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Humana Inc. HUM SPX

Healthcare · Healthcare Plans · United States
https://www.humana.com

Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. The Insurance segment offers individual Medicare Advantage products, including health insurance benefits, including wellness programs, chronic care management, and care coordination; individual Medicare stand-alone prescription drug products (PDP); group Medicare advantage and Medicare stand-alone PDP; Medicare supplements; specialty and ancillary insurance comprising dental, vision, life and disability; and administrative services to arrange health care services for active-duty and retired military personnel and dependents, as well as pharmacy benefit managers. Its CenterWell segment operates full-service, value-based senior focused primary care centers under the Conviva Senior Primary Care and CenterWell Senior Primary Care brands; a management services organization; CenterWell Home Health, a home health provider; and OneHome, which manages post-acute patient needs, as well as provides pharmacy and hospice solutions. The company was formerly known as Extendicare Inc. and changed its name to Humana Inc. in April 1974. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.

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$305.42
+33.08% 1Y

Market & Price

Market Cap
$36.67B
Current Price
$305.42
High / Low (52W)
$310.55 / $162.84
Beta
0.68

Valuation

Stock P/E
32.56
Industry PE
23.65
Forward P/E
19.61
PEG Ratio
1.73
Book Value
$154.75
Price to Book
1.97
P/S
0.27
EV/EBITDA
8.67
Dividend Yield
1.16%

Profitability & Returns

ROCE
-
ROE
6.28%
ROA
3.64%
Profit Margin
0.82%
Op Margin
4.67%
EPS (Latest Qtr)
$9.83
EPS (TTM)
$9.38

Balance Sheet & Liquidity

Debt/Equity
0.77
Quick Ratio
1.26
Current Ratio
1.77
Debt
$14.37B
Total Assets
$48.91B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.21%
Chg in Prom Hold
-
FII / Inst Holding
100.07%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$29.14B
Total Revenue (TTM)
$137.20B
EBITDA
$3.36B
Free Cash Flow
$1.43B
Operating Cash Flow
$1.84B
Shares Outstanding
120.06M
Gross Margin
14.01%
Payout Ratio
37.78%

Growth (CAGR)

Revenue 5Y
11.77%
Profit 5Y
-24.91%
Revenue (YoY)
23.50%
Earnings (YoY)
-4.60%

PROS

  • Compounding revenue at 11.8% over 5 years.
  • Generates positive free cash flow.

CONS

  • Earnings shrank at -24.9% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Healthcare).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HUM Humana Inc. SPX 305.42 32.56 $36.67B 1.16% - 6.28% 11.77% -24.91%
2 LLY Eli Lilly and Company SPX 1,105.00 39.21 $985.37B 0.63% 38.44% 107.46% 31.69% 48.96%
3 JNJ Johnson & Johnson SPX 225.33 26.11 $542.42B 2.38% 23.13% 26.42% 5.60% 14.32%
4 UNH UnitedHealth Group Incorporated SPX 380.31 28.66 $345.38B 2.32% 9.60% 12.18% 11.35% -15.69%
5 MRK Merck & Co., Inc. SPX 118.72 33.44 $293.22B 2.86% 20.66% 18.94% 3.12% 7.93%
6 TMO Thermo Fisher Scientific Inc. SPX 492.51 27.11 $183.03B 0.38% 9.17% 13.52% -0.27% -1.19%
7 AMGN Amgen Inc. NDXSPX 336.79 23.42 $181.77B 2.99% 18.02% 101.32% 11.77% 5.58%
8 GILD Gilead Sciences, Inc. NDXSPX 134.43 18.29 $166.90B 2.44% 22.92% 43.36% 2.57% 22.83%
9 ISRG Intuitive Surgical, Inc. NDXSPXAI 424.64 51.53 $150.39B - 15.96% 17.23% 17.39% 29.26%
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Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 13.73B13.36B13.36B13.80B14.01B13.69B12.88B13.76B13.53B13.28B13.19B14.28B14.26B14.21B14.17B16.11B16.25B16.24B16.30B18.93B19.08B20.07B20.67B20.64B20.70B23.97B23.66B22.80B26.74B26.75B26.42B29.61B29.54B29.40B-32.11B32.39B32.65B32.52B39.65B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income 573.00M695.00M-547.00M683.00M949.00M-1.74B1.10B858.00M-760.00M862.00M961.00M-847.00M1.11B868.00M-1.07B2.44B1.82B1.22B1.24B628.00M1.29B1.22B1.17B1.72B1.44B1.21B1.24B1.14B728.00M-1.85B898.00M302.00M-865.00M1.79B
EBITDA ----------------------------------------
Interest Expense -----------------------------------160.00M157.00M168.00M146.00M193.00M
Pretax Income -----------------------------------1.69B741.00M134.00M-1.01B1.59B
Tax Provision -----------------------------------406.00M179.00M-86.00M-249.00M395.00M
Net Income 431.00M314.00M101.00M254.00M311.00M450.00M-401.00M1.11B650.00M499.00M184.00M491.00M193.00M644.00M355.00M566.00M940.00M689.00M512.00M473.00M1.83B1.34B828.00M588.00M1.53B930.00M696.00M1.20B1.24B959.00M832.00M741.00M679.00M480.00M-1.24B545.00M195.00M-796.00M1.19B
Diluted EPS 2.852.090.671.682.062.98-2.687.494.463.441.293.531.394.652.584.166.945.143.843.5613.7510.056.394.5511.847.295.489.399.877.666.716.115.623.98-5.7610.304.511.62-9.83

