Humana Inc

  • Earnings Score
  • Moat Score
  • Safety Score
  • Market Cap $34.64B
  • PE 26
  • Debt $13.02B
  • Cash $5.12B
  • EV $42.54B
  • FCF -$4.34B

Earnings

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Sales & Net Margins

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Earnings$1.36B
EBIT$2.76B
ROE8%
ROA6%
FCF-$4.34B
Equity$17.62B
Growth Stability82%
PE25.52
PEG-2.49
PB1.97
P/FCF-7.97
P/S0.3
Price/Cash0.15
Debt/Equity0.74
Debt/FCF-3
Net Margins2%
Op. Margins2%
Earnings CAGR10%
Sales Growth YoY11%
Sales Growth QoQ-0%
Sales CAGR10%
FCF CAGR6%
Equity CAGR7%
Earnings Stability0.36
Earnings Growth YoY-42%
Earnings Growth QoQ-29%
Earnings CAGR 5Y-10%
Sales CAGR 5Y12%
FCF CAGR 5Y5%
Equity CAGR 5Y6%
Earnings CAGR 3Y12%
Sales CAGR 3Y12%
FCF CAGR 3Y19%
Equity CAGR 3Y3%
Market Cap$34.64B
Revenue$115.01B
Dividend Yield1%
Payout Ratio32%
Assets$50.01B
Total Debt$13.02B
Cash$5.12B
Shares Outstanding120.37M
EV42.54B
Earnings Score22%
Moat Score71%
Safety Score64%
Final Score52%
Working Capital14.2B
Current Ratio1.76
Shares Growth 3y-2%
Equity Growth QoQ5%
Equity Growth YoY4%

Assets & ROA

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Stockholders Equity & ROE

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Humana is one of the largest private health insurers in the U.S. with a focus on administering Medicare Advantage plans. The firm has built a niche specializing in government-sponsored programs, with nearly all its medical membership stemming from individual and group Medicare Advantage, Medicaid, and the military's Tricare program. The firm is also a leader in stand-alone prescription drug plans for seniors enrolled in traditional fee-for-service Medicare. Humana offers employer-based plans primarily for small businesses along with specialty insurance offerings such as dental, vision, and life. Beyond medical insurance, the company provides other healthcare services, including primary-care services, at-home services, and pharmacy benefit management.

SEC Filings

Direct access to Humana Inc (HUM) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Humana Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Humana Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 10%
Stability 36%
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Humana Inc Discounted Cash Flow

Fully customizable DCF calculator online for Humana Inc.

= -$68B
012345678910TV
fcf-$4.3B-$4.6B-$4.9B-$5.2B-$5.6B-$5.9B-$6.3B-$6.7B-$7.2B-$7.6B-$8.1B-$81B
DCF-$4.2B-$4.1B-$3.9B-$3.8B-$3.7B-$3.6B-$3.5B-$3.3B-$3.2B-$3.1B-$31B
Value-$68B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Net Margins2%2%1%5%3%4%4%4%3%2%2%
ROA-11%7%16%12%13%14%8%9%9%6%
ROE-12%6%25%17%22%25%18%18%15%8%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023TTM
Debt over FCF-11.942.91.43.891.251.4213.213.213.92-3
Debt over Equity0.40.40.380.50.60.470.490.780.720.710.74
Growth Stability---100%100%100%100%100%93%82%82%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201412/201512/201612/201712/201812/201912/202012/202112/202212/2023CAGR 5Y
Revenue YoY growth-12%0%-1%6%14%19%8%12%15%12%
Earnings YoY growth-11%-52%299%-31%61%24%-13%-4%-11%-10%
Equity YoY growth-7%3%-8%3%18%14%17%-5%6%6%
FCF YoY growth--68%308%150%-56%191%3%-80%266%-14%5%