HUMANA INC (HUM) Fundamental Analysis & Valuation

NYSE:HUM • US4448591028

Current stock price

170.35 USD
-3.91 (-2.24%)
Last:

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

4

1. HUM Profitability Analysis

1.1 Basic Checks

  • HUM had positive earnings in the past year.
  • In the past year HUM had a positive cash flow from operations.
  • In the past 5 years HUM has always been profitable.
  • In the past 5 years HUM always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • HUM has a Return On Assets of 2.43%. This is comparable to the rest of the industry: HUM outperforms 57.00% of its industry peers.
  • The Return On Equity of HUM (6.73%) is better than 62.00% of its industry peers.
  • HUM's Return On Invested Capital of 6.36% is fine compared to the rest of the industry. HUM outperforms 64.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for HUM is in line with the industry average of 8.85%.
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%
HUM Yearly ROA, ROE, ROICHUM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 0.92%, HUM is in line with its industry, outperforming 54.00% of the companies in the same industry.
  • HUM's Profit Margin has declined in the last couple of years.
  • HUM has a Operating Margin of 2.63%. This is comparable to the rest of the industry: HUM outperforms 51.00% of its industry peers.
  • HUM'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
HUM Yearly Profit, Operating, Gross MarginsHUM 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. HUM Health Analysis

2.1 Basic Checks

  • HUM has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, HUM has about the same amount of shares outstanding.
  • Compared to 5 years ago, HUM has less shares outstanding
  • Compared to 1 year ago, HUM has a worse debt to assets ratio.
HUM Yearly Shares OutstandingHUM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
HUM Yearly Total Debt VS Total AssetsHUM 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

  • HUM has a debt to FCF ratio of 32.98. This is a negative value and a sign of low solvency as HUM would need 32.98 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 32.98, HUM is doing worse than 66.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.70 indicates that HUM is somewhat dependend on debt financing.
  • HUM has a Debt to Equity ratio (0.70) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 32.98
Altman-Z N/A
ROIC/WACC0.78
WACC8.17%
HUM Yearly LT Debt VS Equity VS FCFHUM 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
HUM Yearly Current Assets VS Current LiabilitesHUM 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. HUM Growth Analysis

3.1 Past

  • HUM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.81%.
  • The Earnings Per Share has been decreasing by -1.78% on average over the past years.
  • HUM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.11%.
  • Measured over the past years, HUM shows a quite strong growth in Revenue. The Revenue has been growing by 10.94% on average per year.
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

  • HUM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.97% yearly.
  • HUM 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 Year24.56%
Revenue Next 2Y14.95%
Revenue Next 3Y12.4%
Revenue Next 5Y10.51%

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 stable: in the next years the growth will be about the same than in the last years.
HUM Yearly Revenue VS EstimatesHUM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B 200B 250B
HUM Yearly EPS VS EstimatesHUM 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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5

4. HUM Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.94, the valuation of HUM can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of HUM indicates a rather cheap valuation: HUM is cheaper than 92.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, HUM is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 18.40, HUM is valued on the expensive side.
  • Based on the Price/Forward Earnings ratio, HUM is valued a bit cheaper than the industry average as 62.00% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.51. HUM is around the same levels.
Industry RankSector Rank
PE 9.94
Fwd PE 18.4
HUM Price Earnings VS Forward Price EarningsHUM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HUM indicates a rather cheap valuation: HUM is cheaper than 87.00% of the companies listed in the same industry.
  • HUM's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 54.53
EV/EBITDA 6.9
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

  • HUM's earnings are expected to grow with 14.43% in the coming years. This may justify a more expensive valuation.
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

7

5. HUM Dividend Analysis

5.1 Amount

  • HUM has a Yearly Dividend Yield of 2.13%.
  • In the last 3 months the price of HUM has falen by -32.33%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • HUM's Dividend Yield is rather good when compared to the industry average which is at 0.50. HUM pays more dividend than 91.00% of the companies in the same industry.
  • HUM's Dividend Yield is comparable with the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 2.13%

5.2 History

  • On average, the dividend of HUM grows each year by 7.57%, which is quite nice.
  • HUM has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As HUM did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)7.57%
Div Incr Years0
Div Non Decr Years8
HUM Yearly Dividends per shareHUM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 36.20% of the earnings are spent on dividend by HUM. This is a low number and sustainable payout ratio.
  • HUM'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%
HUM Yearly Income VS Free CF VS DividendHUM 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
HUM Dividend Payout.HUM Dividend Payout, showing the Payout Ratio.HUM Dividend Payout.PayoutRetained Earnings

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HUM Fundamentals: All Metrics, Ratios and Statistics

HUMANA INC

NYSE:HUM (3/27/2026, 11:03:55 AM)

170.35

-3.91 (-2.24%)

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 Change3.21%
Ins Owners0.16%
Ins Owner Change8.5%
Market Cap20.45B
Revenue(TTM)129.66B
Net Income(TTM)1.19B
Analysts68.48
Price Target237.71 (39.54%)
Short Float %4.2%
Short Ratio2.42
Dividend
Industry RankSector Rank
Dividend Yield 2.13%
Yearly Dividend3.57
Dividend Growth(5Y)7.57%
DP36.2%
Div Incr Years0
Div Non Decr Years8
Ex-Date03-27
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)2.34%
Revenue beat(12)8
Avg Revenue beat(12)0.92%
Revenue beat(16)9
Avg Revenue beat(16)0.61%
PT rev (1m)-18.51%
PT rev (3m)-19.56%
EPS NQ rev (1m)1.08%
EPS NQ rev (3m)-6.27%
EPS NY rev (1m)-23.13%
EPS NY rev (3m)-24.91%
Revenue NQ rev (1m)1.83%
Revenue NQ rev (3m)9.37%
Revenue NY rev (1m)3.07%
Revenue NY rev (3m)11.47%
Valuation
Industry RankSector Rank
PE 9.94
Fwd PE 18.4
P/S 0.16
P/FCF 54.53
P/OCF 22.2
P/B 1.16
P/tB 2.99
EV/EBITDA 6.9
EPS(TTM)17.13
EY10.06%
EPS(NY)9.26
Fwd EY5.43%
FCF(TTM)3.12
FCFY1.83%
OCF(TTM)7.67
OCFY4.5%
SpS1080.08
BVpS147.08
TBVpS57
PEG (NY)N/A
PEG (5Y)N/A
Graham Number238.09
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
WACC8.17%
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 Year24.56%
Revenue Next 2Y14.95%
Revenue Next 3Y12.4%
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 / HUM Fundamental Analysis FAQ

What is the fundamental rating for HUM stock?

ChartMill assigns a fundamental rating of 4 / 10 to HUM.


What is the valuation status for HUM stock?

ChartMill assigns a valuation rating of 5 / 10 to HUMANA INC (HUM). This can be considered as Fairly Valued.


What is the profitability of HUM stock?

HUMANA INC (HUM) has a profitability rating of 4 / 10.


Can you provide the financial health for HUM stock?

The financial health rating of HUMANA INC (HUM) is 1 / 10.


How sustainable is the dividend of HUMANA INC (HUM) stock?

The dividend rating of HUMANA INC (HUM) is 7 / 10 and the dividend payout ratio is 36.2%.