HUM
Humana
$382.46
▲ 4.1%Updated Today 11:30 AM ET
HUM at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 42/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 48.2% over the last 12 months
Market Cap
$47.63B
P/E
38.88x
Forward P/E (est.)
55.55x
ROE
6.2%
Revenue Growth
14.1%
EPS Growth
-33.9%
Profit Margin
0.8%
FCF Yield
8.5%
Debt / Equity
0.7x
ROIC
10.0%
Interest Coverage
5.48x
Current Ratio
1.77x
Dividend Yield
0.9%
Implied Growth (rev. DCF)
8.1%
Rating Score
42/100
Humana (HUM) is a large-cap company in the Managed Health Care industry, part of the Health Care sector of the S&P 500, with a market value around $47.63B.
In its latest reported year it generated about $129.66B in revenue and $1.19B in net profit.
Our model rates HUM Neutral (42/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
Some durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
2.7% average over the last 3 years
±1.8 pts around 4.4% across 10 years
grew in 8 of the last 9 year-over-year periods
positive in 10 of 10 years
10.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what HUM's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. HUM trades near $382.46, above its 50-day average ($314.19) and 200-day average ($253.01). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 65 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. HUM's is $14.62 (~3.8% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month HUM found buyers near $333.55 (support) and sellers near $415.00 (resistance); its 52-week range is $163.11–$415.00. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.9× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
11.8%
Revenue moved from $54.38B in 2016 to $129.66B in 2025, a 10.1% compound annual growth rate. The most recent year grew a steady 14.1% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
2.1%
Net Margin
0.9%
ROE
6.2%
Humana keeps about 0.8% of each sales dollar as net profit. Return on equity is 6.2% and return on invested capital about 10.0%. Thin margins leave less cushion if costs rise.
Total Debt
$2.60B
Net Debt
-$2.35B
Net cash position
Net Debt / EBITDA
-0.87x
Debt / Equity
0.7x
Leverage: debt-to-equity is 0.7x, and operating profit covers interest about 5.5x, with a current ratio of 1.8x. That is a moderate, manageable debt load for most businesses. It carries roughly $2.60B of total debt against $4.95B of cash.
Operating CF
$921.00M
Free Cash Flow
$375.00M
FCF Margin
0.3%
In the latest year Humana produced about $921.00M of operating cash flow and $375.00M of free cash flow after capital spending. That is a free-cash-flow yield of about 8.5% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
Coverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Dividend yield
0.9%
Per share (latest FY)
$3.54
Total paid (latest FY)
$430.00M
History on record
10 years
dividend uses 115% of free cash flow
36% of net income paid out
no current raise streak
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
38.88x
P/S
0.35x
P/B
1.71x
EV / EBITDA
—
HUM trades at 38.9x trailing earnings (about 55.5x on estimated forward earnings), 0.3x sales, and 1.7x book value. Reverse-engineering today's price implies the market expects roughly 8.1% long-term free-cash-flow growth. That is a premium multiple that needs growth to justify it.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$93.97
Current price
$382.46
Starting FCF (latest 10-K)
$375.00M
Growth, years 1–5
14.1%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where HUM sits versus its Health Care sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 83 Health Care companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How HUM stacks up against its Health Care peers — valuation, profitability, and growth versus the sector median.
In the Health Care sector (324 S&P 500 companies), HUM ranks #61 of 324 by our overall rating. It trades at a premium versus the sector on earnings (38.9x P/E vs. 27.3x median) with a lower return on equity (6.2% vs. 14.1%) and faster revenue growth (14.1% vs. 7.6%).
P/E vs sector
38.9x
median 27.3x
ROE vs sector
6.2%
median 14.1%
Growth vs sector
14.1%
median 7.6%
Sector rank
#61
of 324 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Health Care companies by sub-industry and size. Sector median is across all 324 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $382.46 today · expected CAGR 29% – 44%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $147.82B | $168.51B | $192.10B | $219.00B | $249.66B |
| Net income | $4.43B | $5.06B | $5.76B | $6.57B | $7.49B |
| EPS | $35.60 | $40.59 | $46.27 | $52.75 | $60.14 |
| Share price (low) | $818.91 | $933.56 | $1,064.26 | $1,213.26 | $1,383.11 |
| Share price (high) | $1,388.59 | $1,583.00 | $1,804.62 | $2,057.26 | $2,345.28 |
| CAGR (low–high) | 114% / 263% | 56% / 103% | 41% / 68% | 33% / 52% | 29% / 44% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for HUM:
- Revenue is growing 14.1% a year, a sign of real demand.
- Healthy free-cash-flow yield (~8.5%) funds buybacks and dividends.
The case against HUM:
- Thin net margins (0.8%) leave little room for error.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Valuation risk — at 38.9x earnings, disappointing results could compress the multiple.
Margin risk — thin profitability (0.8%) is vulnerable to cost or pricing pressure.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Humana is a large-cap health care business still growing nicely, with modest profitability, and a heavier debt load to watch. It trades at 38.9x earnings, which our model scores Neutral (42/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 33 Wall Street analysts covering HUM recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+18 pts of buy ratings).
Latest SEC Filings
HUM's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
HUM — frequently asked questions
Is HUM a good stock to buy?
We don't give buy or sell advice. Our model rates Humana Neutral (42/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is HUM's rating on The Stocks School?
Humana currently scores 42/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does HUM's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Humana's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for HUM calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this HUM analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell HUM. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.