(HUM) Humana - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US4448591028
Stock: Health Insurance, Pharmacy, Senior Care, Home Health
Total Rating 33
Risk 90
Buy Signal -1.01
| Risk 5d forecast | |
|---|---|
| Volatility | 62.0% |
| Relative Tail Risk | -25.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.57 |
| Alpha | -42.24 |
| Character TTM | |
|---|---|
| Beta | 0.398 |
| Beta Downside | 0.447 |
| Drawdowns 3y | |
|---|---|
| Max DD | 66.39% |
| CAGR/Max DD | -0.42 |
EPS (Earnings per Share)
Revenue
Description: HUM Humana March 04, 2026
Humana Inc. is a US-based managed healthcare company. It operates in two segments: Insurance and CenterWell.
The Insurance segment provides various medical and specialty insurance products. This includes Medicare Advantage plans, a common offering in the US healthcare market where private companies administer Medicare benefits. It also offers prescription drug plans, Medicare supplements, and ancillary insurance like dental and vision. Additionally, this segment provides administrative services for military healthcare and operates as a pharmacy benefit manager.
The CenterWell segment focuses on healthcare services delivery. This includes primary care centers for seniors, a management services organization, home health services, and post-acute care management. This vertically integrated approach is a growing trend in the healthcare sector, aiming to control costs and improve patient outcomes. The segment also includes pharmacy and hospice solutions.
Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky. To delve deeper into Humanas financial health and market position, continue your research on ValueRay.
Headlines to watch out for
- Medicare Advantage enrollment growth boosts premium revenue
- Healthcare costs impact insurance segment profitability
- Government reimbursement rates influence Medicare segment
- CenterWell expansion drives integrated care delivery revenue
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 1.19b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -4.38 > 1.0 |
| NWC/Revenue: 12.64% < 20% (prev 5.26%; Δ 7.37% < -1%) |
| CFO/TA 0.02 > 3% & CFO 921.0m > Net Income 1.19b |
| Net Debt (8.17b) to EBITDA (2.91b): 2.81 < 3 |
| Current Ratio: 2.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.3m) vs 12m ago -0.35% < -2% |
| Gross Margin: 14.54% > 18% (prev 0.15%; Δ 1439 % > 0.5%) |
| Asset Turnover: 271.9% > 50% (prev 253.4%; Δ 18.50% > 0%) |
| Interest Coverage Ratio: 3.30 > 6 (EBITDA TTM 2.91b / Interest Expense TTM 631.0m) |
Altman Z'' 5.39
| A: 0.34 (Total Current Assets 32.73b - Total Current Liabilities 16.35b) / Total Assets 48.91b |
| B: 0.59 (Retained Earnings 29.07b / Total Assets 48.91b) |
| C: 0.04 (EBIT TTM 2.08b / Avg Total Assets 47.69b) |
| D: 0.91 (Book Value of Equity 28.48b / Total Liabilities 31.17b) |
| Altman-Z'' Score: 5.39 = AAA |
Beneish M -3.08
| DSRI: 1.10 (Receivables 3.27b/2.70b, Revenue 129.66b/117.76b) |
| GMI: 1.00 (GM 14.54% / 14.52%) |
| AQI: 0.65 (AQ_t 0.29 / AQ_t-1 0.44) |
| SGI: 1.10 (Revenue 129.66b / 117.76b) |
| TATA: 0.01 (NI 1.19b - CFO 921.0m) / TA 48.91b) |
| Beneish M-Score: -3.08 (Cap -4..+1) = AA |
What is the price of HUM shares?
As of March 10, 2026, the stock is trading at USD 178.53 with a total of 1,744,725 shares traded.
Over the past week, the price has changed by -4.67%, over one month by -5.78%, over three months by -28.45% and over the past year by -27.95%.
