HUM Stock Analysis: Humana | NYSE
Healthcare Plans | NYSE, USA | Market Cap: 46.084m USD | 12M Return: 64.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 522M
EPS Trend: -87.4%
Qual. Beats: 0
Rev. Trend: 99.5%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Humana Inc. is a U.S.-based health insurance and healthcare services company operating through two main segments: Insurance and CenterWell. The Insurance segment focuses primarily on Medicare Advantage plans, Medicare Part D prescription drug plans, Medicare supplements, and specialty products such as dental and vision coverage, along with administrative services for military personnel through the TRICARE program. The CenterWell segment delivers value-based senior primary care (under the Conviva and CenterWell brands), home health, pharmacy, and hospice services, positioning Humana as a vertically integrated payor-provider focused on aging populations.
As one of the largest pure-play Medicare Advantage insurers in the U.S. Managed Health Care sub-industry, Humana derives the majority of its revenue from government-sponsored health programs, particularly Medicare, which exposes it to regulatory and reimbursement risk tied to CMS policy changes. The companys integrated model combines insurance, primary care, home health, and pharmacy services, aiming to lower total cost of care for seniors while capturing margins across the care continuum.
- CMS Medicare Advantage rate cut pressures 2025 margins
- Star ratings decline reduces quality bonus payments
- CenterWell primary care expansion accelerates value-based care revenue
| Net Income: 1.13b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -2.37 > 1.0 |
| NWC/Revenue: 4.14% < 20% (prev -2.98%; Δ 7.12% < -1%) |
| CFO/TA 0.03 > 3% & CFO 1.84b > Net Income 1.13b |
| Net Debt (-7.97b) to EBITDA (2.85b): -2.80 < 3 |
| Current Ratio: 1.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.7m) vs 12m ago -0.09% < -2% |
| Gross Margin: 14.01% > 18% (prev 15.12%; Δ -1.12% > 0.5%) |
| Asset Turnover: 258.4% > 50% (prev 236.1%; Δ 22.22% > 0%) |
| Interest Coverage Ratio: 3.08 > 6 (EBIT TTM 2.05b / Interest Expense TTM 664.0m) |
| A: 0.10 (Total Current Assets 27.2b - Total Current Liabilities 21.5b) / Total Assets 55.3b |
| B: 0.55 (Retained Earnings 30.2b / Total Assets 55.3b) |
| C: 0.04 (EBIT TTM 2.05b / Avg Total Assets 53.1b) |
| D: 0.51 (Book Value of Equity 18.6b / Total Liabilities 36.6b) |
| Altman-Z'' = 3.24 = A |
| DSRI: 1.03 (Receivables 5.22b/4.46b, Revenue 137b/120b) |
| GMI: 1.08 (GM 15.12% / 14.01%) |
| AQI: 0.60 (AQ_t 0.47 / AQ_t-1 0.78) |
| SGI: 1.14 (Revenue 137b / 120b) |
| TATA: -0.01 (NI 1.13b - CFO 1.84b) / TA 55.3b) |
| Beneish M = -3.07 (Cap -4..+1) = AA |
As of July 02, 2026, the stock is trading at USD 409.42 with a total of 1,689,367 shares traded. Over the past week, the price has changed by +13.48%, over one month by +25.00%, over three months by +131.92% and over the past year by +64.43%.
Current recommended Stop Loss: 394.80 (which is 3.6% or 1.2 ATR below the current price).
Humana has received a consensus analysts rating of 3.58. Therefore, it is recommended to hold HUM.
- StrongBuy: 6
- Buy: 3
- Hold: 17
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 304.3 | -25.7% |
P/E Trailing = 40.9648
P/E Forward = 42.1941
P/S = 0.3359
P/B = 2.4803
P/EG = 2.1742
Revenue TTM = 137b USD
EBIT TTM = 2.05b USD
EBITDA TTM = 2.85b USD
Long Term Debt = 12.3b USD (from longTermDebt, last quarter)
Short Term Debt = 1.72b USD (from shortTermDebt, last quarter)
Debt = 14.0b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -7.97b USD (calculated: Debt 14.0b - CCE 22.0b)
Enterprise Value = 38.1b USD (46.1b + Debt 14.0b - CCE 22.0b)
Interest Coverage Ratio = 3.08 (Ebit TTM 2.05b / Interest Expense TTM 664.0m)
EV/FCF = 29.96x (Enterprise Value 38.1b / FCF TTM 1.27b)
FCF Yield = 3.34% (FCF TTM 1.27b / Enterprise Value 38.1b)
FCF Margin = 0.93% (FCF TTM 1.27b / Revenue TTM 137b)
Net Margin = 0.82% (Net Income TTM 1.13b / Revenue TTM 137b)
Gross Margin = 14.01% ((Revenue TTM 137b - Cost of Revenue TTM 118b) / Revenue TTM)
Gross Margin QoQ = 14.98% (prev 11.67%)
Tobins Q-Ratio = 0.69 (Enterprise Value 38.1b / Total Assets 55.3b)
Interest Expense / Debt = 4.75% (Interest Expense 664.0m / Debt 14.0b)
Taxrate = 17.27% (239.0m / 1.38b)
NOPAT = 1.69b (EBIT 2.05b * (1 - 17.27%))
Current Ratio = 1.26 (Total Current Assets 27.2b / Total Current Liabilities 21.5b)
Debt / Equity = 0.75 (Debt 14.0b / totalStockholderEquity, last quarter 18.6b)
Debt / EBITDA = -2.80 (Net Debt -7.97b / EBITDA 2.85b)
Debt / FCF = -6.27 (Net Debt -7.97b / FCF TTM 1.27b)
Total Stockholder Equity = 18.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.13% (Net Income 1.13b / Total Assets 55.3b)
RoE = 6.19% (Net Income TTM 1.13b / Total Stockholder Equity 18.2b)
RoCE = 6.71% (EBIT 2.05b / Capital Employed (Equity 18.2b + L.T.Debt 12.3b))
RoIC = 5.92% (NOPAT 1.69b / Invested Capital 28.6b)
WACC = 6.59% (E(46.1b)/V(60.1b) * Re(7.40%) + D(14.0b)/V(60.1b) * Rd(4.75%) * (1-Tc(0.17)))
Discount Rate = 7.40% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -50.60 | Cagr: -0.66%
[DCF] Terminal Value 73.10% ; FCFF base≈1.72b ; Y1≈1.50b ; Y5≈1.22b
[DCF] Fair Price = 228.9 (EV 19.5b - Net Debt -7.97b = Equity 27.5b / Shares 120.1m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -87.43 | EPS CAGR: -17.27% | SUE: 0.19 | # QB: 0
Revenue Correlation: 99.54 | Revenue CAGR: 11.51% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-09-30): EPS=-0.17 | Chg30d=-12.60% | Revisions=-20% | Analysts=23
EPS current Year (2026-12-31): EPS=8.84 | Chg30d=+0.06% | Revisions=+50% | GrowthEPS=-48.4% | GrowthRev=+25.2%
EPS next Year (2027-12-31): EPS=15.73 | Chg30d=+1.64% | Revisions=+45% | GrowthEPS=+77.9% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +50%