HUM Stock Analysis: Humana | NYSE
Healthcare Plans | NYSE, USA | Market Cap: 44.029m USD | 12M Return: 45% | US4448591028 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 547M
EPS Trend: -84.0%
Qual. Beats: 1
Rev. Trend: 98.8%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.6 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: 1.28b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -1.43 > 1.0 |
| NWC/Revenue: 11.72% < 20% (prev -2.27%; Δ 13.99% < -1%) |
| CFO/TA 0.00 > 3% & CFO 147.0m > Net Income 1.28b |
| Net Debt (-9.62b) to EBITDA (3.07b): -3.14 < 3 |
| Current Ratio: 1.74 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.9m) vs 12m ago 0.12% < -2% |
| Gross Margin: 13.65% > 18% (prev 15.03%; Δ -1.38% > 0.5%) |
| Asset Turnover: 270.9% > 50% (prev 244.5%; Δ 26.42% > 0%) |
| Interest Coverage Ratio: 3.29 > 6 (EBIT TTM 2.32b / Interest Expense TTM 704.0m) |
| A: 0.30 (Total Current Assets 40.1b - Total Current Liabilities 23.0b) / Total Assets 57.2b |
| B: 0.54 (Retained Earnings 30.7b / Total Assets 57.2b) |
| C: 0.04 (EBIT TTM 2.32b / Avg Total Assets 53.8b) |
| D: 0.51 (Book Value of Equity 19.2b / Total Liabilities 37.9b) |
| Altman-Z'' = 4.53 = AA |
| DSRI: 1.07 (Receivables 5.70b/4.50b, Revenue 146b/123b) |
| GMI: 1.10 (GM 15.03% / 13.65%) |
| AQI: 0.33 (AQ_t 0.26 / AQ_t-1 0.78) |
| SGI: 1.18 (Revenue 146b / 123b) |
| TATA: 0.02 (NI 1.28b - CFO 147.0m) / TA 57.2b) |
| Beneish M = -3.14 (Cap -4..+1) = AA |
As of August 06, 2026, the stock is trading at USD 363.82 with a total of 1,486,589 shares traded. Over the past week, the price has changed by -0.44%, over one month by -7.39%, over three months by +52.25% and over the past year by +45.03%.
Current recommended Stop Loss: 346.20 (which is 4.8% or 1.1 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 | 401.3 | 10.3% |
P/E Trailing = 34.4929
P/E Forward = 40.1606
P/S = 0.3022
P/B = 2.2834
P/EG = 2.0698
Revenue TTM = 146b USD
EBIT TTM = 2.32b USD
EBITDA TTM = 3.07b USD
Long Term Debt = 12.0b USD (from longTermDebt, last quarter)
Short Term Debt = 2.27b USD (from shortTermDebt, last quarter)
Debt = 14.2b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -9.62b USD (calculated: Debt 14.2b - CCE 23.9b)
Enterprise Value = 34.4b USD (44.0b + Debt 14.2b - CCE 23.9b)
Interest Coverage Ratio = 3.29 (Ebit TTM 2.32b / Interest Expense TTM 704.0m)
EV/FCF = 20.32x (Enterprise Value 34.4b / FCF TTM 1.69b)
FCF Yield = 4.92% (FCF TTM 1.69b / Enterprise Value 34.4b)
FCF Margin = 1.16% (FCF TTM 1.69b / Revenue TTM 146b)
Net Margin = 0.88% (Net Income TTM 1.28b / Revenue TTM 146b)
Gross Margin = 13.65% ((Revenue TTM 146b - Cost of Revenue TTM 126b) / Revenue TTM)
Gross Margin QoQ = 13.45% (prev 14.98%)
Tobins Q-Ratio = 0.60 (Enterprise Value 34.4b / Total Assets 57.2b)
Interest Expense / Debt = 4.94% (Interest Expense 704.0m / Debt 14.2b)
Taxrate = 18.46% (298.0m / 1.61b)
NOPAT = 1.89b (EBIT 2.32b * (1 - 18.46%))
Current Ratio = 0.93 (Total Current Assets 40.1b / Total Current Liabilities 43.1b)
Debt / Equity = 0.74 (Debt 14.2b / totalStockholderEquity, last quarter 19.2b)
Debt / EBITDA = -3.14 (Net Debt -9.62b / EBITDA 3.07b)
Debt / FCF = -5.68 (Net Debt -9.62b / FCF TTM 1.69b)
Total Stockholder Equity = 18.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.38% (Net Income 1.28b / Total Assets 57.2b)
RoE = 6.91% (Net Income TTM 1.28b / Total Stockholder Equity 18.5b)
RoCE = 7.61% (EBIT 2.32b / Capital Employed (Equity 18.5b + L.T.Debt 12.0b))
RoIC = 6.48% (NOPAT 1.89b / Invested Capital 29.2b)
WACC = 6.58% (E(44.0b)/V(58.3b) * Re(7.41%) + D(14.2b)/V(58.3b) * Rd(4.94%) * (1-Tc(0.18)))
Discount Rate = 7.41% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -44.51 | Cagr: -0.14%
[DCF] Terminal Value 73.10% ; FCFF base≈1.90b ; Y1≈1.67b ; Y5≈1.35b
[DCF] Fair Price = 260.2 (EV 21.6b - Net Debt -9.62b = Equity 31.2b / Shares 120.1m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -83.96 | EPS CAGR: -15.73% | SUE: 2.51 | # QB: 1
Revenue Correlation: 98.82 | Revenue CAGR: 12.15% | SUE: 0.85 | # QB: 1
EPS current Quarter (2026-09-30): EPS=-1.01 | Chg30d=-496.11% | Revisions=-22% | Analysts=16
EPS current Year (2026-12-31): EPS=9.07 | Chg30d=+2.59% | Revisions=+57% | GrowthEPS=-47.1% | GrowthRev=+25.4%
EPS next Year (2027-12-31): EPS=16.28 | Chg30d=+3.47% | Revisions=+50% | GrowthEPS=+79.4% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +35% (up=12, down=5)