HUM vs. TEM: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at HUM and TEM, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | HUM | TEM |
|---|---|---|
| Company Name | Humana Inc. | Tempus AI, Inc. |
| Country | United States | United States |
| GICS Sector | Health Care | Health Care |
| GICS Industry | Health Care Providers & Services | Life Sciences Tools & Services |
| Market Capitalization | 28.18 billion USD | 12.05 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | December 31, 1981 | June 14, 2024 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of HUM and TEM by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | HUM | TEM |
|---|---|---|
| 5-Day Price Return | -0.55% | -4.60% |
| 13-Week Price Return | -17.20% | -7.18% |
| 26-Week Price Return | 3.60% | -0.62% |
| 52-Week Price Return | -18.07% | 0.59% |
| Month-to-Date Return | -14.76% | -23.78% |
| Year-to-Date Return | -6.54% | 102.84% |
| 10-Day Avg. Volume | 1.84M | 7.32M |
| 3-Month Avg. Volume | 1.86M | 8.96M |
| 3-Month Volatility | 48.12% | 66.82% |
| Beta | 0.50 | 2.31 |
Profitability
Return on Equity (TTM)
HUM
7.29%
Health Care Providers & Services Industry
- Max
- 24.67%
- Q3
- 15.54%
- Median
- 8.37%
- Q1
- 5.49%
- Min
- -2.09%
HUM’s Return on Equity of 7.29% is on par with the norm for the Health Care Providers & Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
TEM
-67.96%
Life Sciences Tools & Services Industry
- Max
- 23.81%
- Q3
- 11.79%
- Median
- 7.51%
- Q1
- 3.14%
- Min
- -6.95%
TEM has a negative Return on Equity of -67.96%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.
Net Profit Margin (TTM)
HUM
1.02%
Health Care Providers & Services Industry
- Max
- 9.33%
- Q3
- 4.80%
- Median
- 2.90%
- Q1
- 0.93%
- Min
- -3.28%
HUM’s Net Profit Margin of 1.02% is aligned with the median group of its peers in the Health Care Providers & Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
TEM
-18.45%
Life Sciences Tools & Services Industry
- Max
- 33.77%
- Q3
- 17.97%
- Median
- 8.97%
- Q1
- 3.80%
- Min
- -11.89%
TEM has a negative Net Profit Margin of -18.45%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
Operating Profit Margin (TTM)
HUM
2.30%
Health Care Providers & Services Industry
- Max
- 18.35%
- Q3
- 8.71%
- Median
- 5.10%
- Q1
- 2.10%
- Min
- -3.07%
HUM’s Operating Profit Margin of 2.30% is around the midpoint for the Health Care Providers & Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
TEM
-23.00%
Life Sciences Tools & Services Industry
- Max
- 31.55%
- Q3
- 21.26%
- Median
- 14.06%
- Q1
- 8.54%
- Min
- 0.11%
TEM has a negative Operating Profit Margin of -23.00%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
Profitability at a Glance
| Symbol | HUM | TEM |
|---|---|---|
| Return on Equity (TTM) | 7.29% | -67.96% |
| Return on Assets (TTM) | 2.61% | -12.79% |
| Net Profit Margin (TTM) | 1.02% | -18.45% |
| Operating Profit Margin (TTM) | 2.30% | -23.00% |
| Gross Profit Margin (TTM) | -- | 61.73% |
Financial Strength
Current Ratio (MRQ)
HUM
0.01
Health Care Providers & Services Industry
- Max
- 2.00
- Q3
- 1.56
- Median
- 1.28
- Q1
- 0.92
- Min
- 0.01
HUM’s Current Ratio of 0.01 falls into the lower quartile for the Health Care Providers & Services industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
TEM
3.28
Life Sciences Tools & Services Industry
- Max
- 4.76
- Q3
- 2.87
- Median
- 1.75
- Q1
- 1.37
- Min
- 0.57
TEM’s Current Ratio of 3.28 is in the upper quartile for the Life Sciences Tools & Services industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
Debt-to-Equity Ratio (MRQ)
HUM
0.68
Health Care Providers & Services Industry
- Max
- 2.41
- Q3
- 1.39
- Median
- 0.74
- Q1
- 0.46
- Min
- 0.00
HUM’s Debt-to-Equity Ratio of 0.68 is typical for the Health Care Providers & Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
TEM
2.45
Life Sciences Tools & Services Industry
- Max
- 0.95
- Q3
- 0.70
- Median
- 0.45
- Q1
- 0.18
- Min
- 0.00
With a Debt-to-Equity Ratio of 2.45, TEM operates with exceptionally high leverage compared to the Life Sciences Tools & Services industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
Interest Coverage Ratio (TTM)
HUM
3.61
Health Care Providers & Services Industry
- Max
- 14.47
- Q3
- 7.46
- Median
- 4.52
- Q1
- 2.04
- Min
- -4.44
HUM’s Interest Coverage Ratio of 3.61 is positioned comfortably within the norm for the Health Care Providers & Services industry, indicating a standard and healthy capacity to cover its interest payments.
TEM
-14.08
Life Sciences Tools & Services Industry
- Max
- 45.00
- Q3
- 27.84
- Median
- 7.16
- Q1
- 2.12
- Min
- -14.08
TEM has a negative Interest Coverage Ratio of -14.08. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
Financial Strength at a Glance
| Symbol | HUM | TEM |
|---|---|---|
| Current Ratio (MRQ) | 0.01 | 3.28 |
| Quick Ratio (MRQ) | 0.01 | 3.00 |
| Debt-to-Equity Ratio (MRQ) | 0.68 | 2.45 |
| Interest Coverage Ratio (TTM) | 3.61 | -14.08 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
HUM
1.52%
Health Care Providers & Services Industry
- Max
- 5.51%
- Q3
- 2.66%
- Median
- 1.06%
- Q1
- 0.00%
- Min
- 0.00%
HUM’s Dividend Yield of 1.52% is consistent with its peers in the Health Care Providers & Services industry, providing a dividend return that is standard for its sector.
TEM
0.00%
Life Sciences Tools & Services Industry
- Max
- 1.02%
- Q3
- 0.67%
- Median
- 0.32%
- Q1
- 0.00%
- Min
- 0.00%
TEM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio (TTM)
HUM
16.18%
Health Care Providers & Services Industry
- Max
- 187.56%
- Q3
- 81.14%
- Median
- 33.42%
- Q1
- 0.00%
- Min
- 0.00%
HUM’s Dividend Payout Ratio of 16.18% is within the typical range for the Health Care Providers & Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
TEM
0.00%
Life Sciences Tools & Services Industry
- Max
- 97.67%
- Q3
- 61.34%
- Median
- 18.53%
- Q1
- 0.00%
- Min
- 0.00%
TEM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | HUM | TEM |
|---|---|---|
| Dividend Yield (TTM) | 1.52% | 0.00% |
| Dividend Payout Ratio (TTM) | 16.18% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
HUM
21.88
Health Care Providers & Services Industry
- Max
- 48.86
- Q3
- 32.22
- Median
- 21.78
- Q1
- 13.97
- Min
- 8.01
HUM’s P/E Ratio of 21.88 is within the middle range for the Health Care Providers & Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
TEM
--
Life Sciences Tools & Services Industry
- Max
- 78.22
- Q3
- 57.42
- Median
- 34.18
- Q1
- 28.39
- Min
- 1.55
P/E Ratio data for TEM is currently unavailable.
Price-to-Sales Ratio (TTM)
HUM
0.22
Health Care Providers & Services Industry
- Max
- 3.66
- Q3
- 1.64
- Median
- 0.72
- Q1
- 0.27
- Min
- 0.10
In the lower quartile for the Health Care Providers & Services industry, HUM’s P/S Ratio of 0.22 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
TEM
10.69
Life Sciences Tools & Services Industry
- Max
- 10.69
- Q3
- 6.37
- Median
- 4.95
- Q1
- 3.27
- Min
- 1.04
TEM’s P/S Ratio of 10.69 is in the upper echelon for the Life Sciences Tools & Services industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio (MRQ)
HUM
1.69
Health Care Providers & Services Industry
- Max
- 7.33
- Q3
- 4.33
- Median
- 2.48
- Q1
- 1.31
- Min
- 0.65
HUM’s P/B Ratio of 1.69 is within the conventional range for the Health Care Providers & Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
TEM
27.61
Life Sciences Tools & Services Industry
- Max
- 8.12
- Q3
- 5.04
- Median
- 3.94
- Q1
- 2.12
- Min
- 1.13
At 27.61, TEM’s P/B Ratio is at an extreme premium to the Life Sciences Tools & Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | HUM | TEM |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 21.88 | -- |
| Price-to-Sales Ratio (TTM) | 0.22 | 10.69 |
| Price-to-Book Ratio (MRQ) | 1.69 | 27.61 |
| Price-to-Free Cash Flow Ratio (TTM) | 12.67 | -- |