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HUMANA INC (HUM) Stock Fundamental Analysis

NYSE:HUM - New York Stock Exchange, Inc. - US4448591028 - Common Stock - Currency: USD

255.31  +7.97 (+3.22%)

After market: 254.7 -0.61 (-0.24%)

Fundamental Rating

4

HUM gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 102 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 is not valued too expensively and it also shows a decent growth rate. HUM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year HUM was profitable.
HUM had a positive operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

1.2 Ratios

With a decent Return On Assets value of 3.36%, HUM is doing good in the industry, outperforming 67.65% of the companies in the same industry.
HUM's Return On Equity of 9.63% is fine compared to the rest of the industry. HUM outperforms 73.53% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.12%, HUM is in the better half of the industry, outperforming 63.73% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for HUM is in line with the industry average of 9.53%.
Industry RankSector Rank
ROA 3.36%
ROE 9.63%
ROIC 6.12%
ROA(3y)4.8%
ROA(5y)6.13%
ROE(3y)13.67%
ROE(5y)16.75%
ROIC(3y)7.81%
ROIC(5y)8.56%
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 1.42% is in line compared to the rest of the industry. HUM outperforms 56.86% of its industry peers.
HUM's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 3.01%, HUM is in line with its industry, outperforming 51.96% of the companies in the same industry.
In the last couple of years the Operating Margin of HUM has declined.
Industry RankSector Rank
OM 3.01%
PM (TTM) 1.42%
GM N/A
OM growth 3Y-12.91%
OM growth 5Y-11.94%
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

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HUM is still creating some value.
HUM has less shares outstanding than it did 1 year ago.
The number of shares outstanding for HUM has been reduced compared to 5 years ago.
Compared to 1 year ago, HUM has a worse debt to assets ratio.
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

The Debt to FCF ratio of HUM is 5.59, which is a neutral value as it means it would take HUM, 5.59 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of HUM (5.59) is better than 60.78% of its industry peers.
A Debt/Equity ratio of 0.72 indicates that HUM is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.72, HUM is in line with its industry, outperforming 49.02% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 5.59
Altman-Z N/A
ROIC/WACC0.79
WACC7.77%
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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5

3. Growth

3.1 Past

The earnings per share for HUM have decreased strongly by -13.84% in the last year.
The Earnings Per Share has been decreasing by -1.92% on average over the past years.
The Revenue has grown by 10.09% in the past year. This is quite good.
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)-13.84%
EPS 3Y-7.76%
EPS 5Y-1.92%
EPS Q2Q%60.17%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y12.34%
Revenue growth 5Y12.66%
Sales Q2Q%9.48%

3.2 Future

HUM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.83% yearly.
The Revenue is expected to grow by 7.52% on average over the next years.
EPS Next Y2.06%
EPS Next 2Y-4.13%
EPS Next 3Y10.74%
EPS Next 5Y20.83%
Revenue Next Year8.32%
Revenue Next 2Y5.57%
Revenue Next 3Y6.64%
Revenue Next 5Y7.52%

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 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 50

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.43, HUM is valued correctly.
HUM's Price/Earnings ratio is rather cheap when compared to the industry. HUM is cheaper than 85.29% of the companies in the same industry.
HUM is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 17.16 indicates a rather expensive valuation of HUM.
71.57% of the companies in the same industry are more expensive than HUM, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of HUM to the average of the S&P500 Index (22.43), we can say HUM is valued slightly cheaper.
Industry RankSector Rank
PE 12.43
Fwd PE 17.16
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

HUM's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. HUM is cheaper than 79.41% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, HUM is valued cheaper than 81.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.94
EV/EBITDA 8.54
HUM Per share dataHUM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600 800

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)6.05
PEG (5Y)N/A
EPS Next 2Y-4.13%
EPS Next 3Y10.74%

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7

5. Dividend

5.1 Amount

HUM has a Yearly Dividend Yield of 1.56%.
Compared to an average industry Dividend Yield of 2.46, HUM pays a better dividend. On top of this HUM pays more dividend than 87.25% of the companies listed in the same industry.
Compared to the average S&P500 Dividend Yield of 2.36, HUM is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.56%

5.2 History

On average, the dividend of HUM grows each year by 10.32%, which is quite nice.
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 Years7
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

25.15% of the earnings are spent on dividend by HUM. This is a low number and sustainable payout ratio.
The dividend of HUM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP25.15%
EPS Next 2Y-4.13%
EPS Next 3Y10.74%
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 (5/20/2025, 8:04:00 PM)

