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.
It is a $52.6B healthcare company. Revenue grew 18.3% over the last year, it keeps 1¢ of every dollar of sales as profit, and it holds more cash than debt. It trades at 40.5× earnings — near the highest of its own history.
- Website
- humana.com
- Location
- Louisville, KY
- Employees
- 67 060
- Sector
- Healthcare
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong quality; Valuation, Growth and Profitability lag behind.
Valuation49
- P/E vs own history100th pct · 0/25
- FCF yield3.7% · 12/25
- P/S0.4x · 25/25
- EV/EBITDA18.0x · 12/25
Growth45
- Revenue CAGR11.8% · 20/25
- Net income CAGR-20.2% · 0/25
- EPS CAGR ~5Y-17.2% · 0/25
- Fwd implied growth59.1% · 25/25
Profitability28
- ROIC11.7% · 12/25
- ROE6.9% · 5/25
- Net margin0.9% · 6/25
- Operating margin1.8% · 5/25
Health53
- Altman Z2.34 · 18/25
- Current ratio0.01 · 0/25
- Interest coverage3.5x · 10/25
- Net cash / debtNet cash · 25/25
Quality85
- Piotroski F5/9 · 15/25
- Beneish M-2.39 · 20/25
- FCF conversion152% · 25/25
- Margin stabilityσ 2.1% · 25/25
Moat62
- ROIC >12% years10/10 yrs · 25/25
- Median gross marginn/a · 0/25
- FCF-positive years10/10 yrs · 25/25
- Worst-year net marginworst 0.9% · 12/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2023FinancialRevenue crossed $100B$106B for the year
- FY2020FinancialBest year on record$3.37B net income
- 2020MilestoneIt rebranded as Huma after acquiring BioBeats and Tarilian Laser Technologies, both British…
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $50B$54.4B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2015ProductMedopad launched a chemotherapy application for monitoring cancer patients, designed specifically for…
- 2013MilestoneMedopad became the first enterprise-class mobile health information system to receive CE approval
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Revenue growing 18.3% year over year
- Net cash position after subtracting debt from cash
Watch-outs
Nothing stands out as a concern in the available data.
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+18.3% YoY
- Profitable — makes more than it spends$1.28B TTM
- Profit growing — earnings are higher than last year-23.6% YoY
- Generates cash — cash left after running and investing$1.95B TTM
- Debt under control — could handle its obligationsmore cash than debt
- Established company — not a micro-cap — lower blow-up risk$52.6B market cap
- Not printing shares — share count not ballooning — you keep your slice-9.2% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distressAltman Z 2.3 — grey
- Pays a dividend — returns cash to shareholdersyield 0.83%
- Valuation not extreme — price not wildly above earningsP/E 40.5
Peer comparisonHumana Inc. vs 6 largest healthcare peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| HUM this company | $52.6B | 40.5 | +18.3% | 0.9% | Mixed |
| LLY Eli Lilly & Co. | $1.0T | 41.6 | +49.6% | 33.5% | Solid |
| JNJ Johnson & Johnson | $630.9B | 29.9 | +8.1% | 21.5% | Mixed |
| ABBV Abbvie Inc. | $488.5B | 77.4 | +10.4% | 9.8% | Mixed |
| MRK Merck & Co., Inc. | $361.0B | 113.2 | +4.6% | 4.8% | Mixed |
| UNH UNITEDHEALTH GROUP INCORPORATED (Delaware) | $340.7B | 24.1 | +6.5% | 3.1% | Mixed |
| NVS Novartis AG | $273.2B | 20.3 | +9.6% | 24.7% | Solid |
Head-to-head: HUM vs LLY · HUM vs JNJ · HUM vs ABBV
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/HUM
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of HUM on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $438.49 · market cap $52.6B.