(HUM) Humana - Ratings and Ratios
Medical, Medicare, Medicaid, Dental, Vision
HUM EPS (Earnings per Share)
HUM Revenue
Description: HUM Humana
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 | 33,703m |
| Sub-Industry | Managed Health Care |
| IPO / Inception | 1993-01-22 |
HUM Stock Ratings
| Growth Rating | -34.6% |
| Fundamental | 65.5% |
| Dividend Rating | 47.7% |
| Return 12m vs S&P 500 | -5.07% |
| Analyst Rating | 3.58 of 5 |
HUM Dividends
| Dividend Yield 12m | 1.25% |
| Yield on Cost 5y | 0.84% |
| Annual Growth 5y | 9.09% |
| Payout Consistency | 56.9% |
| Payout Ratio | 17.8% |
HUM Growth Ratios
| Growth Correlation 3m | 23.4% |
| Growth Correlation 12m | -12.3% |
| Growth Correlation 5y | -49.9% |
| CAGR 5y | -17.67% |
| CAGR/Max DD 3y (Calmar Ratio) | -0.30 |
| CAGR/Mean DD 3y (Pain Ratio) | -0.56 |
| Sharpe Ratio 12m | 0.60 |
| Alpha | 3.18 |
| Beta | 0.425 |
| Volatility | 51.80% |
| Current Volume | 1041.4k |
| Average Volume 20d | 1613.1k |
| Stop Loss | 268.6 (-5.4%) |
| Signal | 0.72 |
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (1.58b TTM) > 0 and > 6% of Revenue (6% = 7.39b TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 14.93pp (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) 65.45
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 5.77% = 2.89 |
| 3. FCF Margin 1.98% = 0.50 |
| 4. Debt/Equity 0.69 = 2.27 |
| 5. Debt/Ebitda 2.26 = -0.51 |
| 6. ROIC - WACC (= 1.45)% = 1.81 |
| 7. RoE 9.02% = 0.75 |
| 8. Rev. Trend 93.04% = 6.98 |
| 9. EPS Trend -14.56% = -0.73 |
What is the price of HUM shares?
Over the past week, the price has changed by +4.80%, over one month by +10.52%, over three months by +27.55% and over the past year by +10.52%.
Is Humana a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HUM is around 245.62 USD . This means that HUM is currently overvalued and has a potential downside of -13.51%.
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 | 297.1 | 4.6% |
| Analysts Target Price | 297.1 | 4.6% |
| ValueRay Target Price | 267.2 | -5.9% |
Last update: 2025-10-13 02:02
HUM Fundamental Data Overview
P/E Trailing = 21.4564
P/E Forward = 18.5185
P/S = 0.2738
P/B = 1.6927
P/EG = 0.9962
Beta = 0.425
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 = 577.0m USD (from shortTermDebt, last fiscal year)
Debt = 12.59b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.55b USD (from netDebt column, last quarter)
Enterprise Value = 42.25b USD (33.70b + Debt 12.59b - CCE 4.04b)
Interest Coverage Ratio = 4.42 (Ebit TTM 2.87b / Interest Expense TTM 650.0m)
FCF Yield = 5.77% (FCF TTM 2.44b / Enterprise Value 42.25b)
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)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.84 (Enterprise Value 42.25b / Total Assets 50.36b)
Interest Expense / Debt = 1.25% (Interest Expense 157.0m / Debt 12.59b)
Taxrate = 24.16% (179.0m / 741.0m)
NOPAT = 2.18b (EBIT 2.87b * (1 - 24.16%))
Current Ratio = 1.95 (Total Current Assets 33.62b / Total Current Liabilities 17.22b)
Debt / Equity = 0.69 (Debt 12.59b / totalStockholderEquity, last quarter 18.23b)
Debt / EBITDA = 2.26 (Net Debt 8.55b / EBITDA 3.78b)
Debt / FCF = 3.50 (Net Debt 8.55b / FCF TTM 2.44b)
Total Stockholder Equity = 17.48b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 17.48b + L.T.Debt 12.59b))
RoIC = 7.22% (NOPAT 2.18b / Invested Capital 30.14b)
WACC = 5.78% (E(33.70b)/V(46.29b) * Re(7.58%) + D(12.59b)/V(46.29b) * Rd(1.25%) * (1-Tc(0.24)))
Discount Rate = 7.58% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -0.70%
[DCF Debug] Terminal Value 73.23% ; FCFE base≈2.44b ; Y1≈1.82b ; Y5≈1.08b
Fair Price DCF = 169.4 (DCF Value 20.38b / Shares Outstanding 120.3m; 5y FCF grow -29.97% → 3.0% )
EPS Correlation: -14.56 | EPS CAGR: -3.32% | SUE: 0.48 | # QB: 0
Revenue Correlation: 93.04 | Revenue CAGR: 13.62% | SUE: 0.63 | # QB: 0
Additional Sources for HUM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle