HUM vs. PEN: Humana vs. Penumbra Stock Comparison

November 11, 2026

How do Humana (HUM) and Penumbra (PEN) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Humana (HUM) and Penumbra (PEN) both fall under the Health Care Equipment & Services industry group, but HUM is classified in Health Care Providers & Services while PEN is classified in Health Care Equipment & Supplies.

Company profile comparison for Humana (HUM) and Penumbra (PEN)
Profile Item	HUM	PEN
Name	Humana Inc.	Penumbra Inc.
Country/Region	United States	United States
GICS Sector	Health Care	Health Care
GICS Industry Group	Health Care Equipment & Services	Health Care Equipment & Services
GICS Industry	Health Care Providers & Services	Health Care Equipment & Supplies
GICS Sub-Industry	Managed Health Care	Health Care Equipment
Market Capitalization	52.09 billion USD	12.58 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	December 31, 1981	September 18, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

HUM

PEN

GSPC

Humana (HUM) vs. Penumbra (PEN), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Humana (HUM) and Penumbra (PEN). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Humana (HUM) and Penumbra (PEN). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Humana (HUM) and Penumbra (PEN)
Metric	HUM	PEN
Total Return (1Y)	75.62%	20.52%
Total Return (3Y, Annualized)	-2.91%	20.38%
Total Return (5Y, Annualized)	0.40%	3.15%

Risk Profile

Drawdown History

HUM

PEN

GSPC

Humana (HUM) vs. Penumbra (PEN), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Humana (HUM) and Penumbra (PEN). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Humana (HUM) and Penumbra (PEN)
Metric	HUM	PEN
Volatility (1Y, Annualized)	45.95%	19.78%
Beta (5Y)	0.62	0.68
Max Drawdown (5Y)	-69.92%	-59.60%
Avg. Volume (3M)	1.26M	348.64K

Risk-Adjusted Performance

Risk-Return Positioning

HUM and PEN are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Humana (HUM) and Penumbra (PEN)
Metric	HUM	PEN
Sharpe Ratio (1Y)	1.55	0.82
Sortino Ratio (1Y)	2.28	1.56

Profitability

ROE (TTM)

Both Humana (HUM) at 6.74% and Penumbra (PEN) at 10.67% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

HUM

Health Care Equipment & Services industry group

6.74%

Max: 47.61%
Q3: 14.36%
HUM: 6.74%
Median: 5.45%
Q1: -10.67%
Min: -47.01%

PEN

Health Care Equipment & Services industry group

10.67%

Max: 47.61%
Q3: 14.36%
PEN: 10.67%
Median: 5.45%
Q1: -10.67%
Min: -47.01%

Humana (HUM) vs. Penumbra (PEN): A comparison of their ROE against the Health Care Equipment & Services industry group benchmark.

Net Margin (TTM)

Penumbra (PEN) at 10.06% retains a top-quartile share of revenue as profit, ahead of Humana (HUM) at 0.81%, which keeps about the industry-typical share.

HUM

Health Care Equipment & Services industry group

0.81%

Max: 29.35%
Q3: 9.33%
Median: 2.18%
HUM: 0.81%
Q1: -6.29%
Min: -28.46%

PEN

Health Care Equipment & Services industry group

10.06%

Max: 29.35%
PEN: 10.06%
Q3: 9.33%
Median: 2.18%
Q1: -6.29%
Min: -28.46%

Humana (HUM) vs. Penumbra (PEN): A comparison of their net margin against the Health Care Equipment & Services industry group benchmark.

Operating Margin (TTM)

Both Humana (HUM) at 0.24% and Penumbra (PEN) at 12.37% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

HUM

Health Care Equipment & Services industry group

0.24%

Max: 35.43%
Q3: 14.14%
Median: 6.81%
HUM: 0.24%
Q1: -0.28%
Min: -16.29%

PEN

Health Care Equipment & Services industry group

12.37%

Max: 35.43%
Q3: 14.14%
PEN: 12.37%
Median: 6.81%
Q1: -0.28%
Min: -16.29%

Humana (HUM) vs. Penumbra (PEN): A comparison of their operating margin against the Health Care Equipment & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Humana (HUM) and Penumbra (PEN)
Metric	HUM	PEN
ROE (TTM)	6.74%	10.67%
ROA (TTM)	3.24%	6.28%
Net Margin (TTM)	0.81%	10.06%
Operating Margin (TTM)	0.24%	12.37%
Gross Margin (TTM)	13.01%	67.99%

Growth

Revenue Growth

Both Humana (HUM) at 10.11% and Penumbra (PEN) at 17.50% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Humana (HUM) vs. Penumbra (PEN): A comparison of their Revenue Growth across different time periods.

EPS Growth

Penumbra (PEN) at 1,155.56% clears its industry range for EPS growth, a much stronger earnings trajectory than Humana (HUM) at -1.40%, which is closer to a typical peer reading.

Humana (HUM) vs. Penumbra (PEN): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Humana (HUM) and Penumbra (PEN)
Metric	HUM	PEN
Revenue Growth (YoY)	10.11%	17.50%
Revenue Growth (3Y CAGR)	11.77%	18.33%
EPS Growth (YoY)	-1.40%	1,155.56%
EPS Growth (3Y CAGR)	-23.62%	--

Financial Strength

Current Ratio (MRQ)

Humana (HUM) at 1.65 keeps current ratio within its industry’s typical mid-range, while Penumbra (PEN) at 5.89 sits above its industry’s typical mid-range — comfortable liquidity, though possibly with more idle current assets relative to peers.

HUM

Health Care Equipment & Services industry group

1.65

Max: 7.59
Q3: 4.00
Median: 1.98
HUM: 1.65
Q1: 1.37
Min: 0.30

PEN

Health Care Equipment & Services industry group

5.89

Max: 7.59
PEN: 5.89
Q3: 4.00
Median: 1.98
Q1: 1.37
Min: 0.30

Humana (HUM) vs. Penumbra (PEN): A comparison of their current ratio against the Health Care Equipment & Services industry group benchmark.

Debt / Equity (MRQ)

Penumbra (PEN) at 0.13 keeps leverage in the lower industry quartile, while Humana (HUM) at 0.68 runs a more typical debt-to-equity mix.

HUM

Health Care Equipment & Services industry group

0.68

Max: 1.88
Q3: 0.91
HUM: 0.68
Median: 0.58
Q1: 0.16
Min: 0.00

PEN

Health Care Equipment & Services industry group

0.13

Max: 1.88
Q3: 0.91
Median: 0.58
Q1: 0.16
PEN: 0.13
Min: 0.00

Humana (HUM) vs. Penumbra (PEN): A comparison of their debt-to-equity ratio against the Health Care Equipment & Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Humana (HUM) and Penumbra (PEN)
Metric	HUM	PEN
Current Ratio (MRQ)	1.65	5.89
Debt / Equity (MRQ)	0.68	0.13
Net Debt / EBITDA	-4.10	-2.22

Dividends

Dividend Yield (TTM)

Penumbra (PEN) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Humana (HUM) reports a yield of 0.21%, ranking against industry peers normally.

HUM

Health Care Equipment & Services industry group

0.21%

HUM: 0.21%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

PEN

Health Care Equipment & Services industry group

0.00%

PEN: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Humana (HUM) vs. Penumbra (PEN): A comparison of their dividend yield against the Health Care Equipment & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Penumbra (PEN) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Humana (HUM) reports a payout of 34.54%, ranking against industry peers normally.

HUM

Health Care Equipment & Services industry group

34.54%

HUM: 34.54%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

PEN

Health Care Equipment & Services industry group

0.00%

PEN: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Humana (HUM) vs. Penumbra (PEN): A comparison of their payout ratio against the Health Care Equipment & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Humana (HUM) and Penumbra (PEN)
Metric	HUM	PEN
Dividend Yield (TTM)	0.21%	0.00%
Dividend Payout Ratio (TTM)	34.54%	0.00%

Valuation

P/E Ratio (TTM)

Humana (HUM) at 42.32 is near its industry’s usual P/E ratio, while Penumbra (PEN) at 80.41 sits in the richer quartile — PEN needs stronger growth or earnings quality to justify the premium.

HUM

Health Care Equipment & Services industry group

42.32

Max: 80.41
Q3: 47.62
HUM: 42.32
Median: 29.93
Q1: 21.19
Min: 4.21

PEN

Health Care Equipment & Services industry group

80.41

PEN: 80.41
Max: 80.41
Q3: 47.62
Median: 29.93
Q1: 21.19
Min: 4.21

Humana (HUM) vs. Penumbra (PEN): A comparison of their P/E ratio against the Health Care Equipment & Services industry group benchmark.

P/S Ratio (TTM)

Humana (HUM) at 0.34 looks cheap on sales in the lower P/S ratio quartile, while Penumbra (PEN) at 8.06 looks rich in the upper quartile — a clear gap in price per dollar of revenue.

HUM

Health Care Equipment & Services industry group

0.34

Max: 8.80
Q3: 4.32
Median: 2.13
Q1: 1.10
HUM: 0.34
Min: 0.03

PEN

Health Care Equipment & Services industry group

8.06

Max: 8.80
PEN: 8.06
Q3: 4.32
Median: 2.13
Q1: 1.10
Min: 0.03

Humana (HUM) vs. Penumbra (PEN): A comparison of their P/S ratio against the Health Care Equipment & Services industry group benchmark.

P/B Ratio (MRQ)

Humana (HUM) at 2.77 is valued about in line with its industry on P/B ratio, while Penumbra (PEN) at 7.95 carries an above-peer premium to book — PEN is pricier on assets.

HUM

Health Care Equipment & Services industry group

2.77

Max: 11.68
Q3: 6.12
Median: 3.00
HUM: 2.77
Q1: 1.73
Min: -1.31

PEN

Health Care Equipment & Services industry group

7.95

Max: 11.68
PEN: 7.95
Q3: 6.12
Median: 3.00
Q1: 1.73
Min: -1.31

Humana (HUM) vs. Penumbra (PEN): A comparison of their P/B ratio against the Health Care Equipment & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Humana (HUM) and Penumbra (PEN)
Metric	HUM	PEN
P/E Ratio (TTM)	42.32	80.41
P/S Ratio (TTM)	0.34	8.06
P/B Ratio (MRQ)	2.77	7.95
Free Cash Flow Yield (TTM)	6.27%	1.32%