` Comparison: HUM vs UNH - Alpha Spread
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HUM
vs
UNH

Over the past 12 months, HUM has outperformed UNH, delivering a return of -43% compared to the UNH's 47% drop.

Valuation Growth Profitability Solvency Stocks Performance
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HUM
UNH
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Stocks Compared:
HUM UNH
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Valuation Comparison

HUM Intrinsic Value
519.55 EUR
Undervaluation 73%
Intrinsic Value
Price
UNH Intrinsic Value
429.13 USD
Undervaluation 35%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Humana Inc
DUS:HUM
140.65 EUR
UnitedHealth Group Inc
NYSE:UNH
277.5 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
HUM, UNH

HUM
UNH
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Humana Inc
Revenue
UnitedHealth Group Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
HUM, UNH

HUM
UNH
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Humana Inc
DUS:HUM
FCF is not applicable for financial companies
UnitedHealth Group Inc
NYSE:UNH
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HUM
UNH
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
UnitedHealth Group Inc
Not applicable for financial companies

Operating Margin

HUM
UNH
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
UnitedHealth Group Inc
Not applicable for financial companies

Net Margin

HUM
1%
UNH
2.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
UnitedHealth Group Inc

FCF Margin

HUM
UNH
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
UnitedHealth Group Inc
Not applicable for financial companies

ROE

HUM
7.2%
UNH
12.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
UnitedHealth Group Inc

ROA

HUM
2.6%
UNH
4%
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
UnitedHealth Group Inc

ROIC

HUM
UNH
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
UnitedHealth Group Inc
Not applicable for financial companies

ROCE

HUM
UNH
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
UnitedHealth Group Inc
Not applicable for financial companies

Solvency Comparison

Humana Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
UnitedHealth Group Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HUM, UNH

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HUM
UNH
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
HUM, UNH

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HUM
UNH
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HUM, UNH

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UNH
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