HUM
Humana
$360.72
▲ 0.0%Updated Today 7:15 PM ET
▲ Up 48.2% over the last 12 months
Market Cap
$43.30B
P/E
38.77x
Forward P/E (est.)
55.39x
ROE
6.2%
Revenue Growth
14.1%
EPS Growth
-33.9%
Profit Margin
0.8%
FCF Yield
8.5%
Debt / Equity
0.7x
ROIC
10.0%
Interest Coverage
5.48x
Current Ratio
1.77x
Dividend Yield
0.9%
Implied Growth (rev. DCF)
8.1%
Rating Score
42/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what HUM's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. HUM trades near $360.72, above its 50-day average ($278.59) and 200-day average ($248.68). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 74 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. HUM's is $13.04 (~3.6% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month HUM found buyers near $300.00 (support) and sellers near $380.86 (resistance); its 52-week range is $163.11–$380.86. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.1× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Humana (HUM) is a large-cap company in the Managed Health Care industry, part of the Health Care sector of the S&P 500, with a market value around $43.30B.
In its latest reported year it generated about $129.66B in revenue and $1.19B in net profit.
Our model rates HUM Neutral (42/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
11.8%
Revenue moved from $83.06B in 2021 to $129.66B in 2025, a 11.8% compound annual growth rate. The most recent year grew a steady 14.1% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
2.1%
Net Margin
0.9%
ROE
6.2%
Humana keeps about 0.8% of each sales dollar as net profit. Return on equity is 6.2% and return on invested capital about 10.0%. Thin margins leave less cushion if costs rise.
Total Debt
$2.60B
Net Debt
-$2.35B
Net cash position
Net Debt / EBITDA
-0.87x
Debt / Equity
0.7x
Leverage: debt-to-equity is 0.7x, and operating profit covers interest about 5.5x, with a current ratio of 1.8x. That is a moderate, manageable debt load for most businesses. It carries roughly $2.60B of total debt against $4.95B of cash.
Operating CF
$921.00M
Free Cash Flow
$375.00M
FCF Margin
0.3%
In the latest year Humana produced about $921.00M of operating cash flow and $375.00M of free cash flow after capital spending. That is a free-cash-flow yield of about 8.5% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
38.77x
P/S
0.35x
P/B
1.7x
EV / EBITDA
12.35x
HUM trades at 38.8x trailing earnings (about 55.4x on estimated forward earnings), 0.3x sales, and 1.7x book value. Reverse-engineering today's price implies the market expects roughly 8.1% long-term free-cash-flow growth. That is a premium multiple that needs growth to justify it.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How HUM stacks up against its Health Care peers — valuation, profitability, and growth versus the sector median.
In the Health Care sector (59 S&P 500 companies), HUM ranks #46 of 59 by our overall rating. It trades at a premium versus the sector on earnings (38.8x P/E vs. 25.4x median) with a lower return on equity (6.2% vs. 14.9%) and faster revenue growth (14.1% vs. 7.9%).
P/E vs sector
38.8x
median 25.4x
ROE vs sector
6.2%
median 14.9%
Growth vs sector
14.1%
median 7.9%
Sector rank
#46
of 59 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Health Care companies by sub-industry and size. Sector median is across all 59 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$1,434.79 – $2,432.91
vs. $360.72 today · expected CAGR 32% – 46%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $147.82B | $168.51B | $192.10B | $219.00B | $249.66B |
| Net income | $4.43B | $5.06B | $5.76B | $6.57B | $7.49B |
| EPS | $36.94 | $42.11 | $48.00 | $54.72 | $62.38 |
| Share price (low) | $849.51 | $968.44 | $1,104.03 | $1,258.59 | $1,434.79 |
| Share price (high) | $1,440.48 | $1,642.14 | $1,872.04 | $2,134.13 | $2,432.91 |
| CAGR (low–high) | 136% / 299% | 64% / 113% | 45% / 73% | 37% / 56% | 32% / 46% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for HUM:
- Revenue is growing 14.1% a year, a sign of real demand.
- Healthy free-cash-flow yield (~8.5%) funds buybacks and dividends.
The case against HUM:
- Thin net margins (0.8%) leave little room for error.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Valuation risk — at 38.8x earnings, disappointing results could compress the multiple.
Margin risk — thin profitability (0.8%) is vulnerable to cost or pricing pressure.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Humana is a large-cap health care business still growing nicely, with modest profitability, and a heavier debt load to watch. It trades at 38.8x earnings, which our model scores Neutral (42/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.