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HUMANA INC (HUM) Stock Fundamental Analysis

USA - NYSE:HUM - US4448591028 - Common Stock

256.62 USD
+9.85 (+3.99%)
Last: 10/2/2025, 8:04:50 PM
257.02 USD
+0.4 (+0.16%)
Pre-Market: 10/3/2025, 4:28:22 AM
Fundamental Rating

4

HUM gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 industry peers in the Health Care Providers & Services industry. HUM has a medium profitability rating, but doesn't score so well on its financial health evaluation. HUM has a decent growth rate and is not valued too expensively. Finally HUM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

HUM had positive earnings in the past year.
HUM had a positive operating cash flow in the past year.
Each year in the past 5 years HUM has been profitable.
HUM had a positive operating cash flow in each of the past 5 years.
HUM Yearly Net Income VS EBIT VS OCF VS FCFHUM 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

HUM's Return On Assets of 3.13% is fine compared to the rest of the industry. HUM outperforms 66.34% of its industry peers.
HUM's Return On Equity of 8.64% is fine compared to the rest of the industry. HUM outperforms 70.30% of its industry peers.
With a decent Return On Invested Capital value of 6.01%, HUM is doing good in the industry, outperforming 63.37% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for HUM is in line with the industry average of 9.19%.
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%
HUM Yearly ROA, ROE, ROICHUM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

HUM's Profit Margin of 1.28% is in line compared to the rest of the industry. HUM outperforms 59.41% of its industry peers.
HUM's Profit Margin has declined in the last couple of years.
HUM has a Operating Margin of 2.87%. This is comparable to the rest of the industry: HUM outperforms 54.46% of its industry peers.
In the last couple of years the Operating Margin of HUM has declined.
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
HUM Yearly Profit, Operating, Gross MarginsHUM 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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HUM is destroying value.
The number of shares outstanding for HUM has been reduced compared to 1 year ago.
Compared to 5 years ago, HUM has less shares outstanding
The debt/assets ratio for HUM is higher compared to a year ago.
HUM Yearly Shares OutstandingHUM Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
HUM Yearly Total Debt VS Total AssetsHUM 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

HUM has a debt to FCF ratio of 5.16. This is a neutral value as HUM would need 5.16 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 5.16, HUM is doing good in the industry, outperforming 67.33% of the companies in the same industry.
A Debt/Equity ratio of 0.69 indicates that HUM is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.69, HUM is in line with its industry, outperforming 52.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 5.16
Altman-Z N/A
ROIC/WACC0.72
WACC8.3%
HUM Yearly LT Debt VS Equity VS FCFHUM 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
HUM Yearly Current Assets VS Current LiabilitesHUM 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

HUM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.19%.
The Earnings Per Share has been decreasing by -1.92% on average over the past years.
Looking at the last year, HUM shows a quite strong growth in Revenue. The Revenue has grown by 9.88% in the last year.
Measured over the past years, HUM 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%10.24%

3.2 Future

HUM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.81% yearly.
The Revenue is expected to grow by 7.89% on average over the next years.
EPS Next Y6.49%
EPS Next 2Y-7.8%
EPS Next 3Y9.26%
EPS Next 5Y16.81%
Revenue Next Year9.69%
Revenue Next 2Y7.22%
Revenue Next 3Y6.97%
Revenue Next 5Y7.89%

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 decreasing.
HUM Yearly Revenue VS EstimatesHUM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 50B 100B 150B 200B
HUM Yearly EPS VS EstimatesHUM 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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.93, HUM is valued correctly.
HUM's Price/Earnings ratio is rather cheap when compared to the industry. HUM is cheaper than 86.14% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.86, HUM is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 18.65, the valuation of HUM can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HUM indicates a somewhat cheap valuation: HUM is cheaper than 65.35% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.29, HUM is valued at the same level.
Industry RankSector Rank
PE 12.93
Fwd PE 18.65
HUM Price Earnings VS Forward Price EarningsHUM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, HUM is valued a bit cheaper than the industry average as 78.22% of the companies are valued more expensively.
83.17% of the companies in the same industry are more expensive than HUM, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 12.65
EV/EBITDA 8.87
HUM Per share dataHUM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600 800 1K

