Stock Analysis
Humana Inc.HUM
P/E 38.79×· 5Y range 13.95–41.52×· top 1% of history
Sector: Healthcare · Industry: Healthcare Plans
AnalystsHold33 analystsP/E 38.8× sits at the 99th percentile of its 5.086926762491444-year history.
Cash covers 161% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, expensive valuation
Strengths
- Financial Health93
- Quality85
Risks
- Valuation49
- Profitability36
Mixed fundamentals at a demanding price.
Market context
-4.4% today· Z 1.4σ
Bull Case
- ✓Altman Z 5.0 — safe-zone balance sheet
- ✓Revenue CAGR 11.8% — durable top-line growth
What's happening with HUM
Profile
Strong financial health and earnings quality; profitability, growth and valuation lag behind.
How is each axis scored?
- Valuation49/100 · Weak
- P/E vs own history (99th pct)0/25
- FCF yield (3.9%)12/25
- P/S (0.3x)25/25
- EV/EBIT (15.6x)12/25
- Growth45/100 · Weak
- Revenue CAGR (11.8%)20/25
- Net income CAGR (-20.2%)0/25
- EPS CAGR 5Y (-18.8%)0/25
- Fwd implied growth (52.9%)25/25
- Profitability36/100 · Weak
- ROIC (21.1%)20/25
- ROE (7.2%)5/25
- Net margin (0.9%)6/25
- Operating margin (1.9%)5/25
- Financial Health93/100 · Strong
- Altman Z (5.03)25/25
- Current ratio (2.00)25/25
- Interest coverage (7.8x)18/25
- Net cash / debt (Net cash)25/25
- Quality85/100 · Strong
- Piotroski F (5/9)15/25
- Beneish M (-2.39)20/25
- FCF conversion (152%)25/25
- Margin stability (σ 2.1%)25/25
- Moat62/100 · Moderate
- ROIC >12% years (10/10 yrs)25/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 0.9%)12/25
Risk Flags
- ⚠P/E 38.8× at top 1% of 5-year history
About Humana Inc.
Humana is one of the largest private health insurers in the US, and the firm has built a niche specializing in government-sponsored programs, with nearly all its medical membership stemming from Medicare, Medicaid, and the military's Tricare program. Show more
Beyond medical insurance, the company provides other healthcare services, including primary-care services, at-home services, and pharmacy benefit management.
Headquarters: LOUISVILLE, KY · Employees: 67,060 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
49D+P/E (TTM)39.0xD
Grade D: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 13.9x–41.5x · 99th pct
P/FCF13.8xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield3.9%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -15.4%–22.9% · 38th pct
P/S (TTM)0.34xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.2x–0.8x · 41st pct
EV/EBIT15.6xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 4.1x–20.9x · 75th pct
EV/Sales0.4xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E25.5xC
Grade C: ExpensivePrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.82xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.70B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.82%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio15.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
36DROIC21.1%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE7.2%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA2.4%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin0.9%D
Grade D: LowNet Income / Revenue
Operating Margin1.9%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin1.3%D
Grade D: LowFCF / Revenue
True FCF Margin1.2%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
45D+Revenue CAGR11.8%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-20.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-18.8%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth52.9%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-7.2%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income19.3%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.2%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
93A+Altman Z-Score5.03A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio2.00xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio0.01xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage7.8xC
Grade C: OkEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.70xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt1.61xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
85APiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.39A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion152.4%A
Grade A: StrongFCF / Net Income
Margin Stability2.1%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue0.4%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover2.76xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
HILZINGER KURT J Filed | HILZINGER KURT J | Grant / award | +238 | |
Nundy Shantanu Filed | Nundy Shantanu | Grant / award | +2.5K | |
Smith Paul John Filed | Smith Paul John | Grant / award | +544 | |
Crawford Frederick John Filed | Crawford Frederick John | Grant / award | +544 | |
HILZINGER KURT J Filed | HILZINGER KURT J | Grant / award | +233 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Field Robert Stuart Filed | Field Robert Stuart | Grant / award | +852 | |
Martin Aaron Filed | Martin Aaron | Grant / award | +8.2K | |
Mehta Japan Filed | Mehta Japan | Grant / award | +9.4K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
62BROIC >12% Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor0.9%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$10.65
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$123.04
Cash & short-term investments per share (Finnhub)
Book Value / Share$160.00
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$12.37B
Total debt obligations (short + long term)
Cash & Equiv.$19.90B
Cash and short-term investments
Net Debt$-7.53BA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$17.66B
Shareholders' equity (book value)
Asset / Liability1.57xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$49.83B
Current Market Capitalization
Beta0.67B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Humana Inc. (HUM)
HUM is down 4.41% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Humana Inc.. Altman Z-Score of 5.03 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk.
- Beneish M-Score of -2.39 suggests a low likelihood of earnings manipulation.
- Company is effectively debt-free after netting cash.
See how HUM ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all HUM moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 9 | Pre-market | 452.00 | +16.76% | 7.51 |
| Oct 9 | Regular | 433.12 | +11.88% | 5.48 |
| Oct 9 | After-hours | 438.49 | +13.27% | 6.07 |
| Oct 8 | After-hours | 436.00 | +9.96% | 4.51 |
| Oct 5 | Regular | 403.15 | +3.81% | 2.11 |
Frequently Asked Questions about HUM
What is the current Humana Inc. (HUM) stock price?
HUM is trading at $413.16 at the last market close, down 4.41% on the session. PreMarketPrice tracks HUM pre-market, intraday and after-hours prices.
Is HUM stock a buy right now?
PreMarketPrice's quantitative model rates Humana Inc.'s financial health at 93/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is HUM stock overvalued?
Humana Inc. trades at a trailing P/E of 39.0 and our valuation score rates it 49/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Humana Inc. report earnings?
No confirmed earnings date is currently scheduled for HUM. The Earnings section lists recent reports and updates as dates are announced.
What sector does Humana Inc. operate in?
Humana Inc. operates in the Healthcare sector, within the Healthcare Plans industry. The Related Stocks section lists sector peers for comparison.
What does Humana Inc. do?
Humana is one of the largest private health insurers in the US, and the firm has built a niche specializing in government-sponsored programs, with nearly all its medical membership stemming from Medicare, Medicaid, and the military's Tricare program.
About Humana Inc. (HUM) Stock
Humana Inc. (HUM) is a US-listed stock operating in the Healthcare sector, specifically the Healthcare Plans industry. As of the latest update, Humana Inc. is trading at $413.16, down 4.41% on the day with a market capitalization of $49.8 billion. The financial health score for HUM is 93/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for HUM stock.
HUM Stock Analysis & Key Metrics
On PreMarketPrice, you can track Humana Inc. (HUM) across multiple dimensions:
- Pre-market price & movement: Real-time HUM stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for HUM with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Humana Inc. across multiple reporting periods.
- Financial health score: A composite score of 93/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for HUM.
- Sector peers: Compare HUM against 6 other healthcare stocks on key financial metrics.
Is HUM a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Humana Inc. (HUM) as an investment. The financial health score of 93/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Humana Inc. (HUM) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.