HUMANA INC (1HUM.MI) Fundamental Analysis & Valuation

BIT:1HUM • US4448591028

Current stock price

149.4 EUR
-5.8 (-3.74%)
Last:

This 1HUM.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1HUM.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1HUM was profitable.
  • 1HUM had a positive operating cash flow in the past year.
  • In the past 5 years 1HUM has always been profitable.
  • 1HUM had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.43%, 1HUM is in line with its industry, outperforming 48.15% of the companies in the same industry.
  • With a Return On Equity value of 6.73%, 1HUM perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
  • 1HUM has a Return On Invested Capital of 6.36%. This is in the better half of the industry: 1HUM outperforms 70.37% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 1HUM is in line with the industry average of 5.91%.
Industry RankSector Rank
ROA 2.43%
ROE 6.73%
ROIC 6.36%
ROA(3y)3.44%
ROA(5y)4.69%
ROE(3y)9.8%
ROE(5y)13.19%
ROIC(3y)7.34%
ROIC(5y)7.68%
1HUM.MI Yearly ROA, ROE, ROIC1HUM.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • The Profit Margin of 1HUM (0.92%) is worse than 66.67% of its industry peers.
  • In the last couple of years the Profit Margin of 1HUM has declined.
  • The Operating Margin of 1HUM (2.63%) is worse than 70.37% of its industry peers.
  • 1HUM's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 2.63%
PM (TTM) 0.92%
GM N/A
OM growth 3Y-16.25%
OM growth 5Y-16.48%
PM growth 3Y-32.82%
PM growth 5Y-26.81%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

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1

2. 1HUM.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1HUM is destroying value.
  • 1HUM has about the same amout of shares outstanding than it did 1 year ago.
  • 1HUM has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1HUM is higher compared to a year ago.
1HUM.MI Yearly Shares Outstanding1HUM.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
1HUM.MI Yearly Total Debt VS Total Assets1HUM.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • The Debt to FCF ratio of 1HUM is 32.98, which is on the high side as it means it would take 1HUM, 32.98 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 32.98, 1HUM is doing worse than 74.07% of the companies in the same industry.
  • A Debt/Equity ratio of 0.70 indicates that 1HUM is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.70, 1HUM is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 32.98
Altman-Z N/A
ROIC/WACC0.78
WACC8.15%
1HUM.MI Yearly LT Debt VS Equity VS FCF1HUM.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 1HUM.MI Growth Analysis

3.1 Past

  • 1HUM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.81%.
  • Measured over the past years, 1HUM shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.78% on average per year.
  • The Revenue has grown by 10.11% in the past year. This is quite good.
  • The Revenue has been growing by 10.94% on average over the past years. This is quite good.
EPS 1Y (TTM)5.81%
EPS 3Y-12.09%
EPS 5Y-1.78%
EPS Q2Q%-83.33%
Revenue 1Y (TTM)10.11%
Revenue growth 3Y11.77%
Revenue growth 5Y10.94%
Sales Q2Q%25.48%

3.2 Future

  • The Earnings Per Share is expected to grow by 14.97% on average over the next years. This is quite good.
  • 1HUM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.51% yearly.
EPS Next Y-45.96%
EPS Next 2Y-5.2%
EPS Next 3Y14.43%
EPS Next 5Y14.97%
Revenue Next Year23.64%
Revenue Next 2Y14.79%
Revenue Next 3Y12.32%
Revenue Next 5Y10.51%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
1HUM.MI Yearly Revenue VS Estimates1HUM.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B 200B 250B
1HUM.MI Yearly EPS VS Estimates1HUM.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10 20 30 40

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3

4. 1HUM.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.12 indicates a reasonable valuation of 1HUM.
  • Based on the Price/Earnings ratio, 1HUM is valued cheaper than 85.19% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.54. 1HUM is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 18.71 indicates a rather expensive valuation of 1HUM.
  • 1HUM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1HUM is more expensive than 74.07% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, 1HUM is valued at the same level.
Industry RankSector Rank
PE 10.12
Fwd PE 18.71
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1HUM indicates a somewhat cheap valuation: 1HUM is cheaper than 70.37% of the companies listed in the same industry.
  • 1HUM's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 1HUM is more expensive than 74.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 55.72
EV/EBITDA 6.87
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

  • A more expensive valuation may be justified as 1HUM's earnings are expected to grow with 14.43% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.2%
EPS Next 3Y14.43%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1HUM.MI Dividend Analysis

5.1 Amount

  • 1HUM has a Yearly Dividend Yield of 2.16%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 1.96, 1HUM has a dividend in line with its industry peers.
  • 1HUM's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.16%

5.2 History

  • The dividend of 1HUM is nicely growing with an annual growth rate of 7.57%!
Dividend Growth(5Y)7.57%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1HUM pays out 36.20% of its income as dividend. This is a sustainable payout ratio.
  • 1HUM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.2%
EPS Next 2Y-5.2%
EPS Next 3Y14.43%
1HUM.MI Yearly Income VS Free CF VS Dividend1HUM.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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1HUM.MI Fundamentals: All Metrics, Ratios and Statistics

HUMANA INC

BIT:1HUM (3/16/2026, 7:00:00 PM)

