HUMANA INC vs Unum Group, two Managed Care stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Humana is scale insurance, five million Medicare Advantage members and a care-delivery arm, currently earning a 0.8% net margin through the sector's worst repricing cycle in a decade; Unum is niche insurance, workplace disability and life, earning 5.9% in actuarial quiet. The niche out-earns the giant on every line this year: returns on equity of 7.2% against 6.1%, with a 19.5 times multiple where Humana's earnings are too thin to price. Unum's 2% dividend edges Humana's 0.9%. The market values Humana at three times Unum's $15B anyway, paying for the franchise position rather than the year. One page prices a trough of a great business; the other, the steady state of a good one.
Comparison updated 2026-07-10.
| Metric | HUM | UNM |
|---|---|---|
| Price | $383.89 | $90.06 |
| Market cap | $46.3B | $14.8B |
| Sector | Managed Care | Managed Care |
| Stage | Growth | Mature |
| P/E | — | 19.5 |
| P/B | 2.48 | 1.36 |
| P/S | 0.34 | 1.11 |
| EV/EBITDA | 17.3 | — |
| Revenue growth | +13.9% | +4.4% |
| Operating margin | 4.4% | — |
| Net margin | 0.8% | 5.9% |
| Return on equity | 6.1% | 7.2% |
| Return on assets | 2.0% | 1.3% |
| Return on invested capital | 5.9% | — |
| FCF yield | 2.8% | 3.6% |
| Dividend yield | 0.9% | 1.9% |
| Debt / equity | 0.75 | 0.35 |
| Current ratio | 1.77 | — |
| Altman Z (solvency) | 4.47 | 0.69 |
| Piotroski F (quality) | 8 / 9 | 9 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.