HUMANA INC (HUM) Factsheet

HUMANA INC (HUM) Stock Analysis

Analysis from 10-Q filed 2026-11-06. Data as of Q3 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC N/A. FCF margin 2.0%. D/E 0.7x. Source: 10-Q filed 2026-11-06.

Metric	Value	Context
ROIC	N/A	Below expectations
FCF Margin	2.0%	Cash flow pressure
Debt/Equity	0.7x	Moderate leverage

FCF margin 2.0% — Bottom 25%.

Explore HUMANA INC: Earnings History | Overview

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_section, get_metric_history, compare_companies, screen_filing_signals.

---

Profitability: HUMANA INC earns N/A ROIC

ROIC TTM N/A. Source: 10-Q filed 2026-11-06.

Metric	HUM	Rating	Context
Return on Invested Capital (ROIC)	N/A	Red flag	Below cost of capital
Return on Equity (ROE)	6.7%	Warning	Moderate equity returns

---

Cash Flow: HUMANA INC generates $3.1B FCF at 2.0% margin, positive NaN/8 quarters

FCF TTM $3.1B. FCF margin 2.0%, Bottom 25%. OCF/Net income 3.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-11-06.

Metric	HUM	Rating	Context
Free Cash Flow Margin	2.0%	Warning	Thin cash margins
Free Cash Flow (TTM)	$3.1B	Good	Positive cash generation
OCF/Net Income	3.0x	Excellent	High earnings quality
FCF Consistency (8Q)	N/A	Warning	Variable cash flow

---

Balance Sheet: HUMANA INC at 0.7x leverage, 3.2x interest coverage

Debt/Equity 0.7x. Net cash $12.6B. Interest coverage 3.2x. Source: 10-Q filed 2026-11-06.

Metric	HUM	Rating	Context
Debt to Equity	0.7x	Good	Moderate leverage
Net Cash Position	$12.6B	Excellent	Net cash positive
Interest Coverage	3.2x	Adequate	Monitor debt obligations

---

Valuation: HUMANA INC trades at 42.8x earnings

P/E 42.8x. EV/Sales 0.3x. FCF yield 5.9%. Dividend yield 0.8%. Source: 10-Q filed 2026-11-06.

Metric	HUM	Rating	Context
P/E Ratio	42.8x	Adequate	Premium valuation
EV/Sales	0.3x	Excellent	Attractive revenue multiple
FCF Yield	5.9%	Good	Attractive cash return
Dividend Yield	0.8%	Adequate	Growth focus over income

---

Capital Allocation: HUMANA INC returns 1.1% shareholder yield, reducing shares 0.1% YoY

Total shareholder yield 1.1% (div 0.8% + buyback 0.3%). Share count -0.1% YoY. Capital returned $581.0M TTM. Source: 10-Q filed 2026-11-06.

Metric	HUM	Rating	Context
Total Shareholder Yield	1.1%	Adequate	Dividend + buyback yield combined
Buyback Yield	0.3%	Adequate	Minimal buyback activity
Share Count Change (YoY)	-0.1%	Adequate	Net share reduction (accretive)
Total Capital Returned (TTM)	$581.0M	Good	Dividends + buybacks returned to shareholders

---

Sector Rankings

Metric	Value	Percentile	vs Median
Free Cash Flow Margin	2.0%	Bottom 25%	0.1x below
Return on Equity (ROE)	6.7%	Bottom 50%	0.6x below
P/E Ratio	42.8x	N/A	-

---

Financial Scorecard

Metric	HUM	Rating	Sector Context
Free Cash Flow Margin	2.0%	Warning	Bottom 25% of sector (median: 28.4%)
Debt to Equity Ratio	66.4%	Good	Moderate leverage
P/E Ratio (Price-to-Earnings)	42.8x	Adequate	High expectations priced in
Free Cash Flow Yield	5.9%	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. Source: 10-Q filed 2026-11-06.

Q: What is HUMANA INC's Free Cash Flow Margin?

HUMANA INC (HUM) has a free cash flow margin of 2.0%, generating $3.1 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2026-11-06.

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 42.8x, which is above the sector median of N/A. EV/Sales 0.3x. FCF yield 5.9%. Source: 10-Q filed 2026-11-06.

Q: Does HUMANA INC pay a dividend?

HUMANA INC (HUM) currently pays a dividend yield of 0.8%. Total shareholder yield (dividend + buybacks) 1.1%. Source: 10-Q filed 2026-11-06.

Q: How much debt does HUMANA INC have?

HUMANA INC (HUM) has a debt-to-equity ratio of 0.7x with total debt of $12.5 billion. Interest coverage 3.2x. Net cash position $12.6 billion. Source: 10-Q filed 2026-11-06.

Q: What is HUMANA INC's revenue and earnings growth?

HUMANA INC (HUM) grew revenue by 22.0% year-over-year. EPS -3.8% YoY. Source: 10-Q filed 2026-11-06.

Q: Is HUMANA INC buying back stock?

HUMANA INC (HUM) repurchased $152.0 million of stock over the trailing twelve months. This represents a buyback yield of 0.3%. Share count -0.1% YoY. Source: 10-Q filed 2026-11-06.

Q: How does HUMANA INC compare to competitors in Financials?

Compared to other companies in Financials, HUMANA INC (HUM) shows: FCF margin 2.0%, sector median 28.4% (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 2.0% (below 5%). Source: 10-Q filed 2026-11-06.

---

Data Source: Data sourced from 10-Q filed 2026-11-06. TTM metrics as of Q3 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.