After market: 254.7 -0.61 (-0.24%)

255.31

+7.97 (+3.22%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-30 2025-07-30/amc
Inst Owners97.76%
Inst Owner Change-1.49%
Ins Owners0.12%
Ins Owner Change5.99%
Market Cap30.81B
Analysts69.68
Price Target311.57 (22.04%)
Short Float %2.57%
Short Ratio1.94
Dividend
Industry RankSector Rank
Dividend Yield 1.56%
Yearly Dividend3.55
Dividend Growth(5Y)10.32%
DP25.15%
Div Incr Years7
Div Non Decr Years8
Ex-Date06-27 2025-06-27 (0.885)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.54%
Min EPS beat(2)1.21%
Max EPS beat(2)13.88%
EPS beat(4)4
Avg EPS beat(4)13.48%
Min EPS beat(4)1.21%
Max EPS beat(4)20.98%
EPS beat(8)7
Avg EPS beat(8)-11.83%
EPS beat(12)11
Avg EPS beat(12)-5.35%
EPS beat(16)14
Avg EPS beat(16)-2.37%
Revenue beat(2)1
Avg Revenue beat(2)-0.54%
Min Revenue beat(2)-1.32%
Max Revenue beat(2)0.25%
Revenue beat(4)3
Avg Revenue beat(4)0.53%
Min Revenue beat(4)-1.32%
Max Revenue beat(4)2.01%
Revenue beat(8)5
Avg Revenue beat(8)0.05%
Revenue beat(12)5
Avg Revenue beat(12)-0.48%
Revenue beat(16)6
Avg Revenue beat(16)-0.57%
PT rev (1m)4.2%
PT rev (3m)4.69%
EPS NQ rev (1m)-3.36%
EPS NQ rev (3m)-2.44%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)-0.89%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)1.44%
Revenue NY rev (1m)0.98%
Revenue NY rev (3m)6.16%
Valuation
Industry RankSector Rank
PE 12.43
Fwd PE 17.16
P/S 0.26
P/FCF 12.94
P/OCF 10.72
P/B 1.74
P/tB 4.6
EV/EBITDA 8.54
EPS(TTM)20.54
EY8.05%
EPS(NY)14.88
Fwd EY5.83%
FCF(TTM)19.73
FCFY7.73%
OCF(TTM)23.81
OCFY9.33%
SpS996.45
BVpS147.08
TBVpS55.46
PEG (NY)6.05
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.36%
ROE 9.63%
ROCE 8.09%
ROIC 6.12%
ROICexc 6.76%
ROICexgc 13.94%
OM 3.01%
PM (TTM) 1.42%
GM N/A
FCFM 1.98%
ROA(3y)4.8%
ROA(5y)6.13%
ROE(3y)13.67%
ROE(5y)16.75%
ROIC(3y)7.81%
ROIC(5y)8.56%
ROICexc(3y)8.81%
ROICexc(5y)9.77%
ROICexgc(3y)19.7%
ROICexgc(5y)21.36%
ROCE(3y)10.51%
ROCE(5y)11.49%
ROICexcg growth 3Y-14.38%
ROICexcg growth 5Y-10.4%
ROICexc growth 3Y-5.81%
ROICexc growth 5Y-12.39%
OM growth 3Y-12.91%
OM growth 5Y-11.94%
PM growth 3Y-33.79%
PM growth 5Y-24.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover2.36
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 5.59
Debt/EBITDA 2.79
Cap/Depr 52.39%
Cap/Sales 0.41%
Interest Coverage 6.36
Cash Conversion 63.05%
Profit Quality 139.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.77%
ROIC/WACC0.79
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)-13.84%
EPS 3Y-7.76%
EPS 5Y-1.92%
EPS Q2Q%60.17%
EPS Next Y2.06%
EPS Next 2Y-4.13%
EPS Next 3Y10.74%
EPS Next 5Y20.83%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y12.34%
Revenue growth 5Y12.66%
Sales Q2Q%9.48%
Revenue Next Year8.32%
Revenue Next 2Y5.57%
Revenue Next 3Y6.64%
Revenue Next 5Y7.52%
EBIT growth 1Y-11.93%
EBIT growth 3Y-2.16%
EBIT growth 5Y-0.79%
EBIT Next Year27.3%
EBIT Next 3Y14.53%
EBIT Next 5Y15.22%
FCF growth 1Y-76.01%
FCF growth 3Y36.22%
FCF growth 5Y-12.07%
OCF growth 1Y-73.81%
OCF growth 3Y9.45%
OCF growth 5Y-10.91%