(HUM) Humana - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US4448591028
Stock: Health Plans, Medicare, Medicaid, Supplemental
Total Rating 34
Risk 92
Buy Signal -1.15
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.39% |
| Yield on Cost 5y | 0.98% |
| Yield CAGR 5y | 6.04% |
| Payout Consistency | 54.9% |
| Payout Ratio | 16.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 56.3% |
| Relative Tail Risk | -23.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.55 |
| Alpha | -40.29 |
| Character TTM | |
|---|---|
| Beta | 0.336 |
| Beta Downside | 0.536 |
| Drawdowns 3y | |
|---|---|
| Max DD | 63.98% |
| CAGR/Max DD | -0.41 |
Description: HUM Humana December 17, 2025
Humana Inc. (NYSE:HUM) operates two primary segments-Insurance and CenterWell-offering a broad suite of medical, specialty, and supplemental health plans to individuals and employer groups across the United States. The firm administers Medicare-Advantage and Medicaid contracts, including the Limited Income Newly Eligible Transition (LINET) prescription-drug program, and provides ancillary services such as pharmacy-benefit management, senior-focused primary-care centers, home health, hospice, and TRICARE military health services.
Key metrics highlight Humana’s scale and growth: 2023 total revenue reached roughly $92 billion, with Medicare Advantage enrollment surpassing 21 million members (up ~7% YoY), and a medical loss ratio of about 84%, reflecting efficient cost management. Sector-wide drivers-an aging U.S. population, rising Medicare Advantage penetration, and regulatory pressure on drug pricing-continue to shape Humana’s earnings outlook.
For a deeper, data-driven dive into HUM’s valuation dynamics, you may find ValueRay’s analytical platform worth exploring.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 1.29b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 11.80 > 1.0 |
| NWC/Revenue: 13.11% < 20% (prev 12.35%; Δ 0.77% < -1%) |
| CFO/TA 0.04 > 3% & CFO 2.04b > Net Income 1.29b |
| Net Debt (7.25b) to EBITDA (3.20b): 2.27 < 3 |
| Current Ratio: 2.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.8m) vs 12m ago 0.01% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 253.4% > 50% (prev 230.0%; Δ 23.43% > 0%) |
| Interest Coverage Ratio: 3.59 > 6 (EBITDA TTM 3.20b / Interest Expense TTM 649.0m) |
Altman Z'' 5.46
| A: 0.33 (Total Current Assets 32.75b - Total Current Liabilities 16.18b) / Total Assets 49.72b |
| B: 0.60 (Retained Earnings 29.98b / Total Assets 49.72b) |
| C: 0.05 (EBIT TTM 2.33b / Avg Total Assets 49.86b) |
| D: 0.94 (Book Value of Equity 29.35b / Total Liabilities 31.14b) |
| Altman-Z'' Score: 5.46 = AAA |
Beneish M -2.94
| DSRI: 1.14 (Receivables 2.68b/2.14b, Revenue 126.36b/115.01b) |
| GMI: 0.88 (GM 100.0% / 88.39%) |
| AQI: 1.03 (AQ_t 0.30 / AQ_t-1 0.29) |
| SGI: 1.10 (Revenue 126.36b / 115.01b) |
| TATA: -0.02 (NI 1.29b - CFO 2.04b) / TA 49.72b) |
| Beneish M-Score: -2.94 (Cap -4..+1) = A |
What is the price of HUM shares?
As of February 08, 2026, the stock is trading at USD 193.94 with a total of 1,982,051 shares traded.
Over the past week, the price has changed by -0.65%, over one month by -30.70%, over three months by -22.50% and over the past year by -29.66%.
Over the past week, the price has changed by -0.65%, over one month by -30.70%, over three months by -22.50% and over the past year by -29.66%.
Is HUM a buy, sell or hold?
Humana has received a consensus analysts rating of 3.58.
Therefor, it is recommend to hold HUM.