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)1.99
PEG (5Y)N/A
EPS Next 2Y-7.8%
EPS Next 3Y9.26%

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7

5. Dividend

5.1 Amount

HUM has a Yearly Dividend Yield of 1.35%.
HUM's Dividend Yield is rather good when compared to the industry average which is at 2.41. HUM pays more dividend than 87.13% of the companies in the same industry.
With a Dividend Yield of 1.35, HUM pays less dividend than the S&P500 average, which is at 2.41.
Industry RankSector Rank
Dividend Yield 1.35%

5.2 History

The dividend of HUM is nicely growing with an annual growth rate of 10.32%!
HUM has paid a dividend for at least 10 years, which is a reliable track record.
HUM has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)10.32%
Div Incr Years0
Div Non Decr Years8
HUM Yearly Dividends per shareHUM Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

HUM pays out 27.22% of its income as dividend. This is a sustainable payout ratio.
HUM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.22%
EPS Next 2Y-7.8%
EPS Next 3Y9.26%
HUM Yearly Income VS Free CF VS DividendHUM 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
HUM Dividend Payout.HUM Dividend Payout, showing the Payout Ratio.HUM Dividend Payout.PayoutRetained Earnings

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HUMANA INC

NYSE:HUM (10/2/2025, 8:04:50 PM)

Premarket: 257.02 +0.4 (+0.16%)

256.62

+9.85 (+3.99%)

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 Owners96.29%
Inst Owner Change-0.96%
Ins Owners0.13%
Ins Owner Change0.01%
Market Cap30.86B
Analysts70.32
Price Target302.02 (17.69%)
Short Float %3.4%
Short Ratio2.2
Dividend
Industry RankSector Rank
Dividend Yield 1.35%
Yearly Dividend3.55
Dividend Growth(5Y)10.32%
DP27.22%
Div Incr Years0
Div Non Decr Years8
Ex-Date09-26 2025-09-26 (0.885)
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)0.16%
Min Revenue beat(4)-1.32%
Max Revenue beat(4)1.18%
Revenue beat(8)6
Avg Revenue beat(8)0.48%
Revenue beat(12)6
Avg Revenue beat(12)-0.42%
Revenue beat(16)7
Avg Revenue beat(16)-0.51%
PT rev (1m)2.47%
PT rev (3m)0.8%
EPS NQ rev (1m)-0.24%
EPS NQ rev (3m)11.55%
EPS NY rev (1m)0.2%
EPS NY rev (3m)4.31%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)1.69%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.27%
Valuation
Industry RankSector Rank
PE 12.93
Fwd PE 18.65
P/S 0.25
P/FCF 12.65
P/OCF 10.53
P/B 1.69
P/tB 4.27
EV/EBITDA 8.87
EPS(TTM)19.85
EY7.74%
EPS(NY)13.76
Fwd EY5.36%
FCF(TTM)20.28
FCFY7.9%
OCF(TTM)24.38
OCFY9.5%
SpS1023.61
BVpS151.61
TBVpS60.04
PEG (NY)1.99
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
WACC8.3%
ROIC/WACC0.72
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 Y6.49%
EPS Next 2Y-7.8%
EPS Next 3Y9.26%
EPS Next 5Y16.81%
Revenue 1Y (TTM)9.88%
Revenue growth 3Y12.34%
Revenue growth 5Y12.66%
Sales Q2Q%10.24%
Revenue Next Year9.69%
Revenue Next 2Y7.22%
Revenue Next 3Y6.97%
Revenue Next 5Y7.89%
EBIT growth 1Y-8.8%
EBIT growth 3Y-2.43%
EBIT growth 5Y-0.95%
EBIT Next Year33.4%
EBIT Next 3Y14.84%
EBIT Next 5Y14.4%
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%