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 25.29B28.95B30.74B33.60B36.83B39.13B41.31B48.50B54.29B54.38B53.77B56.91B64.89B77.16B83.06B92.87B106.37B117.76B129.66B
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income 1.36B1.07B1.71B1.85B2.34B2.02B2.06B2.36B2.35B1.74B4.26B3.10B3.19B4.99B3.15B3.97B3.88B2.38B2.19B
EBITDA -------------------
Interest Expense ---------------401.00M493.00M660.00M631.00M
Pretax Income ---------------3.57B3.38B1.72B1.55B
Tax Provision ---------------762.00M836.00M413.00M250.00M
Net Income 833.68M647.15M1.04B1.10B1.42B1.22B1.23B1.15B1.28B614.00M2.45B1.68B2.71B3.37B2.93B2.81B2.49B1.21B1.19B
Diluted EPS 4.913.836.156.478.467.477.737.368.444.0716.8112.1620.1025.3122.6722.0820.009.989.84

Compounded Sales Growth

5 Years:11.77%
1 Year:23.50%

Compounded Profit Growth

5 Years:-24.91%
1 Year:-4.60%

Stock Price Performance

1 Year:+33.08%
6 Months:+29.49%
3 Months:+61.11%
1 Month:+25.63%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2006Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --13.04B14.15B16.10B17.71B19.98B20.73B23.53B24.68B25.40B27.18B25.41B29.07B34.97B-43.05B47.06B46.48B48.91B
Current Assets --------------------
Cash & Equivalents 1.74B2.04B1.97B1.61B1.67B1.38B1.31B1.14B1.94B2.57B3.88B4.04B2.34B4.05B4.67B-5.06B4.69B2.22B4.20B
Inventory --------------------
Receivables ----------------1.67B2.04B2.70B3.27B
Total Liabilities --8.58B8.38B9.18B9.64B11.13B11.42B13.88B14.33B14.71B17.34B15.25B17.04B21.24B-27.68B30.75B30.03B31.17B
Current Liabilities --5.18B5.26B5.74B6.06B6.38B6.32B7.47B8.15B7.82B9.41B10.08B10.93B13.39B-----
Long Term Debt --1.94B1.68B1.67B1.66B2.61B2.60B3.83B3.79B3.79B4.77B4.38B4.97B6.06B-7.93B10.21B11.14B12.37B
Total Debt ----------------11.13B11.66B11.72B12.37B
Total Equity 3.05B4.03B4.46B5.78B6.92B8.06B8.85B9.32B9.65B10.35B10.69B9.84B10.16B12.04B13.73B-15.31B16.26B16.38B17.66B
Shares Outstanding ----------------198.67M198.69M198.72M198.72M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 1.22B982.31M1.42B2.24B2.08B1.92B1.72B1.62B868.00M1.94B4.05B2.17B5.28B5.64B-4.59B3.98B2.97B921.00M
Investing Cash Flow -1.85B-498.32M-1.86B-1.81B-1.36B-1.97B-1.18B-63.00M320.00M-1.36B-2.94B-3.09B-1.28B-3.06B--1.01B-3.49B-2.95B2.27B
Financing Cash Flow 921.28M-554.02M80.00M-371.00M-1.02B-29.00M-702.00M-758.00M-552.00M732.00M-945.00M-785.00M-2.29B-1.96B--1.91B-856.00M-2.49B-1.22B
Capital Expenditure -239.24M-261.57M-185.00M-222.00M-346.00M-410.00M-441.00M-528.00M-523.00M-527.00M-524.00M-612.00M-736.00M-964.00M--1.14B-1.00B-575.00M-546.00M
Free Cash Flow 985.02M720.74M1.24B2.02B1.73B1.51B1.27B1.09B345.00M1.41B3.53B1.56B4.55B4.67B-3.45B2.98B2.39B375.00M
Net Change in Cash ---------------1.67B-367.00M-2.47B1.98B
Share Buybacks 27.41M106.07M23.00M108.00M541.00M518.00M531.00M872.00M385.00M104.00M3.37B1.09B1.07B1.82B79.00M2.10B1.57B817.00M151.00M
Dividends Paid --0082.00M165.00M168.00M172.00M172.00M177.00M220.00M265.00M291.00M323.00M354.00M392.00M431.00M431.00M430.00M

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------------
Operating Margin % 5.4%3.7%5.6%5.5%6.4%5.2%5.0%4.9%4.3%3.2%7.9%5.4%4.9%6.5%3.8%4.3%3.6%2.0%1.7%
Net Margin % 3.3%2.2%3.4%3.3%3.9%3.1%3.0%2.4%2.4%1.1%4.6%3.0%4.2%4.4%3.5%3.0%2.3%1.0%0.9%
ROE % 20.7%14.5%18.0%15.9%17.6%13.8%13.2%11.9%12.3%5.7%24.9%16.6%22.5%24.5%-18.3%15.3%7.4%6.7%
ROCE % -13.7%19.2%17.9%20.1%14.8%14.3%14.7%14.2%9.9%24.0%20.2%17.6%23.1%-----

Shareholding Pattern

Insiders
0.21%
Institutions
100.07%
Public Float
100.28%

Top Institutional Holders

#Holder% HeldSharesValue
1 Dodge & Cox Inc. 9.48% 11.38M $3.48B
2 Blackrock Inc. 8.49% 10.20M $3.11B
3 Vanguard Capital Management LLC 6.53% 7.84M $2.39B
4 Vanguard Portfolio Management LLC 4.84% 5.81M $1.77B
5 Pzena Investment Management LLC 4.56% 5.47M $1.67B
6 State Street Corporation 4.54% 5.45M $1.67B
7 Massachusetts Financial Services Co. 3.73% 4.48M $1.37B
8 Sessa Capital IM, L.P. 3.10% 3.73M $1.14B
9 Geode Capital Management, LLC 2.77% 3.33M $1.02B
10 JPMORGAN CHASE & CO 2.53% 3.03M $926.71M

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