- StrongBuy: 6
- Buy: 3
- Hold: 17
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HUM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 286.6 | 47.8% |
| Analysts Target Price | 286.6 | 47.8% |
| ValueRay Target Price | 171.4 | -11.6% |
HUM Fundamental Data Overview February 03, 2026
P/E Trailing = 18.3804
P/E Forward = 18.5185
P/S = 0.1858
P/B = 1.6927
P/EG = 0.9962
Revenue TTM = 126.36b USD
EBIT TTM = 2.33b USD
EBITDA TTM = 3.20b USD
Long Term Debt = 12.61b USD (from longTermDebt, last quarter)
Short Term Debt = 577.0m USD (from shortTermDebt, last fiscal year)
Debt = 12.64b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.25b USD (from netDebt column, last quarter)
Enterprise Value = 30.73b USD (23.48b + Debt 12.64b - CCE 5.39b)
Interest Coverage Ratio = 3.59 (Ebit TTM 2.33b / Interest Expense TTM 649.0m)
EV/FCF = 19.86x (Enterprise Value 30.73b / FCF TTM 1.55b)
FCF Yield = 5.03% (FCF TTM 1.55b / Enterprise Value 30.73b)
FCF Margin = 1.22% (FCF TTM 1.55b / Revenue TTM 126.36b)
Net Margin = 1.02% (Net Income TTM 1.29b / Revenue TTM 126.36b)
Gross Margin = unknown ((Revenue TTM 126.36b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.62 (Enterprise Value 30.73b / Total Assets 49.72b)
Interest Expense / Debt = 1.33% (Interest Expense 168.0m / Debt 12.64b)
Taxrate = 25.38% (413.0m / 1.63b)
NOPAT = 1.74b (EBIT 2.33b * (1 - 25.38%))
Current Ratio = 2.02 (Total Current Assets 32.75b / Total Current Liabilities 16.18b)
Debt / Equity = 0.68 (Debt 12.64b / totalStockholderEquity, last quarter 18.52b)
Debt / EBITDA = 2.27 (Net Debt 7.25b / EBITDA 3.20b)
Debt / FCF = 4.69 (Net Debt 7.25b / FCF TTM 1.55b)
Total Stockholder Equity = 17.72b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.59% (Net Income 1.29b / Total Assets 49.72b)
RoE = 7.29% (Net Income TTM 1.29b / Total Stockholder Equity 17.72b)
RoCE = 7.67% (EBIT 2.33b / Capital Employed (Equity 17.72b + L.T.Debt 12.61b))
RoIC = 5.74% (NOPAT 1.74b / Invested Capital 30.28b)
WACC = 4.99% (E(23.48b)/V(36.12b) * Re(7.15%) + D(12.64b)/V(36.12b) * Rd(1.33%) * (1-Tc(0.25)))
Discount Rate = 7.15% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.69%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈1.55b ; Y1≈1.02b ; Y5≈463.3m
Fair Price DCF = 62.45 (EV 14.76b - Net Debt 7.25b = Equity 7.51b / Shares 120.3m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -12.77 | EPS CAGR: 29.19% | SUE: 0.51 | # QB: 0
Revenue Correlation: 95.04 | Revenue CAGR: 12.41% | SUE: 0.75 | # QB: 0
EPS next Quarter (2026-03-31): EPS=10.66 | Chg30d=+0.018 | Revisions Net=-1 | Analysts=16
EPS next Year (2026-12-31): EPS=12.04 | Chg30d=-0.409 | Revisions Net=-4 | Growth EPS=-29.6% | Growth Revenue=+12.5%
P/E Forward = 18.5185
P/S = 0.1858
P/B = 1.6927
P/EG = 0.9962
Revenue TTM = 126.36b USD
EBIT TTM = 2.33b USD
EBITDA TTM = 3.20b USD
Long Term Debt = 12.61b USD (from longTermDebt, last quarter)
Short Term Debt = 577.0m USD (from shortTermDebt, last fiscal year)
Debt = 12.64b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.25b USD (from netDebt column, last quarter)
Enterprise Value = 30.73b USD (23.48b + Debt 12.64b - CCE 5.39b)
Interest Coverage Ratio = 3.59 (Ebit TTM 2.33b / Interest Expense TTM 649.0m)
EV/FCF = 19.86x (Enterprise Value 30.73b / FCF TTM 1.55b)
FCF Yield = 5.03% (FCF TTM 1.55b / Enterprise Value 30.73b)
FCF Margin = 1.22% (FCF TTM 1.55b / Revenue TTM 126.36b)
Net Margin = 1.02% (Net Income TTM 1.29b / Revenue TTM 126.36b)
Gross Margin = unknown ((Revenue TTM 126.36b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.62 (Enterprise Value 30.73b / Total Assets 49.72b)
Interest Expense / Debt = 1.33% (Interest Expense 168.0m / Debt 12.64b)
Taxrate = 25.38% (413.0m / 1.63b)
NOPAT = 1.74b (EBIT 2.33b * (1 - 25.38%))
Current Ratio = 2.02 (Total Current Assets 32.75b / Total Current Liabilities 16.18b)
Debt / Equity = 0.68 (Debt 12.64b / totalStockholderEquity, last quarter 18.52b)
Debt / EBITDA = 2.27 (Net Debt 7.25b / EBITDA 3.20b)
Debt / FCF = 4.69 (Net Debt 7.25b / FCF TTM 1.55b)
Total Stockholder Equity = 17.72b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.59% (Net Income 1.29b / Total Assets 49.72b)
RoE = 7.29% (Net Income TTM 1.29b / Total Stockholder Equity 17.72b)
RoCE = 7.67% (EBIT 2.33b / Capital Employed (Equity 17.72b + L.T.Debt 12.61b))
RoIC = 5.74% (NOPAT 1.74b / Invested Capital 30.28b)
WACC = 4.99% (E(23.48b)/V(36.12b) * Re(7.15%) + D(12.64b)/V(36.12b) * Rd(1.33%) * (1-Tc(0.25)))
Discount Rate = 7.15% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.69%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈1.55b ; Y1≈1.02b ; Y5≈463.3m
Fair Price DCF = 62.45 (EV 14.76b - Net Debt 7.25b = Equity 7.51b / Shares 120.3m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -12.77 | EPS CAGR: 29.19% | SUE: 0.51 | # QB: 0
Revenue Correlation: 95.04 | Revenue CAGR: 12.41% | SUE: 0.75 | # QB: 0
EPS next Quarter (2026-03-31): EPS=10.66 | Chg30d=+0.018 | Revisions Net=-1 | Analysts=16
EPS next Year (2026-12-31): EPS=12.04 | Chg30d=-0.409 | Revisions Net=-4 | Growth EPS=-29.6% | Growth Revenue=+12.5%