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Elevance Health, Inc. (ELV) vs Humana Inc. (HUM)

Elevance Health, Inc. and Humana Inc. are both Healthcare Plans companies. Elevance Health, Inc. is the larger, with a market value of $93.3B against $49.5B — 1.9× the size. Elevance Health, Inc. trades at the lower P/E: 18.2× against 41.9×. Humana Inc. grew revenue faster over the last twelve months: 22.0% against 3.60%. Elevance Health, Inc. has the higher net margin (2.55% vs 0.81%) and the lower return on invested capital (12.8% vs 23.7%). Both pay a dividend; Elevance Health, Inc. yields more (1.61% vs 0.81%). Across the 23 metrics below, Elevance Health, Inc. leads on 14 and Humana Inc. on 9.

Valuation

Metric ELV HUM Healthcare Plans median
P/E 18.17 41.91 22.50
P/S 0.46 0.34 0.40
P/B 2.06 2.77 2.77
Price to free cash flow 14.16 16.51 14.76
EV/EBITDA 9.27 12.61 12.61
EV/Sales 0.42 0.26 0.36
Earnings yield 5.50% 2.39% 3.79%
Free cash flow yield 7.06% 6.06% 6.62%

Profitability

Metric ELV HUM Healthcare Plans median
Gross margin 15.47% 13.01% 19.35%
Operating margin 3.81% 1.54% 2.48%
Net margin 2.55% 0.81% 1.45%
Free cash flow margin 3.23% 2.42% 3.26%
Return on equity 11.56% 6.65% 13.58%
Return on assets 4.10% 2.33% 3.11%
Return on invested capital 12.76% 23.68% 5.93%

Growth

Metric ELV HUM Healthcare Plans median
Revenue growth (TTM) 3.60% 22.02% 6.77%
EPS growth (last fiscal year) (1.83%) (1.40%) (8.27%)
Revenue growth, 5-year CAGR 10.32% 10.94% 11.88%
Net income growth, 5-year CAGR 4.37% (18.81%) 0.00%

Health

Metric ELV HUM Healthcare Plans median
Debt to equity 0.69 0.66 0.67
Current ratio 1.47 1.65 1.32
Net debt to EBITDA (0.44) (2.14) 0.05

Dividend

Metric ELV HUM Healthcare Plans median
Dividend yield 1.61% 0.81% 2.11%
Payout ratio 0.29 0.34 0.31

Size

Metric ELV HUM Healthcare Plans median
Market cap 93.34b 49.45b 24.02b

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