(HUM) Humana - Ratings and Ratios
Health Insurance, Medicare, Medicaid, Pharmacy Benefits, Supplemental Plans
HUM EPS (Earnings per Share)
HUM Revenue
Description: HUM Humana
Humana Inc. is a leading provider of medical and specialty insurance products in the United States, operating through two main segments: Insurance and CenterWell. The companys diverse offerings include medical care, supplemental benefits, and administrative services for individuals, employer groups, and government programs.
Key aspects of Humanas business include its contracts with the Centers for Medicare and Medicaid Services, state Medicaid programs, and TRICARE. The company also operates a pharmacy benefit manager, owns pharmacies, and runs senior-focused primary care centers, providing a range of healthcare services to its members. Additionally, Humana offers home health, hospice, and other services, both to its health plan members and third-party clients.
From a financial perspective, Humanas revenue streams are diversified across various segments, including Medicare, Medicaid, commercial insurance, and specialty benefits. The companys ability to manage costs, negotiate favorable contracts, and effectively serve its customer base will be crucial to its future performance. Key performance indicators (KPIs) to monitor include the Medical Loss Ratio (MLR), which indicates the percentage of premium revenue spent on medical claims, and the administrative expense ratio, which reflects the companys operational efficiency.
Humanas growth prospects are influenced by trends in the US healthcare industry, including the aging population, the prevalence of chronic diseases, and the ongoing shift towards value-based care. The companys strategic focus on value-based care initiatives, such as its CenterWell segment, and its investments in digital health technologies will be important drivers of its long-term success. Other relevant KPIs include the companys membership growth, revenue per member, and the proportion of revenue derived from value-based care arrangements.
In evaluating Humanas investment potential, it is essential to consider the companys financial performance, operational metrics, and growth prospects in the context of the broader healthcare landscape. By analyzing KPIs such as the P/E ratio, return on equity (RoE), and the companys debt-to-equity ratio, investors can gain a more comprehensive understanding of Humanas valuation, profitability, and financial leverage.
HUM Stock Overview
| Market Cap in USD | 35,946m |
| Sub-Industry | Managed Health Care |
| IPO / Inception | 1993-01-22 |
HUM Stock Ratings
| Growth Rating | -38.1% |
| Fundamental | 58.7% |
| Dividend Rating | 45.8% |
| Return 12m vs S&P 500 | -25.1% |
| Analyst Rating | 3.58 of 5 |
HUM Dividends
| Dividend Yield 12m | 1.25% |
| Yield on Cost 5y | 0.89% |
| Annual Growth 5y | 7.20% |
| Payout Consistency | 53.1% |
| Payout Ratio | 17.8% |
HUM Growth Ratios
| Growth Correlation 3m | 70.7% |
| Growth Correlation 12m | -45.8% |
| Growth Correlation 5y | -43.2% |
| CAGR 5y | -5.29% |
| CAGR/Max DD 5y | -0.09 |
| Sharpe Ratio 12m | 0.30 |
| Alpha | -26.78 |
| Beta | 0.774 |
| Volatility | 32.38% |
| Current Volume | 1099.7k |
| Average Volume 20d | 1316.3k |
| Stop Loss | 294.5 (-3%) |
| Signal | 1.99 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (1.58b TTM) > 0 and > 6% of Revenue (6% = 7.39b TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -1.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 13.32% (prev -12.75%; Δ 26.07pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 2.93b > Net Income 1.58b (YES >=105%, WARN >=100%) |
| Net Debt (8.55b) to EBITDA (3.78b) ratio: 2.26 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.95 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (120.7m) change vs 12m ago 0.07% (target <= -2.0% for YES) |
| Gross Margin 97.29% (prev 88.14%; Δ 9.15pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 245.1% (prev 223.7%; Δ 21.46pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.42 (EBITDA TTM 3.78b / Interest Expense TTM 650.0m) >= 6 (WARN >= 3) |
Altman Z'' 5.41
| (A) 0.33 = (Total Current Assets 33.62b - Total Current Liabilities 17.22b) / Total Assets 50.36b |
| (B) 0.59 = Retained Earnings (Balance) 29.89b / Total Assets 50.36b |
| (C) 0.06 = EBIT TTM 2.87b / Avg Total Assets 50.23b |
| (D) 0.91 = Book Value of Equity 29.14b / Total Liabilities 32.06b |
| Total Rating: 5.41 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.72
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 5.48% = 2.74 |
| 3. FCF Margin 1.98% = 0.50 |
| 4. Debt/Equity 0.69 = 2.27 |
| 5. Debt/Ebitda 3.33 = -2.16 |
| 6. ROIC - WACC 0.42% = 0.53 |
| 7. RoE 9.02% = 0.75 |
| 8. Rev. Trend 93.04% = 4.65 |
| 9. Rev. CAGR 13.62% = 1.70 |
| 10. EPS Trend -10.54% = -0.26 |
| 11. EPS CAGR -23.32% = -2.50 |
What is the price of HUM shares?
Over the past week, the price has changed by +1.39%, over one month by +30.54%, over three months by +32.47% and over the past year by -12.42%.
Is Humana a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HUM is around 299.54 USD . This means that HUM is currently overvalued and has a potential downside of -1.36%.
Is HUM a buy, sell or hold?
- 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 | 291.8 | -3.9% |
| Analysts Target Price | 291.8 | -3.9% |
| ValueRay Target Price | 329 | 8.3% |
Last update: 2025-08-28 04:41
HUM Fundamental Data Overview
CCE Cash And Equivalents = 4.04b USD (last quarter)
P/E Trailing = 22.9019
P/E Forward = 18.9036
P/S = 0.292
P/B = 1.9714
P/EG = 1.017
Beta = 0.448
Revenue TTM = 123.11b USD
EBIT TTM = 2.87b USD
EBITDA TTM = 3.78b USD
Long Term Debt = 12.59b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 12.59b USD (Calculated: Short Term 0.0 + Long Term 12.59b)
Net Debt = 8.55b USD (from netDebt column, last quarter)
Enterprise Value = 44.49b USD (35.95b + Debt 12.59b - CCE 4.04b)
Interest Coverage Ratio = 4.42 (Ebit TTM 2.87b / Interest Expense TTM 650.0m)
FCF Yield = 5.48% (FCF TTM 2.44b / Enterprise Value 44.49b)
FCF Margin = 1.98% (FCF TTM 2.44b / Revenue TTM 123.11b)
Net Margin = 1.28% (Net Income TTM 1.58b / Revenue TTM 123.11b)
Gross Margin = 97.29% ((Revenue TTM 123.11b - Cost of Revenue TTM 3.34b) / Revenue TTM)
Tobins Q-Ratio = 1.53 (Enterprise Value 44.49b / Book Value Of Equity 29.14b)
Interest Expense / Debt = 1.25% (Interest Expense 157.0m / Debt 12.59b)
Taxrate = 24.00% (from yearly Income Tax Expense: 413.0m / 1.72b)
NOPAT = 2.18b (EBIT 2.87b * (1 - 24.00%))
Current Ratio = 1.95 (Total Current Assets 33.62b / Total Current Liabilities 17.22b)
Debt / Equity = 0.69 (Debt 12.59b / last Quarter total Stockholder Equity 18.23b)
Debt / EBITDA = 3.33 (Net Debt 8.55b / EBITDA 3.78b)
Debt / FCF = 5.16 (Debt 12.59b / FCF TTM 2.44b)
Total Stockholder Equity = 17.48b (last 4 quarters mean)
RoA = 3.13% (Net Income 1.58b, Total Assets 50.36b )
RoE = 9.02% (Net Income TTM 1.58b / Total Stockholder Equity 17.48b)
RoCE = 9.55% (Ebit 2.87b / (Equity 17.48b + L.T.Debt 12.59b))
RoIC = 7.24% (NOPAT 2.18b / Invested Capital 30.14b)
WACC = 6.82% (E(35.95b)/V(48.53b) * Re(8.87%)) + (D(12.59b)/V(48.53b) * Rd(1.25%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.57%
Discount Rate = 8.87% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 69.80% ; FCFE base≈2.65b ; Y1≈1.98b ; Y5≈1.17b
Fair Price DCF = 160.3 (DCF Value 19.28b / Shares Outstanding 120.3m; 5y FCF grow -29.97% → 3.0% )
Revenue Correlation: 93.04 | Revenue CAGR: 13.62%
Rev Growth-of-Growth: -3.84
EPS Correlation: -10.54 | EPS CAGR: -23.32%
EPS Growth-of-Growth: 62.99
Additional Sources for HUM Stock
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Fund Manager Positions: Dataroma | Stockcircle