HUMANA INC (1HUM.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1HUM - US4448591028 - Common Stock
207.6 EUR
-47.8 (-18.72%)
1HUM gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 27 industry peers in the Health Care Providers & Services industry. 1HUM may be in some trouble as it scores bad on both profitability and health. 1HUM has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
1HUM had positive earnings in the past year.
In the past year 1HUM had a positive cash flow from operations.
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.
1.2 Ratios
1HUM has a Return On Assets (2.60%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 6.97%, 1HUM is in line with its industry, outperforming 53.13% of the companies in the same industry.
1HUM's Return On Invested Capital of 5.89% is in line compared to the rest of the industry. 1HUM outperforms 53.13% of its industry peers.
1HUM had an Average Return On Invested Capital over the past 3 years of 7.86%. This is in line with the industry average of 6.91%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.6% | ||
| ROE | 6.97% | ||
| ROIC | 5.89% |
ROA(3y)4.8%
ROA(5y)6.13%
ROE(3y)13.67%
ROE(5y)16.75%
ROIC(3y)7.86%
ROIC(5y)8.6%
1.3 Margins
1HUM has a worse Profit Margin (1.02%) than 62.50% of its industry peers.
In the last couple of years the Profit Margin of 1HUM has declined.
With a Operating Margin value of 2.71%, 1HUM is not doing good in the industry: 71.88% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of 1HUM has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.71% | ||
| PM (TTM) | 1.02% | ||
| 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
2. Health
2.1 Basic Checks
1HUM has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
1HUM has less 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.
2.2 Solvency
1HUM has a debt to FCF ratio of 8.15. This is a slightly negative value and a sign of low solvency as 1HUM would need 8.15 years to pay back of all of its debts.
The Debt to FCF ratio of 1HUM (8.15) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.68 indicates that 1HUM is somewhat dependend on debt financing.
The Debt to Equity ratio of 1HUM (0.68) is better than 71.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 8.15 | ||
| Altman-Z | N/A |
ROIC/WACC0.69
WACC8.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.78% over the past year.
The Earnings Per Share has been decreasing by -1.92% on average over the past years.
Looking at the last year, 1HUM shows a quite strong growth in Revenue. The Revenue has grown by 9.87% in the last year.
The Revenue has been growing by 12.66% on average over the past years. This is quite good.
EPS 1Y (TTM)3.78%
EPS 3Y-7.76%
EPS 5Y-1.92%
EPS Q2Q%-22.12%
Revenue 1Y (TTM)9.87%
Revenue growth 3Y12.34%
Revenue growth 5Y12.66%
Sales Q2Q%11.06%
3.2 Future
The Earnings Per Share is expected to grow by 17.52% on average over the next years. This is quite good.
Based on estimates for the next years, 1HUM will show a quite strong growth in Revenue. The Revenue will grow by 8.25% on average per year.
EPS Next Y6.47%
EPS Next 2Y-8.35%
EPS Next 3Y8.7%
EPS Next 5Y17.52%
Revenue Next Year9.45%
Revenue Next 2Y7.45%
Revenue Next 3Y7.24%
Revenue Next 5Y8.25%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.64, 1HUM is valued correctly.
81.25% of the companies in the same industry are more expensive than 1HUM, based on the Price/Earnings ratio.
1HUM is valuated cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 17.59, which indicates a rather expensive current valuation of 1HUM.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1HUM is on the same level as its industry peers.
1HUM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 17.59 |
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 68.75% of the companies listed in the same industry.
1HUM's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.59 | ||
| EV/EBITDA | 8.39 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1HUM does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.95
PEG (5Y)N/A
EPS Next 2Y-8.35%
EPS Next 3Y8.7%
5. Dividend
5.1 Amount
1HUM has a Yearly Dividend Yield of 1.59%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.09, 1HUM pays a bit more dividend than its industry peers.
Compared to the average S&P500 Dividend Yield of 2.41, 1HUM is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
5.2 History
On average, the dividend of 1HUM grows each year by 10.32%, which is quite nice.
Dividend Growth(5Y)10.32%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
33.23% of the earnings are spent on dividend by 1HUM. This is a low number and sustainable payout ratio.
