Overall, Humana Inc. shows strong business quality with effective growth strategies and operational efficiencies, but faces challenges related to regulatory uncertainties and membership attrition. Future prospects appear positive with long-term growth strategies and a focus on clinical excellence, but near-term margin recovery remains a concern.
Analysis Date: February 11, 2025 Last Updated: May 29, 2025
+21%
+1.9% per year
Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.
CountryUS
ExchangeNYSE
IndustryMedical - Healthcare Plans
SectorHealthcare
Market Cap$31.82B
CEOMr. James A. Rechtin M.B.A.
Humana Inc. is a company that helps people manage their health care needs in the United States. They provide health insurance plans that cover medical services, dental care, and vision needs for individuals and families. Humana also offers special programs for seniors and people with low incomes to help them access necessary medications and health services. In addition, they provide support for home health care and other services to ensure their members get the care they need.
Streams of revenue
Insurance Segment:85%
CenterWell Segment:15%
Geographic Distribution
United States:95%
International:5%
Estimations for reference only
Core Products
🏥
MedicaidMedicaid services
🦷
Dental InsuranceDental coverage
👓
Vision InsuranceVision plans
🩺
Medicare AdvantageMedicare plans
💊
Pharmacy SolutionsPharmacy services
Business Type
Business to Consumer
Competitive Advantages
Unlock Competitive Advantages Analysis
Discover all competitive advantages and strategic moats that protect HUM's market position.
Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Graham Value Metrics
Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.
📊
Unlock Graham value analysis
Access Benjamin Graham's value investing criteria, intrinsic value calculations, and margin of safety analysis
Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
Scroll horizontally to see more
About Profitability Metrics
Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.
📊
Unlock Profitability Metrics
Access detailed profitability metrics with visual gauges and benchmarks
HUM (Humana Inc.) is a Healthcare company listed on New York Stock Exchange. The stock has generated 1.9% annual returns with an overall investment score of None/100.
Overall, Humana Inc. shows strong business quality with effective growth strategies and operational efficiencies, but faces challenges related to regulatory uncertainties and membership attrition. Future prospects appear positive with long-term growth strategies and a focus on clinical excellence, but near-term margin recovery remains a concern.
HUM Key Financial Metrics
HUM financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 10.0/100 with financial health rated 7.8999999999999995/100.
About Humana Inc.
Humana Inc. is a company that helps people manage their health care needs in the United States. They provide health insurance plans that cover medical services, dental care, and vision needs for individuals and families. Humana also offers special programs for seniors and people with low incomes to help them access necessary medications and health services. In addition, they provide support for home health care and other services to ensure their members get the care they need.
HUM Investment Recommendation
Based on our comprehensive analysis of HUM, investors should consider the company's positive performance track record, earnings consistency (9/10 quarters beat expectations), and current valuation metrics when making investment decisions.
Healthcare Sector Analysis
HUM operates in the Medical - Healthcare Plans industry within the Healthcare sector. This analysis compares Humana Inc. performance against industry and sector benchmarks to provide context for investment decisions.
Frequently Asked Questions about HUM Stock
Is HUM a good investment?
HUM (Humana Inc.) has generated 1.9% annual returns with an overall score of None/100. Overall, Humana Inc. shows strong business quality with effective growth strategies and operational efficiencies, but faces challenges related to regulatory uncertainties and membership attrition. Future prospects appear positive with long-term … Investors should consider their risk tolerance and investment goals when evaluating HUM.
What is HUM P/E ratio and valuation?
HUM valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Medical - Healthcare Plans industry and Healthcare sector benchmarks. The company currently has a valuation score of 10.0/100.
Should I buy HUM stock now?
The decision to buy HUM stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides , financial health score of 7.8999999999999995/100, and detailed performance metrics to help inform your investment decision.
What are HUM financial health indicators?
HUM financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 7.8999999999999995/100 based on comprehensive analysis of balance sheet strength and operational efficiency.
How does HUM compare to competitors?
HUM performance is benchmarked against Medical - Healthcare Plans industry peers and Healthcare sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Humana Inc.'s market position.
What are HUM historical returns?
HUM has generated 1.9% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.
HUM Key Investment Metrics Summary
Annual Return: 1.9%
Valuation Score: 10.0/100
Financial Health Score: 7.8999999999999995/100
Growth Score: -19.798833746929407/100
Earnings Beat Rate: 9/10 quarters
Sector: Healthcare
Industry: Medical - Healthcare Plans
Exchange: New York Stock Exchange
Market Cap: 31823423190
HUM Investment Thesis
Humana Inc. (HUM) represents a conservative investment opportunity in the Healthcare sector. With an overall score of None/100, the company demonstrates areas for financial improvement.
Investment Strengths
Attractive Price-to-Earnings Ratio
Low Price-to-Sales Ratio
Strong Gross Profit Margin
Decent Return on Equity
Strong Liquidity Position
Manageable Debt Levels
Strong Membership Growth
Focus on Clinical Excellence
Operational Efficiency Improvements
Long-Term Growth Strategy
New Management Team
Investment in Clinical and Operational Efficiency
Investment Risks
High EV to EBITDA Ratio
Low Net Profit Margin
Low Cash Ratio
Uncertainty in STAR Ratings
Challenges in Dual SNP Space
Margin Recovery Challenges
Regulatory Headwinds
We use cookies to analyze site traffic and optimize your site experience.
By accepting, you consent to our use of cookies. Read our Privacy Policy to Learn more.