COMP <GO>
UNH vs HUM // ALTMAN Z-SCORE & DEBT/EQUITY
UnitedHealth Group Incorporated (NYSE) VS. Humana Inc. (NYSE) • 15-METRIC TALLY: UNH 9
— HUM 3
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: HUM
LAST: $400.44 (-1.60%) • MKT CAP: $359.43B
balance-sheet
3.09
LAST: $410.41 (-0.99%) • MKT CAP: $49.28B
balance-sheet
5.03
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UNH VS. HUM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UNH | HUM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 88.31% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.38% | 8.30% | +4.08 | UNH | /roic <GO> |
| EV/EBITDA & P/E Valuation | 15.3x | 18.4x | -3.13 | UNH | /valuation <GO> |
| Free Cash Flow Yield | 6.25% | 0.75% | +5.50 | UNH | /fcf-yield <GO> |
| Operating Margin | 5.32% | 2.10% | +3.22 | UNH | /operating-margins <GO> |
| Net Profit Margin | 3.53% | 0.90% | +2.63 | UNH | /net-margins <GO> |
| Revenue Growth (YoY) | 3.33% | 10.10% | -6.77 | HUM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.29% | 0.86% | +1.43 | UNH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 3.09 | 5.03 | -1.94 | HUM | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.00% | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.1 | 49.0 | +6.10 | UNH | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.33 | 0.88 | -0.55 | HUM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.7x | 39.2x | -21.46 | UNH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $359.43B | $49.28B | $310.15B | UNH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UNH REV | HUM REV | UNH GROSS % | HUM GROSS % | UNH FCF | HUM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $447.57B | $129.66B | 88.7% | — | $16.07B | $375.0M |
| FY 2024 | $400.28B | $117.76B | 88.3% | — | $20.70B | $2.39B |
| FY 2023 | $371.62B | $106.37B | 89.6% | — | $25.68B | -$805.8M |
| FY 2022 | $324.16B | — | 89.6% | — | $23.40B | — |
| FY 2021 | $287.60B | — | 89.2% | — | $19.89B | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UNH // BETA 0.33
HUM // BETA 0.88