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Humana Inc.
HUM: NYSELowest reading is at 16 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. James A. Rechtin M.B.A.
Market Cap
47.78 Billion USD
Sector
Healthcare
Website
https://www.humana.comLast Update
27/09/2026, 16:59:22
Description
Humana Inc. provides medical and specialty insurance products in the United States.
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Strongest readings
- ✔Altman-Z score of 4.99 sits above the distress range
- ✔Share count has been falling at 1.84% per year
- ✔Debt is low at 0.70 times equity
- ✔Financial health is strong (health score 60 out of 100)
Weakest readings
- ✘Earnings have fallen this year (-33.85%)
- ✘Revenue is growing at 10.70% per year while free cashflow is falling
- ✘Returns on capital have declined over five years (8.49% lower)
- ✘Price-to-earnings of 42.4 is above the market average of 19.6
- ✘Earnings and cashflow growth is weak (growth score 16 out of 100)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 42.42x | 19.60x | |
| ✘ | Margin of safety (DCF) | -60.98% | 17.95% | |
| ✘ | Revenue growth (5y average) | 10.70% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.90% | 1.85% | |
| ✔ | Share count, per year | -1.84% | 0.00% | |
| ✘ | Return on capital employed | 8.30% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
20 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 42.42x | 19.60x | |
| ✘ | Free cashflow yield | 2.66% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 2.56x | — | ||
| ✘ | Margin of safety | -60.98% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 155.28 USD is below the current price of 397.93 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 393.5 USD ✘
Current Price: 397.9 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
16 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 10.70% | 10.97% | |
| ✘ | Earnings growth | -9.50% | 14.48% | |
| ✘ | Cashflow growth | -19.68% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (14.08% against a five year average of 10.70%)
- ✘Earnings growth has slowed this year (-33.85% against a five year average of -9.50%)
- ✘Free cashflow growth has slowed this year
- ✘Revenue is growing at 10.70% per year while free cashflow is falling at 19.68% per year
Health
60 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.70x | 0.80x | |
| ✔ | Debt / total capital | 0.41x | 1.00x | |
| Equity / assets | 36.10% | — | ||
| ✔ | Interest coverage | 4.29x | 2.50x | |
| Underwriting loss ratio | 90.22% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
57 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 0.90% | 1.85% | |
| ✘ | Dividend growth | -0.23% | 0.00% | |
| ✔ | Payout ratio (earnings) | 37.96% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 33.73% | 65.00% | |
| ✔ | Worst year, last 5 years | -0.14% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
40 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 6.73% | 15.00% | |
| ✘ | Return on capital employed | 8.30% | 10.00% | |
| Return on assets | 2.43% | — | ||
| Free cashflow return on capital | 1.15% | — | ||
| ✘ | Return on capital, 5y change | -8.49% | 0.00% | |
| ✔ | Share count, per year | -1.84% | 0.00% | |
| ✔ | Share count, recent | -0.31% | 0.00% | |
| ✘ | Realized buyback return | -28.49% | 0.00% | |
| ✘ | Goodwill erosion / equity | 11.04% | 2.00% | |
| Price volatility, 5 year | 34.87% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Shares were repurchased while the value score was only 20 out of 100
- ✘Dividends were raised while earnings fell (dividend 4.97% per year, earnings -9.50% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
HUM
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Humana Inc.
Currency
USD
Beta
0.745
Vol Avg
1207401
Ceo
Mr. James A. Rechtin M.B.A.
Cik
0000049071
Cusip
Exchange
NYSE
Full Time Employees
67060
Industry
Healthcare Plans
Sector
Healthcare
Ipo Date
Address
Humana Building
City
Louisville
State
KY
Country
United States
Zip
40202
Phone
502 580 1000
Analysis Last Updated
27/09/2026, 16:59:22
Financial data compiled from SEC EDGAR filings and Yahoo Finance.