HUMANA INC (HUM) Stock Fundamental Analysis

NYSE:HUM • US4448591028

190.5 USD
+3.38 (+1.81%)
At close: Feb 19, 2026
190.5 USD
0 (0%)
After Hours: 2/19/2026, 6:30:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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 has a correct valuation and a medium growth rate. HUM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.43%, HUM is in line with its industry, outperforming 58.82% of the companies in the same industry.
  • The Return On Equity of HUM (6.73%) is better than 61.76% of its industry peers.
  • With a decent Return On Invested Capital value of 5.64%, HUM is doing good in the industry, outperforming 60.78% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for HUM is below the industry average of 8.98%.
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%
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 53.92% of the companies in the same industry.
  • In the last couple of years the Profit Margin of HUM has declined.
  • With a Operating Margin value of 2.33%, HUM perfoms like the industry average, outperforming 50.98% of the companies in the same industry.
  • In the last couple of years the Operating Margin of HUM has declined.
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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

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
  • The debt/assets ratio for HUM is higher compared to a year ago.
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

  • The Debt to FCF ratio of HUM is 32.98, which is on the high side as it means it would take HUM, 32.98 years of fcf income to pay off all of its debts.
  • HUM has a Debt to FCF ratio of 32.98. This is in the lower half of the industry: HUM underperforms 61.76% of its industry peers.
  • HUM has a Debt/Equity ratio of 0.70. This is a neutral value indicating HUM is somewhat dependend on debt financing.
  • The Debt to Equity ratio of HUM (0.70) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 32.98
Altman-Z N/A
ROIC/WACC0.69
WACC8.14%
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. Growth

3.1 Past

  • HUM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.81%.
  • HUM shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.78% yearly.
  • HUM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.11%.
  • 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, HUM will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.65% on average per year.
  • The Revenue is expected to grow by 9.05% on average over the next years. This is quite good.
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

  • 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 stable.
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
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • HUM is valuated reasonably with a Price/Earnings ratio of 11.12.
  • Compared to the rest of the industry, the Price/Earnings ratio of HUM indicates a rather cheap valuation: HUM is cheaper than 89.22% of the companies listed in the same industry.
  • HUM is valuated cheaply when we compare the Price/Earnings ratio to 27.09, which is the current average of the S&P500 Index.
  • HUM is valuated correctly with a Price/Forward Earnings ratio of 15.82.
  • Based on the Price/Forward Earnings ratio, HUM is valued a bit cheaper than the industry average as 76.47% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.98. HUM is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 11.12
Fwd PE 15.82
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 78.43% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as HUM.
Industry RankSector Rank
P/FCF 61.1
EV/EBITDA 7.97
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

  • A more expensive valuation may be justified as HUM'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%

More info and screens

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

7

5. Dividend

5.1 Amount

  • HUM has a Yearly Dividend Yield of 1.91%. Purely for dividend investing, there may be better candidates out there.
  • HUM's Dividend Yield is rather good when compared to the industry average which is at 0.48. HUM pays more dividend than 91.18% of the companies in the same industry.
  • HUM's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 1.91%

5.2 History

  • The dividend of HUM is nicely growing with an annual growth rate of 7.57%!
  • HUM has paid a dividend for at least 10 years, which is 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 1 2 3

5.3 Sustainability

  • HUM pays out 36.20% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of HUM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.2%
EPS Next 2Y6.77%
EPS Next 3Y25.45%
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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Find the best dividend stocksShow peers with best dividend

HUMANA INC

NYSE:HUM (2/19/2026, 6:30:00 PM)

After market: 190.5 0 (0%)

190.5

+3.38 (+1.81%)

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 Owners99.16%
Inst Owner Change2.89%
Ins Owners0.14%
Ins Owner Change2.25%
Market Cap22.91B
Revenue(TTM)129.66B
Net Income(TTM)1.19B
Analysts69.7
Price Target291.69 (53.12%)
Short Float %4.88%
Short Ratio2.94
Dividend
Industry RankSector Rank
Dividend Yield 1.91%
Yearly Dividend3.57
Dividend Growth(5Y)7.57%
DP36.2%
Div Incr Years0
Div Non Decr Years8
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)2.34%
Revenue beat(12)8
Avg Revenue beat(12)0.92%
Revenue beat(16)9
Avg Revenue beat(16)0.61%
PT rev (1m)-0.85%
PT rev (3m)-2.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.9%
EPS NY rev (1m)0.13%
EPS NY rev (3m)0.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.9%
Valuation
Industry RankSector Rank
PE 11.12
Fwd PE 15.82
P/S 0.18
P/FCF 61.1
P/OCF 24.88
P/B 1.3
P/tB 2.87
EV/EBITDA 7.97
EPS(TTM)17.13
EY8.99%
EPS(NY)12.04
Fwd EY6.32%
FCF(TTM)3.12
FCFY1.64%
OCF(TTM)7.66
OCFY4.02%
SpS1078.11
BVpS146.81
TBVpS66.28
PEG (NY)N/A
PEG (5Y)N/A
Graham Number237.88
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
WACC8.14%
ROIC/WACC0.69
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-3.46%
EBIT Next 3Y22.41%
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 / HUM 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%.