(HUM) Humana - Overview
Sector: Healthcare | Industry: Healthcare Plans | Exchange: NYSE (USA) | Market Cap: 36.633m USD | Total Return: 21% in 12m
Medicare Insurance, Prescription Coverage, Primary Care, Home Health
Total Rating 60
Safety 88
Buy Signal 0.90
Healthcare Plans
Industry Rotation: +15.6
Industry Rotation: +15.6
Market Cap:
36.6B
Avg Turnover: 523M
Avg Turnover: 523M
Risk 3d forecast
Volatility75.6%
VaR 5th Pctl9.09%
VaR vs Median-45.7%
Reward TTM
Sharpe Ratio0.55
Rel. Str. IBD83.1
Rel. Str. Peer Group80.2
Character TTM
Beta0.515
Beta Downside0.715
Hurst Exponent0.561
Drawdowns 3y
Max DD67.92%
CAGR/Max DD-0.22
CAGR/Mean DD-0.39
EPS (Earnings per Share)
EPS CAGR: -21.27%
EPS Trend: -86.3%
EPS Trend: -86.3%
Last SUE: 0.09
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 11.51%
Rev. Trend: 99.5%
Rev. Trend: 99.5%
Last SUE: 0.69
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Supp Ema8, Confidence
Description: HUM Humana
Humana Inc. is a Louisville-based managed healthcare company primarily focused on the Medicare market. The company operates through two distinct segments: Insurance and CenterWell. The Insurance division provides Medicare Advantage, prescription drug plans, and supplemental insurance, alongside administrative services for military personnel. The CenterWell segment utilizes a value-based care model, integrating primary care centers, home health services, and pharmacy solutions to manage patient outcomes directly.
The managed care sector relies heavily on government reimbursement rates, as Medicare Advantage accounts for the vast majority of Humanas premium revenue. By shifting toward a value-based model, the company aims to lower long-term costs by improving the health quality of its senior member base rather than relying solely on fee-for-service volume. Further metrics on Humana’s capital allocation and valuation are available on ValueRay for deeper analysis.
Founded in 1961, the company has evolved from a nursing home operator into one of the largest private health insurers in the United States. Its current strategy emphasizes the integration of clinical services with insurance coverage to capture more of the healthcare delivery value chain.
- Medicare Advantage star ratings volatility impacts federal bonus payments and member retention
- Rising medical loss ratios driven by increased senior healthcare utilization compress margins
- Federal reimbursement rate updates from CMS dictate annual revenue growth and profitability
- Expansion of CenterWell primary care clinics improves internal value-based care outcomes
- Regulatory changes to Medicare risk adjustment models threaten long-term earnings per share growth
Piotroski VR‑10 (Strict)
4.5
| 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 0.15%; Δ 1.39k% > 0.5%) |
| Asset Turnover: 258.4% > 50% (prev 236.1%; Δ 22.22% > 0%) |
| Interest Coverage Ratio: 3.08 > 6 (EBITDA TTM 2.85b / Interest Expense TTM 664.0m) |
Altman Z''
3.56
| A: 0.10 (Total Current Assets 27.18b - Total Current Liabilities 21.51b) / Total Assets 55.28b |
| B: 0.55 (Retained Earnings 30.15b / Total Assets 55.28b) |
| C: 0.04 (EBIT TTM 2.05b / Avg Total Assets 53.10b) |
| D: 0.80 (Book Value of Equity 29.45b / Total Liabilities 36.63b) |
| Altman-Z'' Score: 3.56 = A |
Beneish M
-3.08
| DSRI: 1.03 (Receivables 5.22b/4.46b, Revenue 137.20b/120.26b) |
| GMI: 1.08 (GM 14.01% / 15.12%) |
| AQI: 0.60 (AQ_t 0.47 / AQ_t-1 0.78) |
| SGI: 1.14 (Revenue 137.20b / 120.26b) |
| TATA: -0.01 (NI 1.13b - CFO 1.84b) / TA 55.28b) |
| Beneish M-Score: -3.08 (Cap -4..+1) = AA |
What is the price of HUM shares?
As of May 21, 2026, the stock is trading at USD 304.10 with a total of 1,593,964 shares traded.
