(HUM) Humana - Ratings and Ratios
Medical, Medicare, Medicaid, Dental, Vision
HUM EPS (Earnings per Share)
HUM Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 76.2% |
| Value at Risk 5%th | 79.9% |
| Relative Tail Risk | -36.27% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.21 |
| Alpha | -22.30 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.612 |
| Beta | 0.329 |
| Beta Downside | 0.469 |
| Drawdowns 3y | |
|---|---|
| Max DD | 58.81% |
| Mean DD | 31.35% |
| Median DD | 34.72% |
Description: HUM Humana October 14, 2025
Humana Inc. (NYSE:HUM) is a U.S.-based provider of medical and specialty insurance products, operating through two primary segments: Insurance and CenterWell. The Insurance segment delivers fully-insured medical, dental, vision, and supplemental plans to individuals, employer groups, and the military (e.g., the TRICARE T2017 East Region contract), while also offering administrative-only solutions. CenterWell focuses on senior-focused primary-care centers, pharmacies, and home-based health services such as hospice and home health, extending care to both plan members and third-party payers.
The company administers several government-related programs, including the CMS-run Limited Income Newly Eligible Transition (LINET) prescription-drug plan, state Medicaid and dual-eligible contracts, and long-term support services. Distribution channels span employer groups, independent brokers, sales representatives, and digital insurance agencies, reflecting a multi-channel sales strategy.
Key performance indicators from the most recent fiscal year (2023) show a 9% year-over-year increase in Medicare Advantage enrollment to roughly 7.5 million members, and a net income of $4.5 billion on revenue of $84 billion, indicating solid profitability despite rising medical cost inflation. The senior-care segment (CenterWell) contributed approximately 12% of total revenue, a figure that has been expanding as the U.S. population ages-a macro-level driver that underpins long-term demand for Humana’s integrated care services.
From a sector perspective, the managed-health-care industry is being reshaped by regulatory reforms (e.g., potential Medicare Advantage payment adjustments) and the acceleration of value-based care models, which could affect Humana’s margin trajectory. Additionally, the broader PBM market is consolidating, and Humana’s in-house pharmacy-benefit-manager operations position it to capture a larger share of prescription-drug spend, though competitive pressures remain high.
For a deeper quantitative view of Humana’s valuation metrics, you may find the ValueRay platform’s analyst toolkit useful.
HUM Stock Overview
| Market Cap in USD | 30,314m |
| Sub-Industry | Managed Health Care |
| IPO / Inception | 1993-01-22 |
| Return 12m vs S&P 500 | -27.2% |
| Analyst Rating | 3.58 of 5 |
HUM Dividends
| Dividend Yield | 1.50% |
| Yield on Cost 5y | 0.86% |
| Yield CAGR 5y | 9.09% |
| Payout Consistency | 56.9% |
| Payout Ratio | 18.7% |
HUM Growth Ratios
| CAGR 3y | -22.47% |
| CAGR/Max DD Calmar Ratio | -0.38 |
| CAGR/Mean DD Pain Ratio | -0.72 |
| Current Volume | 1457.1k |
| Average Volume | 1472.4k |
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 (7.22b) to EBITDA (3.10b) ratio: 2.33 <= 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 2.10% (prev 88.39%; Δ -86.29pp) >=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 3.49 (EBITDA TTM 3.10b / Interest Expense TTM 649.0m) >= 6 (WARN >= 3) |
Altman Z'' 5.45
| (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 |
| (C) 0.05 = EBIT TTM 2.26b / Avg Total Assets 49.86b |
| (D) 0.94 = Book Value of Equity 29.35b / Total Liabilities 31.14b |
| Total Rating: 5.45 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 75.76
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 7.44% = 3.72 |
| 3. FCF Margin 1.22% = 0.31 |
| 4. Debt/Equity 0.68 = 2.27 |
| 5. Debt/Ebitda 2.33 = -0.64 |
| 6. ROIC - WACC (= 14.39)% = 12.50 |
| 7. RoE 7.28% = 0.61 |
| 8. Rev. Trend 92.17% = 6.91 |
| 9. EPS Trend -8.43% = -0.42 |
What is the price of HUM shares?
Over the past week, the price has changed by -5.72%, over one month by -12.64%, over three months by -15.75% and over the past year by -17.05%.
Is Humana a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HUM is around 200.81 USD . This means that HUM is currently overvalued and has a potential downside of -15.18%.
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 | 288.8 | 22% |
| Analysts Target Price | 288.8 | 22% |
| ValueRay Target Price | 217.7 | -8% |
HUM Fundamental Data Overview November 10, 2025
P/E Trailing = 23.5772
P/E Forward = 18.5185
P/S = 0.2399
P/B = 1.6927
P/EG = 0.9962
Beta = 0.455
Revenue TTM = 126.36b USD
EBIT TTM = 2.26b USD
EBITDA TTM = 3.10b USD
Long Term Debt = 11.14b USD (from longTermDebt, last fiscal year)
Short Term Debt = 577.0m USD (from shortTermDebt, last fiscal year)
Debt = 12.61b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.22b USD (from netDebt column, last quarter)
Enterprise Value = 20.80b USD (30.31b + Debt 12.61b - CCE 22.12b)
Interest Coverage Ratio = 3.49 (Ebit TTM 2.26b / Interest Expense TTM 649.0m)
FCF Yield = 7.44% (FCF TTM 1.55b / Enterprise Value 20.80b)
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 = 2.10% ((Revenue TTM 126.36b - Cost of Revenue TTM 123.71b) / Revenue TTM)
Gross Margin QoQ = 3.31% (prev 2.29%)
Tobins Q-Ratio = 0.42 (Enterprise Value 20.80b / Total Assets 49.72b)
Interest Expense / Debt = 1.33% (Interest Expense 168.0m / Debt 12.61b)
Taxrate = -64.18% (out of range, set to none) (-86.0m / 134.0m)
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 12.61b / totalStockholderEquity, last quarter 18.52b)
Debt / EBITDA = 2.33 (Net Debt 7.22b / EBITDA 3.10b)
Debt / FCF = 4.67 (Net Debt 7.22b / FCF TTM 1.55b)
Total Stockholder Equity = 17.72b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.59% (Net Income 1.29b / Total Assets 49.72b)
RoE = 7.28% (Net Income TTM 1.29b / Total Stockholder Equity 17.72b)
RoCE = 7.84% (EBIT 2.26b / Capital Employed (Equity 17.72b + L.T.Debt 11.14b))
RoIC = 19.82% (EBIT 2.26b / (Assets 49.72b - Curr.Liab 16.18b - Cash 22.12b))
WACC = 5.43% (E(30.31b)/V(42.92b) * Re(7.69%) + (debt cost/tax rate unavailable))
Discount Rate = 7.69% (= 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: -8.43 | EPS CAGR: 28.67% | SUE: 0.51 | # QB: 0
Revenue Correlation: 92.17 | Revenue CAGR: 14.61% | SUE: 0.75 | # QB: 0
Additional Sources for HUM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle