Humana Inc. (HUM) Valuation
Historical valuation analysis based on 1279 data points (2021-09-14 to 2026-10-16)
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 Me...
Humana Inc. (HUM) currently trades at a P/E ratio of 38.79 (historical range: 13.95–41.52, median: 21.25), placing it at the 99th percentile — expensive relative to its history, P/S ratio of 0.34 (range: 0.15–0.78, 41th percentile — near its historical average), EV/EBITDA of 15.55 (range: 4.12–20.88, 75th percentile).
Over the historical period (2021-09-14 to 2026-10-16), Humana Inc.'s P/E ratio has expanded by 22% over the observed period (from an average of 20.0 to 24.5).
Humana Inc. trades above its historical valuation range, with most metrics above their median levels.
Historical Valuation Metrics
| Metric | Current | Median | %ile | Assessment |
|---|---|---|---|---|
| P/E Ratio | 38.79 | 21.25 | 99th | expensive relative to its history |
| P/S Ratio | 0.34 | 0.42 | 41th | near its historical average |
| EV/EBITDA | 15.55 | 9.83 | 75th | above its historical average |
| FCF Yield | 3.93% | 6.87% | 23th | above its historical average |
Humana Inc. (HUM) Valuation & P/E History
Humana Inc. (HUM) is a US-listed stock operating in the Healthcare sector, specifically the Healthcare Plans industry currently trading at $415.00 with a market capitalization of $49.8 billion. This page provides historical valuation analysis for HUM based on 1279 data points covering 2021-09-14 to 2026-10-16. The P/E ratio of 38.79 is above the historical median of 21.25, placing HUM at the 99th percentile of its valuation range. The P/S ratio of 0.34 compares to a median of 0.42.
HUM Valuation Metrics & Historical Range
The valuation table above shows Humana Inc.'s current and historical valuation multiples, including P/E ratio, P/S ratio, EV/EBITDA, FCF yield, and dividend yield. Each metric is compared to its own historical range to determine whether HUM is currently trading above or below its typical valuation levels.
- P/E ratio: Price-to-earnings measures how much investors pay per dollar of earnings. A P/E above the historical median suggests HUM is expensively valued; below the median suggests it is cheap.
- P/S ratio: Price-to-sales is useful for companies with volatile or negative earnings. Lower P/S relative to history may indicate value.
- EV/EBITDA: Enterprise value to EBITDA adjusts for debt and cash, providing a capital-structure-neutral valuation measure for Humana Inc..
- FCF yield: Free cash flow yield shows the cash return relative to market price. Higher yields may indicate undervaluation.
Is HUM Overvalued or Undervalued?
Humana Inc. trades above its historical valuation range, with most metrics above their median levels. The overall valuation percentile of 72 combines P/E, P/S, and EV/EBITDA percentiles into a single measure of how expensive HUM is relative to its own history. A percentile below 25 suggests the stock may be undervalued, while a percentile above 75 suggests it may be overvalued.
However, valuation is only one factor in investment decisions. A stock can remain "overvalued" for years if growth accelerates, or "undervalued" if the business deteriorates. Always combine valuation analysis with financial statement analysis and the full HUM analysis page for a complete picture.
Valuation data is computed from historical price and fundamental data via Polygon.io and Finnhub.HUM trades on NYSE/NASDAQ. This page is for informational purposes only and is not financial advice.