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HUMANA INC (1HUM.MI) Stock Fundamental Analysis

BIT:1HUM - Euronext Milan - US4448591028 - Common Stock - Currency: EUR

222.3  +222.3 (+Infinity%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to 1HUM. 1HUM was compared to 25 industry peers in the Health Care Providers & Services industry. There are concerns on the financial health of 1HUM while its profitability can be described as average. While showing a medium growth rate, 1HUM is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year 1HUM was profitable.
1HUM had a positive operating cash flow in the past year.
Each year in the past 5 years 1HUM has been profitable.
In the past 5 years 1HUM always reported a positive cash flow from operatings.
1HUM.MI Yearly Net Income VS EBIT VS OCF VS FCF1HUM.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

1.2 Ratios

1HUM has a better Return On Assets (3.13%) than 68.00% of its industry peers.
1HUM's Return On Equity of 8.64% is in line compared to the rest of the industry. 1HUM outperforms 60.00% of its industry peers.
1HUM has a Return On Invested Capital of 6.01%. This is in the better half of the industry: 1HUM outperforms 68.00% of its industry peers.
1HUM had an Average Return On Invested Capital over the past 3 years of 7.86%. This is above the industry average of 5.74%.
Industry RankSector Rank
ROA 3.13%
ROE 8.64%
ROIC 6.01%
ROA(3y)4.8%
ROA(5y)6.13%
ROE(3y)13.67%
ROE(5y)16.75%
ROIC(3y)7.86%
ROIC(5y)8.6%
1HUM.MI Yearly ROA, ROE, ROIC1HUM.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

The Profit Margin of 1HUM (1.28%) is comparable to the rest of the industry.
1HUM's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 2.87%, 1HUM is doing worse than 64.00% of the companies in the same industry.
1HUM's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 2.87%
PM (TTM) 1.28%
GM N/A
OM growth 3Y-13.15%
OM growth 5Y-12.08%
PM growth 3Y-33.79%
PM growth 5Y-24.48%
GM growth 3YN/A
GM growth 5YN/A
1HUM.MI Yearly Profit, Operating, Gross Margins1HUM.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1HUM is destroying value.
1HUM has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1HUM has less shares outstanding
The debt/assets ratio for 1HUM is higher compared to a year ago.
1HUM.MI Yearly Shares Outstanding1HUM.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
1HUM.MI Yearly Total Debt VS Total Assets1HUM.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

The Debt to FCF ratio of 1HUM is 5.16, which is a neutral value as it means it would take 1HUM, 5.16 years of fcf income to pay off all of its debts.
1HUM has a better Debt to FCF ratio (5.16) than 80.00% of its industry peers.
A Debt/Equity ratio of 0.69 indicates that 1HUM is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.69, 1HUM is in the better half of the industry, outperforming 68.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 5.16
Altman-Z N/A
ROIC/WACC0.7
WACC8.64%
1HUM.MI Yearly LT Debt VS Equity VS FCF1HUM.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1HUM.MI Yearly Current Assets VS Current Liabilites1HUM.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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4

3. Growth

3.1 Past

The earnings per share for 1HUM have decreased by -9.19% in the last year.
1HUM shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.92% yearly.
1HUM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.88%.
Measured over the past years, 1HUM shows a quite strong growth in Revenue. The Revenue has been growing by 12.66% on average per year.
EPS 1Y (TTM)-9.19%
EPS 3Y-7.76%
EPS 5Y-1.92%
EPS Q2Q%-9.91%
Revenue 1Y (TTM)9.88%
Revenue growth 3Y12.34%
Revenue growth 5Y12.66%
Sales Q2Q%9.64%

3.2 Future

1HUM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.04% yearly.
Based on estimates for the next years, 1HUM will show a small growth in Revenue. The Revenue will grow by 7.93% on average per year.
EPS Next Y2.09%
EPS Next 2Y-6.25%
EPS Next 3Y10.57%
EPS Next 5Y16.04%
Revenue Next Year8.3%
Revenue Next 2Y5.57%
Revenue Next 3Y6.28%
Revenue Next 5Y7.93%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1HUM.MI Yearly Revenue VS Estimates1HUM.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 50B 100B 150B 200B
1HUM.MI Yearly EPS VS Estimates1HUM.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10 20 30 40

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2

4. Valuation

4.1 Price/Earnings Ratio

1HUM is valuated correctly with a Price/Earnings ratio of 13.05.
Compared to the rest of the industry, the Price/Earnings ratio of 1HUM indicates a somewhat cheap valuation: 1HUM is cheaper than 80.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of 1HUM to the average of the S&P500 Index (26.48), we can say 1HUM is valued rather cheaply.
1HUM is valuated rather expensively with a Price/Forward Earnings ratio of 18.20.
Based on the Price/Forward Earnings ratio, 1HUM is valued a bit more expensive than the industry average as 68.00% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of 1HUM to the average of the S&P500 Index (34.04), we can say 1HUM is valued slightly cheaper.
Industry RankSector Rank
PE 13.05
Fwd PE 18.2
1HUM.MI Price Earnings VS Forward Price Earnings1HUM.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

1HUM's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, 1HUM is valued a bit more expensive than 60.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.81
EV/EBITDA 8.96
1HUM.MI Per share data1HUM.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600 800

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)6.25
PEG (5Y)N/A
EPS Next 2Y-6.25%
EPS Next 3Y10.57%

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5

5. Dividend

5.1 Amount

1HUM has a Yearly Dividend Yield of 1.38%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.88, 1HUM has a dividend in line with its industry peers.
With a Dividend Yield of 1.38, 1HUM pays less dividend than the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.38%

5.2 History

The dividend of 1HUM is nicely growing with an annual growth rate of 10.32%!
Dividend Growth(5Y)10.32%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

1HUM pays out 27.22% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1HUM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.22%
EPS Next 2Y-6.25%
EPS Next 3Y10.57%
1HUM.MI Yearly Income VS Free CF VS Dividend1HUM.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B
1HUM.MI Dividend Payout.1HUM.MI Dividend Payout, showing the Payout Ratio.1HUM.MI Dividend Payout.PayoutRetained Earnings

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HUMANA INC

BIT:1HUM (7/31/2025, 7:00:00 PM)

222.3

+222.3 (+Infinity%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)07-30 2025-07-30/bmo
Earnings (Next)11-05 2025-11-05/amc
Inst Owners98.06%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap26.83B
Analysts70.32
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.38%
Yearly Dividend3.05
Dividend Growth(5Y)10.32%
DP27.22%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.37%
Min EPS beat(2)4.86%
Max EPS beat(2)13.88%
EPS beat(4)4
Avg EPS beat(4)10.23%
Min EPS beat(4)1.21%
Max EPS beat(4)20.98%
EPS beat(8)7
Avg EPS beat(8)-11.27%
EPS beat(12)11
Avg EPS beat(12)-5.94%
EPS beat(16)15
Avg EPS beat(16)-2.06%
Revenue beat(2)1
Avg Revenue beat(2)-0.39%
Min Revenue beat(2)-1.32%
Max Revenue beat(2)0.55%
Revenue beat(4)3
Avg Revenue beat(4)0.25%
Min Revenue beat(4)-1.32%
Max Revenue beat(4)1.52%
Revenue beat(8)7
Avg Revenue beat(8)1.5%
Revenue beat(12)9
Avg Revenue beat(12)0.92%
Revenue beat(16)10
Avg Revenue beat(16)0.5%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.05
Fwd PE 18.2
P/S 0.25
P/FCF 12.81
P/OCF 10.66
P/B 1.71
P/tB 4.33
EV/EBITDA 8.96
EPS(TTM)17.04
EY7.67%
EPS(NY)12.22
Fwd EY5.5%
FCF(TTM)17.35
FCFY7.8%
OCF(TTM)20.86
OCFY9.38%
SpS875.73
BVpS129.71
TBVpS51.37
PEG (NY)6.25
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.13%
ROE 8.64%
ROCE 7.94%
ROIC 6.01%
ROICexc 6.61%
ROICexgc 13.55%
OM 2.87%
PM (TTM) 1.28%
GM N/A
FCFM 1.98%
ROA(3y)4.8%
ROA(5y)6.13%
ROE(3y)13.67%
ROE(5y)16.75%
ROIC(3y)7.86%
ROIC(5y)8.6%
ROICexc(3y)8.87%
ROICexc(5y)9.81%
ROICexgc(3y)19.84%
ROICexgc(5y)21.44%
ROCE(3y)10.58%
ROCE(5y)11.53%
ROICexcg growth 3Y-14.61%
ROICexcg growth 5Y-10.55%
ROICexc growth 3Y-6.07%
ROICexc growth 5Y-12.53%
OM growth 3Y-13.15%
OM growth 5Y-12.08%
PM growth 3Y-33.79%
PM growth 5Y-24.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover2.44
Health
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 5.16
Debt/EBITDA 2.83
Cap/Depr 54.24%
Cap/Sales 0.4%
Interest Coverage 5.64
Cash Conversion 65.98%
Profit Quality 154.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.64%
ROIC/WACC0.7
Cap/Depr(3y)100.48%
Cap/Depr(5y)128.5%
Cap/Sales(3y)0.88%
Cap/Sales(5y)1.09%
Profit Quality(3y)147.09%
Profit Quality(5y)122.47%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.19%
EPS 3Y-7.76%
EPS 5Y-1.92%
EPS Q2Q%-9.91%
EPS Next Y2.09%
EPS Next 2Y-6.25%
EPS Next 3Y10.57%
EPS Next 5Y16.04%
Revenue 1Y (TTM)9.88%
Revenue growth 3Y12.34%
Revenue growth 5Y12.66%
Sales Q2Q%9.64%
Revenue Next Year8.3%
Revenue Next 2Y5.57%
Revenue Next 3Y6.28%
Revenue Next 5Y7.93%
EBIT growth 1Y-8.8%
EBIT growth 3Y-2.43%
EBIT growth 5Y-0.95%
EBIT Next Year33.61%
EBIT Next 3Y15.01%
EBIT Next 5Y14.61%
FCF growth 1Y-79.94%
FCF growth 3Y36.22%
FCF growth 5Y-12.07%
OCF growth 1Y-77.77%
OCF growth 3Y9.45%
OCF growth 5Y-10.91%