HUM
Humana Inc.
Medical - Healthcare Plans
Market Cap$29.57B
5Y Perf.-40.0%
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Stock Comparison
HUM vs MOH
Revenue, margins, valuation, and 5-year total return — side by side.
MOH
Molina Healthcare, Inc.
Medical - Healthcare Plans
Market Cap$10.28B
5Y Perf.+6.3%
HUM vs MOH — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | HUM | MOH |
|---|---|---|
| Industry | Medical - Healthcare Plans | Medical - Healthcare Plans |
| Market Cap | $29.57B | $10.28B |
| Revenue (TTM) | $137.20B | $45.08B |
| Net Income (TTM) | $1.13B | $188M |
| Gross Margin | 14.0% | 9.6% |
| Operating Margin | 1.0% | 1.2% |
| Forward P/E | 27.6x | 38.3x |
| Total Debt | $12.94B | $3.95B |
| Cash & Equiv. | $4.20B | $4.25B |
HUM vs MOH — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
HUM
MOH
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Humana Inc. (HUM) | 100 | 60.0 | -40.0% |
| Molina Healthcare, … (MOH) | 100 | 106.3 | +6.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HUM vs MOH
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HUM leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. Molina Healthcare, Inc. is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
HUM
Humana Inc.
The Insurance Pick
HUM carries the broadest edge in this set and is the clearest fit for sleep-well-at-night.
- Lower volatility, beta 0.56, Low D/E 72.9%, current ratio 0.72x
- Lower P/E (27.6x vs 38.3x)
- Lower D/E ratio (72.9% vs 97.1%)
Best for: sleep-well-at-night
MOH
Molina Healthcare, Inc.
The Insurance Pick
MOH is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 11.7%, EPS growth -56.3%, 3Y rev CAGR 12.4%
- 334.0% 10Y total return vs HUM's 59.9%
- Beta -0.04, current ratio 1.69x
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MOH | 11.7% revenue growth vs HUM's 10.1% |
| Value | HUM | Lower P/E (27.6x vs 38.3x) |
| Quality / Margins | MOH | Combined ratio 1.0 vs HUM's 1.0 (lower = better underwriting) |
| Stability / Safety | HUM | Lower D/E ratio (72.9% vs 97.1%) |
| Dividends | HUM | 1.4% yield; the other pay no meaningful dividend |
| Momentum (1Y) | HUM | -0.8% vs MOH's -37.6% |
| Efficiency (ROA) | HUM | 2.2% ROA vs MOH's 1.2%, ROIC 4.1% vs 17.4% |
HUM vs MOH — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
HUM vs MOH — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHUMLAGGINGMOH
MOHMolina Healthcare, In…
2leads
HUMHumana Inc.
2leads
6 Total Categories
CATEGORYLEADERvs MOHMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HUM5/6
Valuation MetricsMultiples, price ratios, and targets
MOH3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HUM5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MOH5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
HUM leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
HUM is the larger business by revenue, generating $137.2B annually — 3.0x MOH's $45.1B. Profitability is closely matched — net margins range from 0.8% (HUM) to 0.4% (MOH). On growth, HUM holds the edge at +23.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | HUMHumana Inc. | MOHMolina Healthcare… |
|---|---|---|
| RevenueTrailing 12 months | $137.2B | $45.1B |
| EBITDAEarnings before interest/tax | $2.2B | $710M |
| Net IncomeAfter-tax profit | $1.1B | $188M |
| Free Cash FlowCash after capex | $1.3B | $251M |
| Gross MarginGross profit ÷ Revenue | +14.0% | +9.6% |
| Operating MarginEBIT ÷ Revenue | +1.0% | +1.2% |
| Net MarginNet income ÷ Revenue | +0.8% | +0.4% |
| FCF MarginFCF ÷ Revenue | +0.9% | +0.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +23.5% | -3.1% |
| EPS Growth (YoY)Latest quarter vs prior year | -4.6% | -95.0% |
HUM leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
MOH leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 22.1x trailing earnings, MOH trades at a 12% valuation discount to HUM's 25.0x P/E. On an enterprise value basis, MOH's 10.2x EV/EBITDA is more attractive than HUM's 16.8x.
| Metric | HUMHumana Inc. | MOHMolina Healthcare… |
|---|---|---|
| Market CapShares × price | $29.6B | $10.3B |
| Enterprise ValueMkt cap + debt − cash | $38.3B | $10.0B |
| Trailing P/EPrice ÷ TTM EPS | 25.03x | 22.13x |
| Forward P/EPrice ÷ next-FY EPS est. | 27.59x | 38.29x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 16.83x | 10.23x |
| Price / SalesMarket cap ÷ Revenue | 0.23x | 0.23x |
| Price / BookPrice ÷ Book value/share | 1.68x | 2.46x |
| Price / FCFMarket cap ÷ FCF | 78.87x | — |
MOH leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
HUM leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
HUM delivers a 6.2% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $4 for MOH. HUM carries lower financial leverage with a 0.73x debt-to-equity ratio, signaling a more conservative balance sheet compared to MOH's 0.97x. On the Piotroski fundamental quality scale (0–9), HUM scores 5/9 vs MOH's 4/9, reflecting solid financial health.
| Metric | HUMHumana Inc. | MOHMolina Healthcare… |
|---|---|---|
| ROE (TTM)Return on equity | +6.2% | +4.4% |
| ROA (TTM)Return on assets | +2.2% | +1.2% |
| ROICReturn on invested capital | +4.1% | +17.4% |
| ROCEReturn on capital employed | +4.0% | +9.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 4 |
| Debt / EquityFinancial leverage | 0.73x | 0.97x |
| Net DebtTotal debt minus cash | $8.7B | -$298M |
| Cash & Equiv.Liquid assets | $4.2B | $4.2B |
| Total DebtShort + long-term debt | $12.9B | $4.0B |
| Interest CoverageEBIT ÷ Interest expense | 3.08x | 2.12x |
HUM leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MOH leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MOH five years ago would be worth $7,490 today (with dividends reinvested), compared to $5,650 for HUM. Over the past 12 months, HUM leads with a -0.8% total return vs MOH's -37.6%. The 3-year compound annual growth rate (CAGR) favors MOH at -12.5% vs HUM's -21.7% — a key indicator of consistent wealth creation.
| Metric | HUMHumana Inc. | MOHMolina Healthcare… |
|---|---|---|
| YTD ReturnYear-to-date | -6.5% | +10.6% |
| 1-Year ReturnPast 12 months | -0.8% | -37.6% |
| 3-Year ReturnCumulative with dividends | -52.1% | -33.1% |
| 5-Year ReturnCumulative with dividends | -43.5% | -25.1% |
| 10-Year ReturnCumulative with dividends | +59.9% | +334.0% |
| CAGR (3Y)Annualised 3-year return | -21.7% | -12.5% |
MOH leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — HUM and MOH each lead in 1 of 2 comparable metrics.
Risk & Volatility
MOH is the less volatile stock with a -0.04 beta — it tends to amplify market swings less than HUM's 0.56 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HUM currently trades 78.1% from its 52-week high vs MOH's 59.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | HUMHumana Inc. | MOHMolina Healthcare… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.56x | -0.04x |
| 52-Week HighHighest price in past year | $315.35 | $333.00 |
| 52-Week LowLowest price in past year | $163.11 | $121.06 |
| % of 52W HighCurrent price vs 52-week peak | +78.1% | +59.3% |
| RSI (14)Momentum oscillator 0–100 | 73.9 | 74.7 |
| Avg Volume (50D)Average daily shares traded | 1.6M | 1.4M |
Evenly matched — HUM and MOH each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates HUM as "Hold" and MOH as "Buy". Consensus price targets imply -0.1% upside for HUM (target: $246) vs -15.9% for MOH (target: $166). HUM is the only dividend payer here at 1.44% yield — a key consideration for income-focused portfolios.
| Metric | HUMHumana Inc. | MOHMolina Healthcare… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $246.00 | $166.09 |
| # AnalystsCovering analysts | 44 | 38 |
| Dividend YieldAnnual dividend ÷ price | +1.4% | — |
| Dividend StreakConsecutive years of raises | 0 | — |
| Dividend / ShareAnnual DPS | $3.56 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.5% | +9.7% |
Insufficient data to determine a leader in this category.
Key Takeaway
HUM leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). MOH leads in 2 (Valuation Metrics, Total Returns). 1 tied.
Best OverallHumana Inc. (HUM)Leads 2 of 6 categories
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HUM vs MOH: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HUM or MOH a better buy right now?
For growth investors, Molina Healthcare, Inc.
(MOH) is the stronger pick with 11. 7% revenue growth year-over-year, versus 10. 1% for Humana Inc. (HUM). Molina Healthcare, Inc. (MOH) offers the better valuation at 22. 1x trailing P/E (38. 3x forward), making it the more compelling value choice. Analysts rate Molina Healthcare, Inc. (MOH) a "Buy" — based on 38 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — HUM or MOH?
On trailing P/E, Molina Healthcare, Inc.
(MOH) is the cheapest at 22. 1x versus Humana Inc. at 25. 0x. On forward P/E, Humana Inc. is actually cheaper at 27. 6x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — HUM or MOH?
Over the past 5 years, Molina Healthcare, Inc.
(MOH) delivered a total return of -25. 1%, compared to -43. 5% for Humana Inc. (HUM). Over 10 years, the gap is even starker: MOH returned +334. 0% versus HUM's +59. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — HUM or MOH?
By beta (market sensitivity over 5 years), Molina Healthcare, Inc.
(MOH) is the lower-risk stock at -0. 04β versus Humana Inc. 's 0. 56β — meaning HUM is approximately -1637% more volatile than MOH relative to the S&P 500. On balance sheet safety, Humana Inc. (HUM) carries a lower debt/equity ratio of 73% versus 97% for Molina Healthcare, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — HUM or MOH?
By revenue growth (latest reported year), Molina Healthcare, Inc.
(MOH) is pulling ahead at 11. 7% versus 10. 1% for Humana Inc. (HUM). On earnings-per-share growth, the picture is similar: Humana Inc. grew EPS -1. 4% year-over-year, compared to -56. 3% for Molina Healthcare, Inc.. Over a 3-year CAGR, MOH leads at 12. 4% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — HUM or MOH?
Molina Healthcare, Inc.
(MOH) is the more profitable company, earning 1. 0% net margin versus 0. 9% for Humana Inc. — meaning it keeps 1. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MOH leads at 1. 7% versus 1. 1% for HUM. At the gross margin level — before operating expenses — HUM leads at 14. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is HUM or MOH more undervalued right now?
On forward earnings alone, Humana Inc.
(HUM) trades at 27. 6x forward P/E versus 38. 3x for Molina Healthcare, Inc. — 10. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HUM: -0. 1% to $246. 00.
08Which pays a better dividend — HUM or MOH?
In this comparison, HUM (1.
4% yield) pays a dividend. MOH does not pay a meaningful dividend and should not be held primarily for income.
09Is HUM or MOH better for a retirement portfolio?
For long-horizon retirement investors, Molina Healthcare, Inc.
(MOH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0. 04), +334. 0% 10Y return). Both have compounded well over 10 years (MOH: +334. 0%, HUM: +59. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between HUM and MOH?
Both stocks operate in the Healthcare sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
HUM pays a dividend while MOH does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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(HUM: 23.5% · MOH: -3.1%)P/E Ratio<
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