company background image
HUM

Humana OM:HUM Stock Report

Last Price

kr45.65

Market Cap

kr2.2b

7D

4.8%

1Y

-32.1%

Updated

29 Jun, 2022

Data

Company Financials +
HUM fundamental analysis
Snowflake Score
Valuation6/6
Future Growth3/6
Past Performance2/6
Financial Health3/6
Dividends0/6

HUM Stock Overview

Humana AB (publ) provides individual and family care services for children and adults in Sweden, Finland, Norway, and Denmark.

Humana Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Humana
Historical stock prices
Current Share Pricekr45.65
52 Week Highkr84.90
52 Week Lowkr42.45
Beta1.11
1 Month Change-7.96%
3 Month Change-24.30%
1 Year Change-32.07%
3 Year Change-21.56%
5 Year Change-27.54%
Change since IPO-38.31%

Recent News & Updates

Shareholder Returns

HUMSE HealthcareSE Market
7D4.8%-1.7%-0.06%
1Y-32.1%-37.5%-22.4%

Return vs Industry: HUM exceeded the Swedish Healthcare industry which returned -36.6% over the past year.

Return vs Market: HUM underperformed the Swedish Market which returned -22.4% over the past year.

Price Volatility

Is HUM's price volatile compared to industry and market?
HUM volatility
HUM Average Weekly Movement4.5%
Healthcare Industry Average Movement4.9%
Market Average Movement7.4%
10% most volatile stocks in SE Market12.3%
10% least volatile stocks in SE Market4.7%

Stable Share Price: HUM is less volatile than 75% of Swedish stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: HUM's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
200114,783Johanna Rastadhttps://www.humana.se

Humana AB (publ) provides individual and family care services for children and adults in Sweden, Finland, Norway, and Denmark. It operates through five segments: Individual & Family, Personal Assistance, Elderly Care, Finland, and Norway segments. The Individual & Family segment provides care and treatment for psychosocial disorders, mental illness, and functional impairment; residential care homes; interim and regular family-based care services; special service housing; outpatient care services; assisted living homes; and specially adapted housing for individuals with functional impairments and special education schools.

Humana Fundamentals Summary

How do Humana's earnings and revenue compare to its market cap?
HUM fundamental statistics
Market Capkr2.18b
Earnings (TTM)kr242.00m
Revenue (TTM)kr8.35b

9.0x

P/E Ratio

0.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
HUM income statement (TTM)
Revenuekr8.35b
Cost of Revenuekr6.47b
Gross Profitkr1.88b
Other Expenseskr1.64b
Earningskr242.00m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Aug 18, 2022

Earnings per share (EPS)5.06
Gross Margin22.50%
Net Profit Margin2.90%
Debt/Equity Ratio85.4%

How did HUM perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is HUM undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for HUM?

Other financial metrics that can be useful for relative valuation.

HUM key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.8x
Enterprise Value/EBITDA12.2x
PEG Ratio0.5x

Price to Earnings Ratio vs Peers

How does HUM's PE Ratio compare to its peers?

HUM PE Ratio vs Peers
The above table shows the PE ratio for HUM vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average237.2x
ATT Attendo
110.3x68.9%kr3.6b
AMBEA Ambea
17.5x23.0%kr4.5b
ELOS B Elos Medtech
26.1xn/akr2.0b
SYNT SyntheticMR
794.9x77.7%kr1.4b
HUM Humana
9x19.0%kr2.2b

Price-To-Earnings vs Peers: HUM is good value based on its Price-To-Earnings Ratio (9x) compared to the peer average (237.2x).


Price to Earnings Ratio vs Industry

How does HUM's PE Ratio compare vs other companies in the European Healthcare Industry?

Price-To-Earnings vs Industry: HUM is good value based on its Price-To-Earnings Ratio (9x) compared to the Swedish Healthcare industry average (18.6x)


Price to Earnings Ratio vs Fair Ratio

What is HUM's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

HUM PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9x
Fair PE Ratio29.9x

Price-To-Earnings vs Fair Ratio: HUM is good value based on its Price-To-Earnings Ratio (9x) compared to the estimated Fair Price-To-Earnings Ratio (29.9x).


Share Price vs Fair Value

What is the Fair Price of HUM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: HUM (SEK45.65) is trading below our estimate of fair value (SEK178.63)

Significantly Below Fair Value: HUM is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: HUM is good value based on its PEG Ratio (0.5x)


Discover undervalued companies

Future Growth

How is Humana forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

Future Growth Score

3/6

Future Growth Score 3/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


19.0%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: HUM's forecast earnings growth (19% per year) is above the savings rate (0.3%).

Earnings vs Market: HUM's earnings (19% per year) are forecast to grow faster than the Swedish market (9.6% per year).

High Growth Earnings: HUM's earnings are forecast to grow, but not significantly.

Revenue vs Market: HUM's revenue (5.8% per year) is forecast to grow faster than the Swedish market (5.5% per year).

High Growth Revenue: HUM's revenue (5.8% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: HUM's Return on Equity is forecast to be low in 3 years time (11.2%).


Discover growth companies

Past Performance

How has Humana performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


5.7%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: HUM has high quality earnings.

Growing Profit Margin: HUM's current net profit margins (2.9%) are lower than last year (3.5%).


Past Earnings Growth Analysis

Earnings Trend: HUM's earnings have grown by 5.7% per year over the past 5 years.

Accelerating Growth: HUM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: HUM had negative earnings growth (-11%) over the past year, making it difficult to compare to the Healthcare industry average (75.5%).


Return on Equity

High ROE: HUM's Return on Equity (9.5%) is considered low.


Discover strong past performing companies

Financial Health

How is Humana's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: HUM's short term assets (SEK1.7B) do not cover its short term liabilities (SEK1.8B).

Long Term Liabilities: HUM's short term assets (SEK1.7B) do not cover its long term liabilities (SEK4.8B).


Debt to Equity History and Analysis

Debt Level: HUM's net debt to equity ratio (62.1%) is considered high.

Reducing Debt: HUM's debt to equity ratio has reduced from 111.7% to 85.4% over the past 5 years.

Debt Coverage: HUM's debt is well covered by operating cash flow (27.5%).

Interest Coverage: HUM's interest payments on its debt are well covered by EBIT (3.3x coverage).


Balance Sheet


Discover healthy companies

Dividend

What is Humana current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.74%

Forecast Dividend Yield

Dividend Yield vs Market

Notable Dividend: Unable to evaluate HUM's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate HUM's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if HUM's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if HUM's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: HUM is not paying a notable dividend for the Swedish market.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as HUM has not reported any payouts.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

0.5yrs

Average management tenure


CEO

Johanna Rastad (41 yo)

0.50

Tenure

Ms. Johanna Rastad serves as President and Chief Executive Officer of Humana AB (publ) since December 17, 2021. She served as Director of Camanio Care AB since April 23, 2018. Ms. Rastad has been Business...


Leadership Team

Experienced Management: HUM's management team is not considered experienced ( 0.5 years average tenure), which suggests a new team.


Board Members

Experienced Board: HUM's board of directors are considered experienced (3.1 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: HUM insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Humana AB (publ)'s employee growth, exchange listings and data sources


Key Information

  • Name: Humana AB (publ)
  • Ticker: HUM
  • Exchange: OM
  • Founded: 2001
  • Industry: Health Care Facilities
  • Sector: Healthcare
  • Implied Market Cap: kr2.183b
  • Shares outstanding: 47.83m
  • Website: https://www.humana.se

Number of Employees


Location

  • Humana AB (publ)
  • Warfvinges väg 39
  • 7th floor
  • Stockholm
  • Stockholm County
  • 112 51
  • Sweden

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/29 00:00
End of Day Share Price2022/06/29 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.