# Humana Inc. (HUM) — Stock CV

Humana Inc. 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.

> 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.

## Identity

- **Ticker**: HUM
- **Sector**: Healthcare
- **Industry**: Healthcare Plans
- **Headquarters**: LOUISVILLE, KY
- **Employees**: 67 060
- **Website**: https://www.humana.com
- **Market cap**: $52.6B
- **Last price**: $438.49
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $146B
- **Net income**: $1.28B
- **Free cash flow**: $1.95B
- **Net cash**: $7.53B
- **P/E**: 40.5
- **Revenue growth (YoY)**: 18.3%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 49 |
| Growth | 45 |
| Profitability | 28 |
| Health | 53 |
| Quality | 85 |
| Moat | 62 |

## Qualifications (beginner checklist) — 10 of 11 passed

- [x] Revenue growing — +18.3% YoY
- [x] Profitable — $1.28B TTM
- [ ] Profit growing — -23.6% YoY
- [x] Generates cash — $1.95B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $52.6B market cap
- [x] Not printing shares — -9.2% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [x] Financially stable — Altman Z 2.3 — grey
- [x] Pays a dividend — yield 0.83%
- [x] Valuation not extreme — P/E 40.5

## Experience (career milestones)

- **FY2023** — Revenue crossed $100B: $106B for the year
- **FY2020** — Best year on record: $3.37B net income
- **2020** — It rebranded as Huma after acquiring BioBeats and Tarilian Laser Technologies, both British…
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $50B: $54.4B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **2015** — Medopad launched a chemotherapy application for monitoring cancer patients, designed specifically for…
- **2013** — Medopad became the first enterprise-class mobile health information system to receive CE approval

## Strengths

- Revenue growing 18.3% year over year
- Net cash position after subtracting debt from cash

## Watch-outs

- None stand out in the data.

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $83.1B | $2.93B | $946M |
| FY2022 | $92.9B | $2.81B | $3.47B |
| FY2023 | $106B | $2.49B | $2.98B |
| FY2024 | $118B | $1.21B | $2.39B |
| FY2025 | $130B | $1.19B | $375M |

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Source: https://stockcv.com/HUM — derived from company filings; may be delayed or incomplete. Information, not investment advice.