Over the past week, the price has changed by -4.67%, over one month by -5.78%, over three months by -28.45% and over the past year by -27.95%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 223.9 | 25.4% |
| Analysts Target Price | 223.9 | 25.4% |
HUM Fundamental Data Overview March 07, 2026
P/E Trailing = 18.6148
P/E Forward = 17.0648
P/S = 0.1681
P/B = 1.2506
P/EG = 0.9025
Revenue TTM = 129.66b USD
EBIT TTM = 2.08b USD
EBITDA TTM = 2.91b USD
Long Term Debt = 12.37b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 12.37b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.17b USD (from netDebt column, last quarter)
Enterprise Value = 29.97b USD (21.80b + Debt 12.37b - CCE 4.20b)
Interest Coverage Ratio = 3.30 (Ebit TTM 2.08b / Interest Expense TTM 631.0m)
EV/FCF = 79.91x (Enterprise Value 29.97b / FCF TTM 375.0m)
FCF Yield = 1.25% (FCF TTM 375.0m / Enterprise Value 29.97b)
FCF Margin = 0.29% (FCF TTM 375.0m / Revenue TTM 129.66b)
Net Margin = 0.92% (Net Income TTM 1.19b / Revenue TTM 129.66b)
Gross Margin = 14.54% ((Revenue TTM 129.66b - Cost of Revenue TTM 110.81b) / Revenue TTM)
Gross Margin QoQ = 11.67% (prev 14.27%)
Tobins Q-Ratio = 0.61 (Enterprise Value 29.97b / Total Assets 48.91b)
Interest Expense / Debt = 1.18% (Interest Expense 146.0m / Debt 12.37b)
Taxrate = 17.21% (250.0m / 1.45b)
NOPAT = 1.73b (EBIT 2.08b * (1 - 17.21%))
Current Ratio = 2.00 (Total Current Assets 32.73b / Total Current Liabilities 16.35b)
Debt / Equity = 0.70 (Debt 12.37b / totalStockholderEquity, last quarter 17.66b)
Debt / EBITDA = 2.81 (Net Debt 8.17b / EBITDA 2.91b)
Debt / FCF = 21.78 (Net Debt 8.17b / FCF TTM 375.0m)
Total Stockholder Equity = 18.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.49% (Net Income 1.19b / Total Assets 48.91b)
RoE = 6.59% (Net Income TTM 1.19b / Total Stockholder Equity 18.04b)
RoCE = 6.85% (EBIT 2.08b / Capital Employed (Equity 18.04b + L.T.Debt 12.37b))
RoIC = 5.61% (NOPAT 1.73b / Invested Capital 30.76b)
WACC = 5.06% (E(21.80b)/V(34.17b) * Re(7.38%) + D(12.37b)/V(34.17b) * Rd(1.18%) * (1-Tc(0.17)))
Discount Rate = 7.38% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -0.87%
[DCF] Terminal Value 80.82% ; FCFF base≈1.18b ; Y1≈775.5m ; Y5≈353.8m
[DCF] Fair Price = 25.75 (EV 11.27b - Net Debt 8.17b = Equity 3.11b / Shares 120.6m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -45.09 | EPS CAGR: -56.52% | SUE: -3.22 | # QB: 0
Revenue Correlation: 94.43 | Revenue CAGR: 8.47% | SUE: 0.50 | # QB: 0
EPS next Quarter (2026-06-30): EPS=4.52 | Chg7d=-0.039 | Chg30d=-0.841 | Revisions Net=-8 | Analysts=22
EPS current Year (2026-12-31): EPS=9.66 | Chg7d=-0.078 | Chg30d=-2.451 | Revisions Net=-20 | Growth EPS=-43.6% | Growth Revenue=+22.1%
EPS next Year (2027-12-31): EPS=15.76 | Chg7d=-0.058 | Chg30d=-3.592 | Revisions Net=-12 | Growth EPS=+63.1% | Growth Revenue=+7.0%
[Analyst] Revisions Ratio: -0.57 (3 Up / 11 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.6% (Discount Rate 7.9% - Earnings Yield 5.4%)
[Growth] Growth Spread = +19.8% (Analyst 22.4% - Implied 2.6%)
P/E Forward = 17.0648
P/S = 0.1681
P/B = 1.2506
P/EG = 0.9025
Revenue TTM = 129.66b USD
EBIT TTM = 2.08b USD
EBITDA TTM = 2.91b USD
Long Term Debt = 12.37b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 12.37b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.17b USD (from netDebt column, last quarter)
Enterprise Value = 29.97b USD (21.80b + Debt 12.37b - CCE 4.20b)
Interest Coverage Ratio = 3.30 (Ebit TTM 2.08b / Interest Expense TTM 631.0m)
EV/FCF = 79.91x (Enterprise Value 29.97b / FCF TTM 375.0m)
FCF Yield = 1.25% (FCF TTM 375.0m / Enterprise Value 29.97b)
FCF Margin = 0.29% (FCF TTM 375.0m / Revenue TTM 129.66b)
Net Margin = 0.92% (Net Income TTM 1.19b / Revenue TTM 129.66b)
Gross Margin = 14.54% ((Revenue TTM 129.66b - Cost of Revenue TTM 110.81b) / Revenue TTM)
Gross Margin QoQ = 11.67% (prev 14.27%)
Tobins Q-Ratio = 0.61 (Enterprise Value 29.97b / Total Assets 48.91b)
Interest Expense / Debt = 1.18% (Interest Expense 146.0m / Debt 12.37b)
Taxrate = 17.21% (250.0m / 1.45b)
NOPAT = 1.73b (EBIT 2.08b * (1 - 17.21%))
Current Ratio = 2.00 (Total Current Assets 32.73b / Total Current Liabilities 16.35b)
Debt / Equity = 0.70 (Debt 12.37b / totalStockholderEquity, last quarter 17.66b)
Debt / EBITDA = 2.81 (Net Debt 8.17b / EBITDA 2.91b)
Debt / FCF = 21.78 (Net Debt 8.17b / FCF TTM 375.0m)
Total Stockholder Equity = 18.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.49% (Net Income 1.19b / Total Assets 48.91b)
RoE = 6.59% (Net Income TTM 1.19b / Total Stockholder Equity 18.04b)
RoCE = 6.85% (EBIT 2.08b / Capital Employed (Equity 18.04b + L.T.Debt 12.37b))
RoIC = 5.61% (NOPAT 1.73b / Invested Capital 30.76b)
WACC = 5.06% (E(21.80b)/V(34.17b) * Re(7.38%) + D(12.37b)/V(34.17b) * Rd(1.18%) * (1-Tc(0.17)))
Discount Rate = 7.38% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -0.87%
[DCF] Terminal Value 80.82% ; FCFF base≈1.18b ; Y1≈775.5m ; Y5≈353.8m
[DCF] Fair Price = 25.75 (EV 11.27b - Net Debt 8.17b = Equity 3.11b / Shares 120.6m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -45.09 | EPS CAGR: -56.52% | SUE: -3.22 | # QB: 0
Revenue Correlation: 94.43 | Revenue CAGR: 8.47% | SUE: 0.50 | # QB: 0
EPS next Quarter (2026-06-30): EPS=4.52 | Chg7d=-0.039 | Chg30d=-0.841 | Revisions Net=-8 | Analysts=22
EPS current Year (2026-12-31): EPS=9.66 | Chg7d=-0.078 | Chg30d=-2.451 | Revisions Net=-20 | Growth EPS=-43.6% | Growth Revenue=+22.1%
EPS next Year (2027-12-31): EPS=15.76 | Chg7d=-0.058 | Chg30d=-3.592 | Revisions Net=-12 | Growth EPS=+63.1% | Growth Revenue=+7.0%
[Analyst] Revisions Ratio: -0.57 (3 Up / 11 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.6% (Discount Rate 7.9% - Earnings Yield 5.4%)
[Growth] Growth Spread = +19.8% (Analyst 22.4% - Implied 2.6%)