Overview Dividends

(HUM) Humana - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4448591028

Health Plans, Medicare, Medicaid, Supplemental

Managed Health Care
Market Cap in USD: 30,806m

IPO / Inception: 1993-01-22
Return 12m vs S&P 500: -11.3%

EPS (Earnings per Share)

EPS CAGR: 29.19%
EPS Trend: -13.4%

Last SUE: 0.51
Qual. Beats: 0

Revenue

Rev. CAGR: 12.41%
Rev. Trend: 95.0%

Last SUE: 0.75
Qual. Beats: 0

Dividends

Dividend Yield	1.28%
Yield on Cost 5y	0.85%
Yield CAGR 5y	6.04%
Payout Consistency	54.9%
Payout Ratio	18.7%

Risk via 5d forecast
Volatility	54.8%
Value at Risk 5%th	65.5%
Relative Tail Risk	-27.42%

Reward TTM
Sharpe Ratio	0.24
Alpha	-2.42
CAGR/Max DD	-0.29

Character TTM
Hurst Exponent	0.516
Beta	0.363
Beta Downside	0.578

Drawdowns 3y
Max DD	57.88%
Mean DD	31.81%
Median DD	34.86%

Description: HUM Humana December 17, 2025

Humana Inc. (NYSE:HUM) operates two primary segments-Insurance and CenterWell-offering a broad suite of medical, specialty, and supplemental health plans to individuals and employer groups across the United States. The firm administers Medicare-Advantage and Medicaid contracts, including the Limited Income Newly Eligible Transition (LINET) prescription-drug program, and provides ancillary services such as pharmacy-benefit management, senior-focused primary-care centers, home health, hospice, and TRICARE military health services.

Key metrics highlight Humana’s scale and growth: 2023 total revenue reached roughly $92 billion, with Medicare Advantage enrollment surpassing 21 million members (up ~7% YoY), and a medical loss ratio of about 84%, reflecting efficient cost management. Sector-wide drivers-an aging U.S. population, rising Medicare Advantage penetration, and regulatory pressure on drug pricing-continue to shape Humana’s earnings outlook.

For a deeper, data-driven dive into HUM’s valuation dynamics, you may find ValueRay’s analytical platform worth exploring.

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (1.29b TTM) > 0 and > 6% of Revenue (6% = 7.58b TTM)

FCFTA 0.03 (>2.0%) and ΔFCFTA 11.80pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 13.11% (prev 12.35%; Δ 0.77pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.04 (>3.0%) and CFO 2.04b > Net Income 1.29b (YES >=105%, WARN >=100%)

Net Debt (7.25b) to EBITDA (3.20b) ratio: 2.27 <= 3.0 (WARN <= 3.5)

Current Ratio 2.02 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (120.8m) change vs 12m ago 0.01% (target <= -2.0% for YES)

Gross Margin 1.35% (prev 88.39%; Δ -87.04pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 253.4% (prev 230.0%; Δ 23.43pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 3.59 (EBITDA TTM 3.20b / Interest Expense TTM 649.0m) >= 6 (WARN >= 3)

Altman Z'' 5.46

(A) 0.33 = (Total Current Assets 32.75b - Total Current Liabilities 16.18b) / Total Assets 49.72b

(B) 0.60 = Retained Earnings (Balance) 29.98b / Total Assets 49.72b

(D) 0.94 = Book Value of Equity 29.35b / Total Liabilities 31.14b

Total Rating: 5.46 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 65.47

1. Piotroski 5.50pt

2. FCF Yield 4.06%

3. FCF Margin 1.22%

4. Debt/Equity 0.68

5. Debt/Ebitda 2.27

6. ROIC - WACC (= 3.05)%

7. RoE 7.29%

8. Rev. Trend 95.04%

9. EPS Trend -13.40%

What is the price of HUM shares?

As of January 09, 2026, the stock is trading at USD 277.57 with a total of 707,939 shares traded.
Over the past week, the price has changed by +4.95%, over one month by +8.63%, over three months by -6.55% and over the past year by +4.97%.

Is HUM a buy, sell or hold?

Humana has received a consensus analysts rating of 3.58. Therefor, it is recommend to hold HUM.

Strong Buy: 6
Buy: 3
Hold: 17
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the HUM price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	287.8	3.7%
Analysts Target Price	287.8	3.7%
ValueRay Target Price	259.4	-6.6%

HUM Fundamental Data Overview January 03, 2026

Market Cap USD = 30.81b (30.81b USD * 1.0 USD.USD)
P/E Trailing = 23.9822
P/E Forward = 19.0114
P/S = 0.2438
P/B = 1.6632
P/EG = 1.0223
Beta = 0.466
Revenue TTM = 126.36b USD
EBIT TTM = 2.33b USD
EBITDA TTM = 3.20b USD
Long Term Debt = 12.61b USD (from longTermDebt, last quarter)
Short Term Debt = 577.0m USD (from shortTermDebt, last fiscal year)
Debt = 12.64b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.25b USD (from netDebt column, last quarter)
Enterprise Value = 38.06b USD (30.81b + Debt 12.64b - CCE 5.39b)
Interest Coverage Ratio = 3.59 (Ebit TTM 2.33b / Interest Expense TTM 649.0m)
FCF Yield = 4.06% (FCF TTM 1.55b / Enterprise Value 38.06b)
FCF Margin = 1.22% (FCF TTM 1.55b / Revenue TTM 126.36b)
Net Margin = 1.02% (Net Income TTM 1.29b / Revenue TTM 126.36b)
Gross Margin = 1.35% ((Revenue TTM 126.36b - Cost of Revenue TTM 124.66b) / Revenue TTM)
Gross Margin QoQ = 0.41% (prev 2.29%)
Tobins Q-Ratio = 0.77 (Enterprise Value 38.06b / Total Assets 49.72b)
Interest Expense / Debt = 1.33% (Interest Expense 168.0m / Debt 12.64b)
Taxrate = -79.63% (out of range, set to none) (-86.0m / 108.0m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 2.02 (Total Current Assets 32.75b / Total Current Liabilities 16.18b)
Debt / Equity = 0.68 (Debt 12.64b / totalStockholderEquity, last quarter 18.52b)
Debt / EBITDA = 2.27 (Net Debt 7.25b / EBITDA 3.20b)
Debt / FCF = 4.69 (Net Debt 7.25b / FCF TTM 1.55b)
Total Stockholder Equity = 17.72b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.60% (Net Income 1.29b / Total Assets 49.72b)
RoE = 7.29% (Net Income TTM 1.29b / Total Stockholder Equity 17.72b)
RoCE = 7.67% (EBIT 2.33b / Capital Employed (Equity 17.72b + L.T.Debt 12.61b))
RoIC = 8.27% (EBIT 2.33b / (Assets 49.72b - Curr.Liab 16.18b - Cash 5.39b))
WACC = 5.21% (E(30.81b)/V(43.45b) * Re(7.35%) + (debt cost/tax rate unavailable))
Discount Rate = 7.35% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -0.69%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈1.55b ; Y1≈1.02b ; Y5≈464.5m
Fair Price DCF = 75.91 (DCF Value 9.13b / Shares Outstanding 120.3m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -13.40 | EPS CAGR: 29.19% | SUE: 0.51 | # QB: 0
Revenue Correlation: 95.04 | Revenue CAGR: 12.41% | SUE: 0.75 | # QB: 0
EPS next Quarter (2026-03-31): EPS=10.64 | Chg30d=-0.054 | Revisions Net=+1 | Analysts=19
EPS next Year (2026-12-31): EPS=12.45 | Chg30d=-0.311 | Revisions Net=-5 | Growth EPS=-27.0% | Growth Revenue=+11.4%

Additional Sources for HUM Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle