HUMANA INC (HUM) Factsheet
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HUMANA INC (HUM) Stock Analysis
Analysis from 10-Q filed 2026-07-29. Data as of Q2 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 1.3%. D/E 0.7x. Source: 10-Q filed 2026-07-29.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 1.3% | Cash flow pressure |
| Debt/Equity | 0.7x | Moderate leverage |
FCF margin 1.3% — Bottom 10%.
Explore HUMANA INC: Earnings History | Filings
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 -19.5%. Source: 10-Q filed 2026-07-29.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of -19.5% |
| Return on Equity (ROE) | 7.0% | Warning | Moderate equity returns |
Cash Flow: HUMANA INC generates $1.9B FCF at 1.3% margin, positive NaN/8 quarters
FCF TTM $1.9B. FCF margin 1.3%, Bottom 10%. OCF/Net income 2.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-07-29.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 1.3% | Warning | Thin cash margins |
| Free Cash Flow (TTM) | $1.9B | Good | Positive cash generation |
| OCF/Net Income | 2.0x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: HUMANA INC at 0.7x leverage, 3.8x interest coverage
Debt/Equity 0.7x. Net cash $9.6B. Interest coverage 3.8x. Source: 10-Q filed 2026-07-29.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.7x | Adequate | Moderate leverage |
| Net Cash Position | $9.6B | Excellent | Net cash positive |
| Interest Coverage | 3.8x | Adequate | Monitor debt obligations |
Valuation: HUMANA INC trades at 35.9x earnings
P/E 35.9x. EV/Sales 0.2x. FCF yield 4.3%. Dividend yield 0.9%. Source: 10-Q filed 2026-07-29.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| P/E Ratio | 35.9x | Adequate | Premium valuation |
| EV/Sales | 0.2x | Excellent | Attractive revenue multiple |
| FCF Yield | 4.3% | Good | Lower cash yield |
| Dividend Yield | 0.9% | Adequate | Growth focus over income |
Capital Allocation: HUMANA INC returns 1.3% shareholder yield, reducing shares 0.2% YoY
Total shareholder yield 1.3% (div 0.9% + buyback 0.3%). Share count -0.2% YoY. Capital returned $580.0M TTM. Source: 10-Q filed 2026-07-29.
| Metric | HUM | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 1.3% | Adequate | Dividend + buyback yield combined |
| Buyback Yield | 0.3% | Adequate | Minimal buyback activity |
| Share Count Change (YoY) | -0.2% | Adequate | Net share reduction (accretive) |
| Total Capital Returned (TTM) | $580.0M | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 1.3% | Bottom 10% | 0.0x below |
| Return on Equity (ROE) | 7.0% | Bottom 50% | 0.6x below |
| P/E Ratio | 35.9x | N/A | - |
Financial Scorecard
| Metric | HUM | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 1.3% | Warning | Bottom 10% of sector (median: 27.3%) |
| Debt to Equity Ratio | 74.2% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 35.9x | Adequate | High expectations priced in |
| Free Cash Flow Yield | 4.3% | Adequate | Moderate 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 -19.5%. Source: 10-Q filed 2026-07-29.
Q: What is HUMANA INC's Free Cash Flow Margin?
HUMANA INC (HUM) has a free cash flow margin of 1.3%, generating $1.9 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2026-07-29.
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 35.9x, which is above the sector median of N/A. EV/Sales 0.2x. FCF yield 4.3%. Source: 10-Q filed 2026-07-29.
Q: Does HUMANA INC pay a dividend?
HUMANA INC (HUM) currently pays a dividend yield of 0.9%. Total shareholder yield (dividend + buybacks) 1.3%. Source: 10-Q filed 2026-07-29.
Q: How much debt does HUMANA INC have?
HUMANA INC (HUM) has a debt-to-equity ratio of 0.7x with total debt of $14.2 billion. Interest coverage 3.8x. Net cash position $9.6 billion. Source: 10-Q filed 2026-07-29.
Q: What is HUMANA INC's revenue and earnings growth?
HUMANA INC (HUM) grew revenue by 18.3% year-over-year. EPS -18.9% YoY. Source: 10-Q filed 2026-07-29.
Q: Is HUMANA INC buying back stock?
HUMANA INC (HUM) repurchased $150.0 million of stock over the trailing twelve months. This represents a buyback yield of 0.3%. Share count -0.2% YoY. Source: 10-Q filed 2026-07-29.
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 -19.5% (N/Ax). FCF margin 1.3%, sector median 27.3% (Bottom 10%). 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 1.3% (below 5%). Source: 10-Q filed 2026-07-29.
Data Source: Data sourced from 10-Q filed 2026-07-29. TTM metrics as of Q2 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.