Stocktoria

HUMANA INC HUM

NYSE · stock · Hospital & Medical Service Plans · website · IPO 1971-05-18 · LEI

HUMANA INC statistics & valuation

Market cap$46.1B
P / E38.8×
P / S0.4×
P / B2.6×
P / FCF122.9×
Dividend yield0.93%
Net margin0.9%
Return on equity6.7%
FCF margin0.3%
Net debt$8.2B
Net debt / EBITDA2.3×
Enterprise value USD$54.3B
EV / EBITDA15.6×
Earnings yield EBIT/EV5%
Return on capital8.3%
Graham number -53.6%$180.28

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($180.28); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
1.10% 4.60% 3.00% 4.20% 4.40% 3.50% 3.00% 2.30% 1.00% 0.90% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
3.20% 7.90% 5.40% 4.90% 6.50% 3.80% 4.10% 3.80% 2.20% 2.10% 2016201720182019202020212022202320242025
Return on equity (%)
5.70% 24.90% 16.60% 22.50% 24.50% 18.20% 18.30% 15.30% 7.30% 6.70% 2016201720182019202020212022202320242025
Shares outstanding
150.9M 145.6M 138.4M 134.7M 133.0M 129.4M 127.1M 124.4M 120.9M 120.8M 2016201720182019202020212022202320242025
Net debt ($)
-$85.0M $728.0M $2.03B $913.0M $1.39B $7.15B $3.97B $5.52B $8.92B $8.17B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
2.40% 9.00% 6.60% 9.30% 9.60% 6.60% 6.50% 5.30% 2.60% 2.40% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2.60% 6.60% 2.70% 7.00% 6.10% 1.10% 3.70% 2.80% 2.00% 0.30% 2016201720182019202020212022202320242025
Debt / equity (×)
0.35× 0.48× 0.43× 0.41× 0.44× 0.65× 0.59× 0.63× 0.68× 0.70× 2016201720182019202020212022202320242025
EPS ($)
$4.07 $16.81 $12.16 $20.10 $25.31 $22.67 $22.08 $20.00 $9.98 $9.84 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

HUMANA INC trades at about 39.5× earnings — above its 10-year norm (10-year range 15.1×–48.8×, median 19.8×).

15.1× 48.8×

Shaded band = 10-year range (15.1×–48.8×); dot = today's 39.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin2.1%2.2%3.8%4.1%3.8%6.5%4.9%5.4%7.9%3.2%
Net margin0.9%1.0%2.3%3.0%3.5%4.4%4.2%3.0%4.6%1.1%
FCF margin0.3%2.0%2.8%3.7%1.1%6.1%7.0%2.7%6.6%2.6%
Return on assets2.4%2.6%5.3%6.5%6.6%9.6%9.3%6.6%9.0%2.4%
Return on equity6.7%7.3%15.3%18.3%18.2%24.5%22.5%16.6%24.9%5.7%
Debt / equity0.70×0.68×0.63×0.59×0.65×0.44×0.41×0.43×0.48×0.35×
Current ratio2.001.761.591.521.621.771.821.681.852.07

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.