149.4

-5.8 (-3.74%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)02-11
Earnings (Next)04-29
Inst Owners103.79%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap18.02B
Revenue(TTM)129.66B
Net Income(TTM)1.19B
Analysts68.48
Price Target205.42 (37.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.16%
Yearly Dividend3.11
Dividend Growth(5Y)7.57%
DP36.2%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.95%
Min EPS beat(2)2.11%
Max EPS beat(2)13.8%
EPS beat(4)4
Avg EPS beat(4)8.66%
Min EPS beat(4)2.11%
Max EPS beat(4)13.88%
EPS beat(8)8
Avg EPS beat(8)11.46%
EPS beat(12)11
Avg EPS beat(12)-6.14%
EPS beat(16)15
Avg EPS beat(16)-1.63%
Revenue beat(2)2
Avg Revenue beat(2)7.03%
Min Revenue beat(2)0.98%
Max Revenue beat(2)13.08%
Revenue beat(4)3
Avg Revenue beat(4)3.32%
Min Revenue beat(4)-1.32%
Max Revenue beat(4)13.08%
Revenue beat(8)7
Avg Revenue beat(8)2.57%
Revenue beat(12)11
Avg Revenue beat(12)2.26%
Revenue beat(16)12
Avg Revenue beat(16)1.62%
PT rev (1m)-18.27%
PT rev (3m)-17.7%
EPS NQ rev (1m)-7.91%
EPS NQ rev (3m)-9.6%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.45%
Revenue NQ rev (1m)8.96%
Revenue NQ rev (3m)9.45%
Revenue NY rev (1m)7.48%
Revenue NY rev (3m)15.59%
Valuation
Industry RankSector Rank
PE 10.12
Fwd PE 18.71
P/S 0.16
P/FCF 55.72
P/OCF 22.69
P/B 1.18
P/tB 3.05
EV/EBITDA 6.87
EPS(TTM)14.77
EY9.89%
EPS(NY)7.98
Fwd EY5.34%
FCF(TTM)2.68
FCFY1.79%
OCF(TTM)6.59
OCFY4.41%
SpS927.18
BVpS126.26
TBVpS48.93
PEG (NY)N/A
PEG (5Y)N/A
Graham Number204.84
Profitability
Industry RankSector Rank
ROA 2.43%
ROE 6.73%
ROCE 7.95%
ROIC 6.36%
ROICexc 7.05%
ROICexgc 16.75%
OM 2.63%
PM (TTM) 0.92%
GM N/A
FCFM 0.29%
ROA(3y)3.44%
ROA(5y)4.69%
ROE(3y)9.8%
ROE(5y)13.19%
ROIC(3y)7.34%
ROIC(5y)7.68%
ROICexc(3y)8.13%
ROICexc(5y)8.61%
ROICexgc(3y)17.98%
ROICexgc(5y)20.14%
ROCE(3y)9.27%
ROCE(5y)9.74%
ROICexgc growth 3Y-13.37%
ROICexgc growth 5Y-10.67%
ROICexc growth 3Y-13.16%
ROICexc growth 5Y-14.87%
OM growth 3Y-16.25%
OM growth 5Y-16.48%
PM growth 3Y-32.82%
PM growth 5Y-26.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover2.65
Health
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 32.98
Debt/EBITDA 2.92
Cap/Depr 66.26%
Cap/Sales 0.42%
Interest Coverage 5.42
Cash Conversion 21.77%
Profit Quality 31.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.15%
ROIC/WACC0.78
Cap/Depr(3y)78.38%
Cap/Depr(5y)110.45%
Cap/Sales(3y)0.62%
Cap/Sales(5y)0.93%
Profit Quality(3y)116.42%
Profit Quality(5y)101.02%
High Growth Momentum
Growth
EPS 1Y (TTM)5.81%
EPS 3Y-12.09%
EPS 5Y-1.78%
EPS Q2Q%-83.33%
EPS Next Y-45.96%
EPS Next 2Y-5.2%
EPS Next 3Y14.43%
EPS Next 5Y14.97%
Revenue 1Y (TTM)10.11%
Revenue growth 3Y11.77%
Revenue growth 5Y10.94%
Sales Q2Q%25.48%
Revenue Next Year23.64%
Revenue Next 2Y14.79%
Revenue Next 3Y12.32%
Revenue Next 5Y10.51%
EBIT growth 1Y19.76%
EBIT growth 3Y-6.4%
EBIT growth 5Y-7.34%
EBIT Next Year-17.29%
EBIT Next 3Y16.99%
EBIT Next 5Y13.07%
FCF growth 1Y-84.32%
FCF growth 3Y-52.35%
FCF growth 5Y-39.63%
OCF growth 1Y-68.95%
OCF growth 3Y-41.44%
OCF growth 5Y-30.4%

HUMANA INC / 1HUM.MI Fundamental Analysis FAQ

What is the fundamental rating for 1HUM stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1HUM.MI.


Can you provide the valuation status for HUMANA INC?

ChartMill assigns a valuation rating of 3 / 10 to HUMANA INC (1HUM.MI). This can be considered as Overvalued.


Can you provide the profitability details for HUMANA INC?

HUMANA INC (1HUM.MI) has a profitability rating of 3 / 10.


What is the valuation of HUMANA INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HUMANA INC (1HUM.MI) is 10.12 and the Price/Book (PB) ratio is 1.18.


Can you provide the dividend sustainability for 1HUM stock?

The dividend rating of HUMANA INC (1HUM.MI) is 6 / 10 and the dividend payout ratio is 36.2%.