Stock AnalizHumana Inc. HUM
Medical Specialities · data as of November 13, 2026
Humana Inc. (HUM) is a healthcare company listed in the US with a market value of about $54.0B. In the twelve months to September 30, 2026 it had revenue of $154.2B and net income of $1.2B, a net margin of 0.8%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is value (2/5).
Key numbers: a P/E of 43.7, a price to free cash flow of 17.2, 5-year revenue growth of 11% a year, a 5-year average ROIC of 9%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 15% above the current price.
Score: 2.4 / 5
Checks passed
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
Checks not passed
- P/E below 25
- P/E below the industry median
- PEG below 1.5
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $154.2B | $129.7B | $117.8B | $106.4B | $92.9B | $83.1B | $77.2B | $64.9B | $56.9B | $53.8B | $54.4B |
| Net income | $1.2B | $1.2B | $1.2B | $2.5B | $2.8B | $2.9B | $3.4B | $2.7B | $1.7B | $2.4B | $614M |
| Free cash flow | $3.1B | $375M | $2.4B | $3.0B | $3.5B | $920M | $4.7B | $4.5B | $1.6B | $3.5B | $1.4B |
| EPS (diluted) | $10.30 | $9.84 | $9.98 | $20.00 | $22.08 | $22.67 | $25.31 | $20.10 | $12.16 | $16.81 | $4.07 |
| Net margin | 0.8% | 0.9% | 1.0% | 2.3% | 3.0% | 3.5% | 4.4% | 4.2% | 3.0% | 4.5% | 1.1% |
| ROIC | — | 7.3% | 6.7% | 10.5% | 11.1% | 9.2% | 17.2% | 13.7% | 15.5% | 17.6% | 9.3% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 24 analysts is $494.25, 10% above the current price; targets range from $280.00 to $602.00; the consensus rating is “Buy”; expected EPS is $9.52 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Humana’s P/E ratio?
About 43.7, based on the last twelve months of diluted earnings per share (forward P/E about 30.6).
Is Humana stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 15% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Humana pay a dividend?
Yes. The dividend yield is about 0.79%, and it has paid dividends for 10 years in our data.
Is Humana a good stock to buy?
We do not give buy or sell advice. Humana scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.