COMP <GO>
HUM vs UNH // 10Y YIELD & FRED MACRO BETA
Humana Inc. (NYSE) VS. UnitedHealth Group Incorporated (NYSE) • 15-METRIC TALLY: HUM 4
— UNH 10
▲ 10Y YIELD & FRED MACRO BETA LEADER: HUM
LAST: $414.50 (-0.73%) • MKT CAP: $50.14B
macro-sensitivity
0.88
LAST: $406.97 (-0.96%) • MKT CAP: $364.66B
macro-sensitivity
0.33
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HUM VS. UNH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HUM | UNH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 88.57% | -47.57 | UNH | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.30% | 11.47% | -3.17 | UNH | /roic <GO> |
| EV/EBITDA & P/E Valuation | 18.4x | 16.4x | +1.95 | UNH | /valuation <GO> |
| Free Cash Flow Yield | 0.75% | 6.48% | -5.73 | UNH | /fcf-yield <GO> |
| Operating Margin | 2.10% | 4.82% | -2.72 | UNH | /operating-margins <GO> |
| Net Profit Margin | 0.90% | 3.14% | -2.24 | UNH | /net-margins <GO> |
| Revenue Growth (YoY) | 10.10% | 6.46% | +3.64 | HUM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.86% | 2.28% | -1.42 | UNH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 5.03 | 3.12 | +1.91 | HUM | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.50% | 6.74% | -0.24 | HUM | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.2 | 56.0 | -3.87 | UNH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.88 | 0.33 | +0.55 | HUM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 39.2x | 17.1x | +22.11 | UNH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $50.14B | $364.66B | -$314.52B | UNH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HUM REV | UNH REV | HUM GROSS % | UNH GROSS % | HUM FCF | UNH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $129.66B | $447.57B | 44.0% | 88.7% | $375.0M | $16.07B |
| FY 2024 | $117.76B | $400.28B | 44.0% | 88.3% | $2.39B | $20.70B |
| FY 2023 | $106.37B | $371.62B | 44.0% | 89.6% | -$805.8M | $25.68B |
| FY 2022 | — | $324.16B | — | 89.6% | — | $23.40B |
| FY 2021 | — | $287.60B | — | 89.2% | — | $19.89B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HUM // BETA 0.88
UNH // BETA 0.33