Stock · HUM · Healthcare
United States · Large Cap · listed since 1993 · Revenue 12 mo. $145.7B
Price as of 11/06/2026
Humana Inc. provides medical and specialty insurance products in the United States.
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.
Original text from the data provider
Summary
40.0 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
If free cash flow stays at €336.5M (2025), it supports €3.7B. The remaining €43.6B of the market value assume it grows more than 30% a year for 10 years and not at all afterwards.
Required FCF growth per year
over 30%
no growth afterwards
with respect to the priced-in expectation
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
4 more unchanged: Gross margin, EBIT margin, Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 6.73% | 11.52% | Rank 25 |
| Return on capital (Greenblatt) | 53.50% | 32.55% | Rank 71 |
| EBIT margin | 1.12% | 18.31% | Rank 6 |
| FCF margin | 0.29% | 14.12% | Rank 6 |
| Gross margin | 14.54% | 60.99% | Rank 6 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 10.06% | 8.04% | Rank 62 |
| Earnings growth, 3 years per year | −23.63% | 5.44% | Rank 9 |
| Earnings growth, 5 years per year | −17.23% | 7.00% | Rank 6 |
| Sustainable growth (ROE × retained earnings) | 0.42% | 3.66% | Rank 8 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 2.27% | 2.90% | Rank 34 |
| FCF yield | 0.71% | 3.63% | Rank 10 |
| EV/saleslower is better | 0.47 | 4.03 | Rank 92 |
| EV/EBITlower is better | 42.35 | 21.73 | Rank 12 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 63.12% | 8.66% | Rank 92 |
| Share price, 6 months | 58.23% | 24.27% | Rank 92 |
| Share price, 3 months | 17.79% | 15.42% | Rank 58 |
| Distance from 52-week high | 0.00% | −7.35% | Rank 96 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | −4.22% | 0.30% | Rank 83 |
| Change in share countlower is better | −0.04% | 0.00% | Rank 51 |
| Dividend streak in years | 9 | 10 | Rank 58 |
| Price reaction to results, market-adjusted | −4.70% | 0.05% | Rank 15 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 36.22% | 48.40% | Rank 26 |
| Net debt/EBITDAlower is better | 3.00 | 1.11 | Rank 16 |
| Debt to equitylower is better | 0.73 | 0.48 | Rank 36 |
| Volatility, 1 yearlower is better | 46.61% | 31.42% | Rank 13 |
Ten years in figures
| Year | Revenue, $B | EBIT margin | FCF | Shares | Net debt |
|---|---|---|---|---|---|
| 2016 | 54.4 | 3.2% | $1.4B | 151M | $215.0M |
| 2017 | 53.8 | 6.2% | $3.5B | 146M | $878.0M |
| 2018 | 56.9 | 3.6% | $1.6B | 138M | $3.7B |
| 2019 | 64.9 | 5.3% | $4.5B | 135M | $2.1B |
| 2020 | 77.2 | 6.1% | $4.7B | 133M | $2.5B |
| 2021 | 83.6 | 4.1% | $946.0M | 129M | $9.8B |
| 2022 | 92.9 | 3.8% | $3.5B | 127M | $6.7B |
| 2023 | 106.4 | 3.1% | $3.0B | 124M | $7.6B |
| 2024 | 117.8 | 1.4% | $2.4B | 121M | $10.0B |
| 2025 | 129.7 | 1.1% | $375.0M | 121M | $8.7B |
2 of 7 StockScorer Score rules met · How the score is built
Humana Inc mainly meets criteria in the Momentum category. Result from 18 strategies checked.
Humana Inc is rated here with the StockScorer Score strategy, the flagship rule set. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
2 of 7 rules met
3 of 11 points
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Humana Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 44.1 | 30.0 |
| P/B ratio | 3.0 | 4.8 |
| Return on equity (ROE) | 6.7% | 11.5% |
| Equity ratio | 36.2% | 48.4% |
| Debt-to-equity (D/E) | 0.73 | 0.48 |
| Dividend yield | 0.8% | 1.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| HUM | Humana Incthis page | |
| CNC | Centene Corp | Low4.5 |
| CI | The Cigna Group | Low4.5 |
| ELV | Elevance Health Inc | Low3.6 |
| CVS | CVS Health Corp | locked |
| UNH | UnitedHealth Group Incorporated | locked |
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