1HUM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.23%
EPS Next 2Y-8.35%
EPS Next 3Y8.7%
BIT:1HUM (11/13/2025, 7:00:00 PM)
207.6
-47.8 (-18.72%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners96.29%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap24.97B
Revenue(TTM)126.36B
Net Income(TTM)1.29B
Analysts69.09
Price Target249.6 (20.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
Yearly Dividend3.08
Dividend Growth(5Y)10.32%
DP33.23%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.33%
Min EPS beat(2)4.86%
Max EPS beat(2)13.8%
EPS beat(4)4
Avg EPS beat(4)8.44%
Min EPS beat(4)1.21%
Max EPS beat(4)13.88%
EPS beat(8)7
Avg EPS beat(8)-10.49%
EPS beat(12)11
Avg EPS beat(12)-5.49%
EPS beat(16)15
Avg EPS beat(16)-1.37%
Revenue beat(2)2
Avg Revenue beat(2)0.76%
Min Revenue beat(2)0.55%
Max Revenue beat(2)0.98%
Revenue beat(4)3
Avg Revenue beat(4)0.11%
Min Revenue beat(4)-1.32%
Max Revenue beat(4)0.98%
Revenue beat(8)7
Avg Revenue beat(8)1.32%
Revenue beat(12)10
Avg Revenue beat(12)1.07%
Revenue beat(16)11
Avg Revenue beat(16)0.69%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-9.22%
EPS NQ rev (3m)-9.28%
EPS NY rev (1m)0.18%
EPS NY rev (3m)0.18%
Revenue NQ rev (1m)0.63%
Revenue NQ rev (3m)0.6%
Revenue NY rev (1m)-0.18%
Revenue NY rev (3m)-0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 17.59 | ||
| P/S | 0.23 | ||
| P/FCF | 18.59 | ||
| P/OCF | 14.07 | ||
| P/B | 1.55 | ||
| P/tB | 3.75 | ||
| EV/EBITDA | 8.39 |
EPS(TTM)16.43
EY7.91%
EPS(NY)11.81
Fwd EY5.69%
FCF(TTM)11.17
FCFY5.38%
OCF(TTM)14.76
OCFY7.11%
SpS912.02
BVpS133.68
TBVpS55.38
PEG (NY)1.95
PEG (5Y)N/A
Graham Number222.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.6% | ||
| ROE | 6.97% | ||
| ROCE | 7.78% | ||
| ROIC | 5.89% | ||
| ROICexc | 6.71% | ||
| ROICexgc | 15.24% | ||
| OM | 2.71% | ||
| PM (TTM) | 1.02% | ||
| GM | N/A | ||
| FCFM | 1.22% |
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%
ROICexgc growth 3Y-14.61%
ROICexgc 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 Turnover2.54
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 8.15 | ||
| Debt/EBITDA | 2.94 | ||
| Cap/Depr | 57.24% | ||
| Cap/Sales | 0.39% | ||
| Interest Coverage | 5.62 | ||
| Cash Conversion | 47.68% | ||
| Profit Quality | 119.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.48%
ROIC/WACC0.69
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)3.78%
EPS 3Y-7.76%
EPS 5Y-1.92%
EPS Q2Q%-22.12%
EPS Next Y6.47%
EPS Next 2Y-8.35%
EPS Next 3Y8.7%
EPS Next 5Y17.52%
Revenue 1Y (TTM)9.87%
Revenue growth 3Y12.34%
Revenue growth 5Y12.66%
Sales Q2Q%11.06%
Revenue Next Year9.45%
Revenue Next 2Y7.45%
Revenue Next 3Y7.24%
Revenue Next 5Y8.25%
EBIT growth 1Y-0.98%
EBIT growth 3Y-2.43%
EBIT growth 5Y-0.95%
EBIT Next Year33.4%
EBIT Next 3Y14.84%
EBIT Next 5Y14.56%
FCF growth 1Y-69.12%
FCF growth 3Y36.22%
FCF growth 5Y-12.07%
OCF growth 1Y-65.85%
OCF growth 3Y9.45%
OCF growth 5Y-10.91%
HUMANA INC / 1HUM.MI FAQ
What is the fundamental rating for 1HUM stock?
ChartMill assigns a fundamental rating of 4 / 10 to 1HUM.MI.
What is the valuation status of HUMANA INC (1HUM.MI) stock?
ChartMill assigns a valuation rating of 4 / 10 to HUMANA INC (1HUM.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for HUMANA INC?
HUMANA INC (1HUM.MI) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for 1HUM stock?
The Price/Earnings (PE) ratio for HUMANA INC (1HUM.MI) is 12.64 and the Price/Book (PB) ratio is 1.55.
Is the dividend of HUMANA INC sustainable?
The dividend rating of HUMANA INC (1HUM.MI) is 5 / 10 and the dividend payout ratio is 33.23%.