Over the past week, the price has changed by -0.25%, over one month by +44.58%, over three months by +61.01% and over the past year by +20.99%.
Over the past week, the price has changed by -0.25%, over one month by +44.58%, over three months by +61.01% and over the past year by +20.99%.
Is HUM a buy, sell or hold?
Humana has received a consensus analysts rating of 3.58.
Therefor, it is recommend to hold HUM.
- StrongBuy: 6
- Buy: 3
- Hold: 17
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HUM price?
| Analysts Target Price | 246.7 | -18.9% |
Humana (HUM) - Fundamental Data Overview
as of 16 May 2026
P/E Trailing = 32.5635 P/E Forward = 30.2115
P/S = 0.267
P/B = 1.7768
P/EG = 1.5575
Revenue TTM = 137.20b USD
EBIT TTM = 2.05b USD
EBITDA TTM = 2.85b USD
Long Term Debt = 12.27b USD (from longTermDebt, last quarter)
Short Term Debt = 1.72b USD (from shortTermDebt, last quarter)
Debt = 13.99b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -7.97b USD (recalculated: Debt 13.99b - CCE 21.96b)
Enterprise Value = 28.66b USD (36.63b + Debt 13.99b - CCE 21.96b)
Interest Coverage Ratio = 3.08 (Ebit TTM 2.05b / Interest Expense TTM 664.0m)
EV/FCF = 22.53x (Enterprise Value 28.66b / FCF TTM 1.27b)
FCF Yield = 4.44% (FCF TTM 1.27b / Enterprise Value 28.66b)
FCF Margin = 0.93% (FCF TTM 1.27b / Revenue TTM 137.20b)
Net Margin = 0.82% (Net Income TTM 1.13b / Revenue TTM 137.20b)
Gross Margin = 14.01% ((Revenue TTM 137.20b - Cost of Revenue TTM 117.98b) / Revenue TTM)
Gross Margin QoQ = 14.98% (prev 11.67%)
Tobins Q-Ratio = 0.52 (Enterprise Value 28.66b / Total Assets 55.28b)
Interest Expense / Debt = 1.38% (Interest Expense 193.0m / Debt 13.99b)
Taxrate = 25.02% (395.0m / 1.58b)
NOPAT = 1.54b (EBIT 2.05b * (1 - 25.02%))
Current Ratio = 1.26 (Total Current Assets 27.18b / Total Current Liabilities 21.51b)
Debt / Equity = 0.75 (Debt 13.99b / totalStockholderEquity, last quarter 18.58b)
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 = 18.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.13% (Net Income 1.13b / Total Assets 55.28b)
RoE = 6.19% (Net Income TTM 1.13b / Total Stockholder Equity 18.25b)
RoCE = 6.71% (EBIT 2.05b / Capital Employed (Equity 18.25b + L.T.Debt 12.27b))
RoIC = 4.93% (NOPAT 1.54b / Invested Capital 31.14b)
WACC = 5.92% (E(36.63b)/V(50.63b) * Re(7.79%) + D(13.99b)/V(50.63b) * Rd(1.38%) * (1-Tc(0.25)))
Discount Rate = 7.79% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -50.60 | Cagr: -0.66%
[DCF] Terminal Value 80.82% ; FCFF base≈1.72b ; Y1≈1.13b ; Y5≈515.1m
[DCF] Fair Price = 202.6 (EV 16.35b - Net Debt -7.97b = Equity 24.32b / Shares 120.1m; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -86.27 | EPS CAGR: -21.27% | SUE: 0.09 | # QB: 0
Revenue Correlation: 99.54 | Revenue CAGR: 11.51% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=6.62 | Chg30d=+45.37% | Revisions=+75% | Analysts=24
EPS next Quarter (2026-09-30): EPS=-0.12 | Chg30d=-117.22% | Revisions=-50% | Analysts=24
EPS current Year (2026-12-31): EPS=8.83 | Chg30d=-2.37% | Revisions=+4% | GrowthEPS=-48.5% | GrowthRev=+25.4%
EPS next Year (2027-12-31): EPS=15.34 | Chg30d=+1.48% | Revisions=+39% | GrowthEPS=+73.6% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +75%