max Drawdown (10Y) Largest decline over 10 years	-61.39%	-69.92%	+8.53%
Current Drawdown Current decline from peak	-55.14%	-67.97%	+12.83%
Average Drawdown Average peak-to-trough decline	-14.63%	-27.01%	+12.38%
Ulcer Index Depth and duration of drawdowns from previous peaks	45.40%	22.71%	+22.69%

Volatility

UNH vs. HUM - Volatility Comparison

The current volatility for UnitedHealth Group Incorporated (UNH) is 7.72%, while Humana Inc. (HUM) has a volatility of 9.86%. This indicates that UNH experiences smaller price fluctuations and is considered to be less risky than HUM based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UNH	HUM	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.72%	9.86%	-2.14%
Volatility (6M) Calculated over the trailing 6-month period	29.34%	38.38%	-9.04%
Volatility (1Y) Calculated over the trailing 1-year period	51.10%	49.52%	+1.58%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	31.26%	36.24%	-4.98%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.84%	34.07%	-4.23%

Financials

UNH vs. HUM - Profitability Comparison

The chart below illustrates the profitability comparison between UnitedHealth Group Incorporated and Humana Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

UNH - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, UnitedHealth Group Incorporated reported a gross profit of 18.49B and revenue of 113.22B. Therefore, the gross margin over that period was 16.3%.

HUM - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Humana Inc. reported a gross profit of 0.00 and revenue of 32.52B. Therefore, the gross margin over that period was 0.0%.

UNH - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, UnitedHealth Group Incorporated reported an operating income of 380.00M and revenue of 113.22B, resulting in an operating margin of 0.3%.

HUM - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Humana Inc. reported an operating income of -808.00M and revenue of 32.52B, resulting in an operating margin of -2.5%.

UNH - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, UnitedHealth Group Incorporated reported a net income of 2.18B and revenue of 113.22B, resulting in a net margin of 1.9%.

HUM - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Humana Inc. reported a net income of -796.00M and revenue of 32.52B, resulting in a net margin of -2.5%.