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

BIT:1HUM • US4448591028

Current stock price

155.2 EUR
-2 (-1.27%)
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

  • 1HUM had positive earnings in the past year.
  • In the past year 1HUM had a positive cash flow from operations.
  • 1HUM had positive earnings in each of the past 5 years.
  • Each year in the past 5 years 1HUM had a positive operating cash flow.
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

  • The Return On Assets of 1HUM (2.43%) is comparable to the rest of the industry.
  • 1HUM's Return On Equity of 6.73% is in line compared to the rest of the industry. 1HUM outperforms 48.48% of its industry peers.
  • 1HUM has a Return On Invested Capital (5.64%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for 1HUM is in line with the industry average of 6.44%.
Industry RankSector Rank
ROA 2.43%
ROE 6.73%
ROIC 5.64%
ROA(3y)3.44%
ROA(5y)4.69%
ROE(3y)9.8%
ROE(5y)13.19%
ROIC(3y)6.88%
ROIC(5y)7.41%
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

  • 1HUM has a worse Profit Margin (0.92%) than 63.64% of its industry peers.
  • 1HUM's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 2.33%, 1HUM is doing worse than 75.76% of the companies in the same industry.
  • 1HUM's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 2.33%
PM (TTM) 0.92%
GM N/A
OM growth 3Y-22.45%
OM growth 5Y-20.24%
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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1HUM is destroying value.
  • The number of shares outstanding for 1HUM remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for 1HUM has been reduced compared to 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.
  • 1HUM has a Debt to FCF ratio of 32.98. This is in the lower half of the industry: 1HUM underperforms 69.70% of its industry peers.
  • 1HUM has a Debt/Equity ratio of 0.70. This is a neutral value indicating 1HUM is somewhat dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.70, 1HUM is doing good in the industry, outperforming 72.73% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 32.98
Altman-Z N/A
ROIC/WACC0.71
WACC7.9%
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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6

3. 1HUM.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.81% over the past year.
  • 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.
  • Looking at the last year, 1HUM shows a quite strong growth in Revenue. The Revenue has grown by 10.11% in the last year.
  • 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

  • Based on estimates for the next years, 1HUM will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.65% on average per year.
  • Based on estimates for the next years, 1HUM will show a quite strong growth in Revenue. The Revenue will grow by 9.05% on average per year.
EPS Next Y-29.7%
EPS Next 2Y6.77%
EPS Next 3Y25.45%
EPS Next 5Y17.65%
Revenue Next Year20.85%
Revenue Next 2Y14.05%
Revenue Next 3Y12.01%
Revenue Next 5Y9.05%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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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4

4. 1HUM.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.46 indicates a reasonable valuation of 1HUM.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1HUM indicates a rather cheap valuation: 1HUM is cheaper than 87.88% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of 1HUM to the average of the S&P500 Index (25.71), we can say 1HUM is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 14.88, the valuation of 1HUM can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1HUM is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, 1HUM is valued a bit cheaper.
Industry RankSector Rank
PE 10.46
Fwd PE 14.88
1HUM.MI Price Earnings VS Forward Price Earnings1HUM.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, 1HUM is valued a bit cheaper than 60.61% of the companies in the same industry.
  • 69.70% of the companies in the same industry are cheaper than 1HUM, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 57.48
EV/EBITDA 7.72
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 25.45% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.77%
EPS Next 3Y25.45%

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

6

5. 1HUM.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.16%, 1HUM has a reasonable but not impressive dividend return.
  • 1HUM's Dividend Yield is a higher than the industry average which is at 1.69.
  • Compared to an average S&P500 Dividend Yield of 1.91, 1HUM has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.16%

5.2 History

  • On average, the dividend of 1HUM grows each year by 7.57%, which is quite nice.
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.
  • The dividend of 1HUM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.2%
EPS Next 2Y6.77%
EPS Next 3Y25.45%
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 (3/5/2026, 7:00:00 PM)

155.2

-2 (-1.27%)

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 Cap18.72B
Revenue(TTM)129.66B
Net Income(TTM)1.19B
Analysts68.48
Price Target205.42 (32.36%)
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 10.46
Fwd PE 14.88
P/S 0.17
P/FCF 57.48
P/OCF 23.4
P/B 1.22
P/tB 2.7
EV/EBITDA 7.72
EPS(TTM)14.84
EY9.56%
EPS(NY)10.43
Fwd EY6.72%
FCF(TTM)2.7
FCFY1.74%
OCF(TTM)6.63
OCFY4.27%
SpS933.67
BVpS127.14
TBVpS57.4
PEG (NY)N/A
PEG (5Y)N/A
Graham Number206.04
Profitability
Industry RankSector Rank
ROA 2.43%
ROE 6.73%
ROCE 7.06%
ROIC 5.64%
ROICexc 6.26%
ROICexgc 14.87%
OM 2.33%
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)6.88%
ROIC(5y)7.41%
ROICexc(3y)7.62%
ROICexc(5y)8.3%
ROICexgc(3y)16.85%
ROICexgc(5y)19.46%
ROCE(3y)8.7%
ROCE(5y)9.4%
ROICexgc growth 3Y-19.68%
ROICexgc growth 5Y-14.63%
ROICexc growth 3Y-19.88%
ROICexc growth 5Y-18.89%
OM growth 3Y-22.45%
OM growth 5Y-20.24%
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 3.21
Cap/Depr 66.26%
Cap/Sales 0.42%
Interest Coverage 250
Cash Conversion 23.93%
Profit Quality 31.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.9%
ROIC/WACC0.71
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-29.7%
EPS Next 2Y6.77%
EPS Next 3Y25.45%
EPS Next 5Y17.65%
Revenue 1Y (TTM)10.11%
Revenue growth 3Y11.77%
Revenue growth 5Y10.94%
Sales Q2Q%25.48%
Revenue Next Year20.85%
Revenue Next 2Y14.05%
Revenue Next 3Y12.01%
Revenue Next 5Y9.05%
EBIT growth 1Y6.33%
EBIT growth 3Y-13.33%
EBIT growth 5Y-11.52%
EBIT Next Year-17.89%
EBIT Next 3Y17.58%
EBIT Next 5Y18.47%
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 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 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 10.46 and the Price/Book (PB) ratio is 1.22.


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%.