(HUM) Humana - Overview

Sector: Healthcare | Industry: Healthcare Plans | Exchange: NYSE (USA) | Market Cap: 23.775m USD | Total Return: -28.5% in 12m

Health Insurance, Pharmacy, Senior Care, Home Health
Total Rating 35
Safety 77
Buy Signal -0.34
Healthcare Plans
Industry Rotation: +11.6
Market Cap: 23.8B
Avg Turnover: 263M USD
ATR: 3.95%
Peers RS (IBD): 13.5
Risk 5d forecast
Volatility60.9%
Rel. Tail Risk-25.8%
Reward TTM
Sharpe Ratio-0.30
Alpha-39.51
Character TTM
Beta0.472
Beta Downside0.619
Drawdowns 3y
Max DD68.50%
CAGR/Max DD-0.40
EPS (Earnings per Share) EPS (Earnings per Share) of HUM over the last years for every Quarter: "2021-03": 7.67, "2021-06": 6.89, "2021-09": 4.83, "2021-12": 1.24, "2022-03": 8.04, "2022-06": 8.67, "2022-09": 6.88, "2022-12": 1.62, "2023-03": 9.38, "2023-06": 8.94, "2023-09": 7.78, "2023-12": -0.11, "2024-03": 7.23, "2024-06": 6.96, "2024-09": 4.16, "2024-12": -2.16, "2025-03": 11.58, "2025-06": 6.27, "2025-09": 3.24, "2025-12": -3.96,
EPS CAGR: -53.97%
EPS Trend: -43.7%
Last SUE: 0.04
Qual. Beats: 0
Revenue Revenue of HUM over the last years for every Quarter: 2021-03: 20668, 2021-06: 20645, 2021-09: 20697, 2021-12: 21054, 2022-03: 23970, 2022-06: 23662, 2022-09: 22799, 2022-12: 22439, 2023-03: 26742, 2023-06: 26747, 2023-09: 26423, 2023-12: 26462, 2024-03: 29611, 2024-06: 29540, 2024-09: 29397, 2024-12: 29213, 2025-03: 32112, 2025-06: 32388, 2025-09: 32649, 2025-12: 32515,
Rev. CAGR: 8.47%
Rev. Trend: 94.4%
Last SUE: 0.50
Qual. Beats: 0

Warnings

Volatile

Tailwinds

No distinct edge detected

Description: HUM Humana

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) 2.5
Net Income: 1.19b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -4.39 > 1.0
NWC/Revenue: -2.19% < 20% (prev -5.38%; Δ 3.18% < -1%)
CFO/TA 0.02 > 3% & CFO 921.0m > Net Income 1.19b
Net Debt (8.74b) to EBITDA (2.91b): 3.00 < 3
Current Ratio: 0.72 > 1.5 & < 3
Outstanding Shares: last quarter (120.3m) vs 12m ago -0.35% < -2%
Gross Margin: 14.54% > 18% (prev 0.15%; Δ 1.44k% > 0.5%)
Asset Turnover: 272.8% > 50% (prev 254.3%; Δ 18.52% > 0%)
Interest Coverage Ratio: 3.30 > 6 (EBITDA TTM 2.91b / Interest Expense TTM 631.0m)
Altman Z'' 2.82
A: -0.06 (Total Current Assets 7.47b - Total Current Liabilities 10.31b) / Total Assets 48.75b
B: 0.60 (Retained Earnings 29.07b / Total Assets 48.75b)
C: 0.04 (EBIT TTM 2.08b / Avg Total Assets 47.53b)
D: 0.92 (Book Value of Equity 28.48b / Total Liabilities 31.01b)
Altman-Z'' Score: 2.82 = A
Beneish M -2.90
DSRI: 1.10 (Receivables 3.27b/2.70b, Revenue 129.66b/117.76b)
GMI: 1.00 (GM 14.54% / 14.52%)
AQI: 0.95 (AQ_t 0.79 / AQ_t-1 0.83)
SGI: 1.10 (Revenue 129.66b / 117.76b)
TATA: 0.01 (NI 1.19b - CFO 921.0m) / TA 48.75b)
Beneish M-Score: -2.90 (Cap -4..+1) = A
What is the price of HUM shares? As of April 09, 2026, the stock is trading at USD 198.39 with a total of 1,959,916 shares traded.
Over the past week, the price has changed by +12.12%, over one month by +11.69%, over three months by -28.16% and over the past year by -28.53%.
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 212.2 6.9%
Humana (HUM) - Fundamental Data Overview as of 09 April 2026
P/E Trailing = 20.0356
P/E Forward = 19.6464
P/S = 0.1834
P/B = 1.2091
P/EG = 1.0385
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 = 150.0m USD (from shortTermDebt, last quarter)
Debt = 12.94b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.74b USD (from netDebt column, last quarter)
Enterprise Value = 32.51b USD (23.78b + Debt 12.94b - CCE 4.20b)
Interest Coverage Ratio = 3.30 (Ebit TTM 2.08b / Interest Expense TTM 631.0m)
EV/FCF = 86.70x (Enterprise Value 32.51b / FCF TTM 375.0m)
FCF Yield = 1.15% (FCF TTM 375.0m / Enterprise Value 32.51b)
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 = 0.67 (Enterprise Value 32.51b / Total Assets 48.75b)
Interest Expense / Debt = 1.13% (Interest Expense 146.0m / Debt 12.94b)
Taxrate = 17.21% (250.0m / 1.45b)
NOPAT = 1.73b (EBIT 2.08b * (1 - 17.21%))
Current Ratio = 0.72 (Total Current Assets 7.47b / Total Current Liabilities 10.31b)
Debt / Equity = 0.73 (Debt 12.94b / totalStockholderEquity, last quarter 17.66b)
Debt / EBITDA = 3.00 (Net Debt 8.74b / EBITDA 2.91b)
Debt / FCF = 23.30 (Net Debt 8.74b / FCF TTM 375.0m)
Total Stockholder Equity = 18.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.50% (Net Income 1.19b / Total Assets 48.75b)
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 = 5.28% (E(23.78b)/V(36.71b) * Re(7.64%) + D(12.94b)/V(36.71b) * Rd(1.13%) * (1-Tc(0.17)))
Discount Rate = 7.64% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -0.87%
[DCF] Terminal Value 80.82% ; FCFF base≈1.18b ; Y1≈775.6m ; Y5≈354.7m
[DCF] Fair Price = 21.01 (EV 11.26b - Net Debt 8.74b = Equity 2.52b / Shares 120.1m; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -43.72 | EPS CAGR: -53.97% | SUE: 0.04 | # QB: 0
Revenue Correlation: 94.43 | Revenue CAGR: 8.47% | SUE: 0.50 | # QB: 0
EPS next Quarter (2026-06-30): EPS=4.49 | Chg7d=+0.000 | Chg30d=-0.031 | Revisions Net=-8 | Analysts=24
EPS current Year (2026-12-31): EPS=9.22 | Chg7d=-0.131 | Chg30d=-0.442 | Revisions Net=-5 | Growth EPS=-46.2% | Growth Revenue=+23.7%
EPS next Year (2027-12-31): EPS=15.24 | Chg7d=-0.052 | Chg30d=-0.524 | Revisions Net=-3 | Growth EPS=+65.2% | Growth Revenue=+6.1%
[Analyst] Revisions Ratio: -0.57 (3 Up / 11 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.9% (Discount Rate 7.9% - Earnings Yield 5.0%)
[Growth] Growth Spread = +20.3% (Analyst 23.2% - Implied 2.9%)
External Resources
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