HUMANA INC (HUM) Factsheet
HUMANA INC (HUM) Stock Analysis
Analysis from 10-Q filed 2025-11-05. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 0.9%. D/E 0.8x. Source: 10-Q filed 2025-11-05.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 0.9% | Cash flow pressure |
| Debt/Equity | 0.8x | Moderate leverage |
FCF margin 0.9% — Bottom 25%.
Explore HUMANA INC: Earnings History | Filings | ROIC Analysis
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for HUM: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: HUMANA INC earns N/A ROIC
ROIC TTM N/A, sector median 20.8%. Source: 10-Q filed 2025-11-05.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 20.8% |
| Return on Equity (ROE) | 6.2% | Warning | Moderate equity returns |
Cash Flow: HUMANA INC generates $1.3B FCF at 0.9% margin, positive NaN/8 quarters
FCF TTM $1.3B. FCF margin 0.9%, Bottom 25%. OCF/Net income 1.6x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-11-05.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 0.9% | Warning | Thin cash margins |
| Free Cash Flow (TTM) | $1.3B | Good | Positive cash generation |
| OCF/Net Income | 1.6x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: HUMANA INC at 0.8x leverage
Debt/Equity 0.8x. Net cash $8.0B. Source: 10-Q filed 2025-11-05.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.8x | Adequate | Moderate leverage |
| Net Cash Position | $8.0B | Excellent | Net cash positive |
Valuation: HUMANA INC trades at 17.7x earnings
P/E 17.7x. EV/Sales 0.1x. FCF yield 6.4%. Dividend yield 2.1%. Source: 10-Q filed 2025-11-05.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| P/E Ratio | 17.7x | Adequate | Reasonable valuation |
| EV/Sales | 0.1x | Excellent | Attractive revenue multiple |
| FCF Yield | 6.4% | Good | Attractive cash return |
| Dividend Yield | 2.1% | Adequate | Growth focus over income |
Capital Allocation: HUMANA INC returns 3.4% shareholder yield
Total shareholder yield 3.4% (div 2.1% + buyback 1.2%). Capital returned $678.0M TTM. Source: 10-Q filed 2025-11-05.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 3.4% | Good | Dividend + buyback yield combined |
| Buyback Yield | 1.2% | Adequate | Minimal buyback activity |
| Total Capital Returned (TTM) | $678.0M | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 0.9% | Bottom 25% | 0.0x below |
| Return on Equity (ROE) | 6.2% | Bottom 25% | 0.6x below |
| P/E Ratio | 17.7x | N/A | - |
Financial Scorecard
| Metric | HUM | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 0.9% | Warning | Bottom 25% of sector (median: 21.0%) |
| Debt to Equity Ratio | 75.3% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 17.7x | Adequate | Fair value |
| Free Cash Flow Yield | 6.4% | Good | Solid cash yield |
Frequently Asked Questions
Q: What is HUMANA INC's Return on Invested Capital (ROIC)?
HUMANA INC (HUM) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 20.8%. Source: 10-Q filed 2025-11-05.
Q: What is HUMANA INC's Free Cash Flow Margin?
HUMANA INC (HUM) has a free cash flow margin of 0.9%, generating $1.3 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-11-05.
Q: What is HUMANA INC's P/E ratio and how does it compare to peers?
HUMANA INC (HUM) trades at a P/E ratio of 17.7x, which is above the sector median of N/A. EV/Sales 0.1x. FCF yield 6.4%. Source: 10-Q filed 2025-11-05.
Q: Does HUMANA INC pay a dividend?
HUMANA INC (HUM) currently pays a dividend yield of 2.1%. Total shareholder yield (dividend + buybacks) 3.4%. Source: 10-Q filed 2025-11-05.
Q: How much debt does HUMANA INC have?
HUMANA INC (HUM) has a debt-to-equity ratio of 0.8x with total debt of $14.0 billion. Net cash position $8.0 billion. Source: 10-Q filed 2025-11-05.
Q: What is HUMANA INC's revenue and earnings growth?
HUMANA INC (HUM) grew revenue by 14.1% year-over-year. EPS -33.9% YoY. Source: 10-Q filed 2025-11-05.
Q: Is HUMANA INC buying back stock?
HUMANA INC (HUM) repurchased $249.0 million of stock over the trailing twelve months. This represents a buyback yield of 1.2%. Source: 10-Q filed 2025-11-05.
Q: How does HUMANA INC compare to competitors in Financials?
Compared to other companies in Financials, HUMANA INC (HUM) shows: ROIC N/A, sector median 20.8% (NaNx). FCF margin 0.9%, sector median 21.0% (Bottom 25%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with HUMANA INC?
Quantitative warning flags for HUMANA INC (HUM): 1) FCF margin 0.9% (below 5%). Source: 10-Q filed 2025-11-05.
Data Source: Data sourced from 10-Q filed 2025-11-05. TTM metrics as of Q1 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.