Market Cap
US$38.8b
Last Updated
2019/10/21 23:36 UTC
Data Sources
Company Financials +
Executive Summary
Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States.
Snowflake
Fundamentals
Outstanding track record and good value.
Similar Companies
Share Price & News
How has Humana's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
8.8%
HUM
7.0%
US Healthcare
1.0%
US Market
1 Year Return
-12.1%
HUM
-8.8%
US Healthcare
8.0%
US Market
Return vs Industry: HUM underperformed the US Healthcare industry which returned -8.8% over the past year.
Return vs Market: HUM underperformed the US Market which returned 8% over the past year.
Shareholder returns
| HUM | Industry | Market | |
|---|---|---|---|
| 7 Day | 8.8% | 7.0% | 1.0% |
| 30 Day | 3.6% | 1.8% | -0.07% |
| 90 Day | 1.9% | -2.7% | -1.0% |
| 1 Year | -11.4%-12.1% | -7.3%-8.8% | 10.4%8.0% |
| 3 Year | 66.4%62.9% | 33.7%27.7% | 46.2%36.7% |
| 5 Year | 123.9%116.3% | 59.4%48.8% | 64.3%46.2% |
Price Volatility Vs. Market
How volatile is Humana's share price compared to the market and industry in the last 5 years?
Simply Wall St News
19 hours ago | Simply Wall St
Did You Miss Humana's (NYSE:HUM) Impressive 117% Share Price Gain?3 months ago | Simply Wall St
Should You Investigate Humana Inc. (NYSE:HUM) At US$264?3 months ago | Simply Wall St
Humana Inc.'s (NYSE:HUM) Earnings Dropped -3.6%, Did Its Industry Show Weakness Too?Valuation
Is Humana undervalued compared to its fair value and its price relative to the market?
42.0%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: HUM ($287.15) is trading below our estimate of fair value ($494.77)
Significantly Below Fair Value: HUM is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: HUM is good value based on its PE Ratio (15.6x) compared to the Healthcare industry average (21.1x).
PE vs Market: HUM is good value based on its PE Ratio (15.6x) compared to the US market (17.6x).
Price to Earnings Growth Ratio
PEG Ratio: HUM is poor value based on its PEG Ratio (1.9x)
Price to Book Ratio
PB vs Industry: HUM is overvalued based on its PB Ratio (3.3x) compared to the US Healthcare industry average (2.5x).
Next Steps
Future Growth
How is Humana forecast to perform in the next 1 to 3 years based on estimates from 19 analysts?
8.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HUM's forecast earnings growth (8.4% per year) is above the savings rate (2.7%).
Earnings vs Market: HUM's earnings (8.4% per year) are forecast to grow slower than the US market (14.5% per year).
High Growth Earnings: HUM's earnings are forecast to grow, but not significantly.
Revenue vs Market: HUM's revenue (8.4% per year) is forecast to grow faster than the US market (7.2% per year).
High Growth Revenue: HUM's revenue (8.4% 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 high in 3 years time (20.3%)
Next Steps
Past Performance
How has Humana performed over the past 5 years?
14.4%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: HUM's earnings have grown by 14.4% per year over the past 5 years.
Accelerating Growth: HUM's earnings growth over the past year (83.2%) exceeds its 5-year average (14.4% per year).
Earnings vs Industry: HUM earnings growth over the past year (83.2%) exceeded the Healthcare industry 5.6%.
Return on Equity
High ROE: HUM's Return on Equity (21.1%) is considered high.
Return on Assets
ROA vs Industry: HUM has a higher Return on Assets than the Healthcare industry average last year.
Return on Capital Employed
ROCE Improving: HUM has significantly improved its Return on Capital Employed over the past 3 years.
Next Steps
Financial Health
How is Humana's financial position?
Financial Position Analysis
Short Term Liabilities: HUM's short term assets ($20.2B) exceeds its short term liabilities ($11.5B)
Long Term Liabilities: HUM's short term assets (20.2B) exceeds its long term liabilities (5.5B)
Debt to Equity History and Analysis
Debt Level: HUM's debt to equity ratio (49.9%) is considered high
Reducing Debt: HUM's debt to equity ratio has increased from 29.1% to 49.9% over the past 5 years.
Debt Coverage: HUM's debt is not well covered by operating cash flow (15.9%).
Interest Coverage: HUM's interest payments on its debt are well covered by EBIT (14.7x coverage).
Balance Sheet
Inventory Level: HUM has a low level of unsold assets or inventory.
Debt Coverage by Assets: HUM's debt is covered by short term assets (assets are 3.399660x debt).
Next Steps
Dividend
What is Humana's current dividend yield, its reliability and sustainability?
0.77%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: HUM's dividend (0.77%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: HUM's dividend (0.77%) is low compared to the top 25% of dividend payers in the US market (3.68%).
Stable Dividend: HUM is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: HUM is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: HUM is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of HUM's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
What is the CEO of Humana's salary, the management and board of directors tenure and is there insider trading?
4.8yrs
Average management tenure
CEO
Bruce Broussard (57yo)
6.8yrs
Tenure
US$16,312,517
Compensation
Mr. Bruce Dale Broussard serves as the Member of Advisory Board of HealthQuest Capital. Mr. Bruce serves as the President and chief Executive Officer at Humana Insurance Company of Kentucky. Mr. Bruce serv ...
CEO Compensation Analysis
Compensation vs. Market: Bruce's total compensation ($USD16.31M) is about average for companies of similar size in the US market ($USD11.18M).
Compensation vs Earnings: Bruce's compensation has been consistent with company performance over the past year.
Management Age and Tenure
4.8yrs
Average Tenure
53.5yo
Average Age
Experienced Management: HUM's management team is considered experienced (4.8 years average tenure).
Board Age and Tenure
11.6yrs
Average Tenure
60.5yo
Average Age
Experienced Board: HUM's board of directors are seasoned and experienced ( 11.6 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Senior Key Executive Chief Consumer Officer |
| Shares | 2,844 |
| Max Price | US$307.34 |
| Entity | Individual |
| Shares | 1,146 |
| Max Price | US$305.24 |
| Entity | Individual |
| Role | Chief Executive Officer President |
| Shares | 24,113 |
| Max Price | US$310.65 |
| Entity | Individual |
| Shares | 1,193 |
| Max Price | US$307.16 |
| Entity | Individual |
| Role | Senior Key Executive Segment President of Healthcare Services |
| Shares | 1,986 |
| Max Price | US$295.03 |
| Entity | Individual |
| Shares | 2,437 |
| Max Price | US$296.22 |
| Entity | Individual |
| Shares | 4,622 |
| Max Price | US$341.06 |
Ownership Breakdown
Management Team
Bruce Broussard (57yo)
President
- Tenure: 6.8yrs
- Compensation: US$16.31m
Jody Bilney (58yo)
Chief Consumer Officer
- Tenure: 6.5yrs
- Compensation: US$3.20m
Joe Ventura (42yo)
Chief Legal Officer & Corporate Secretary
- Tenure: 0.8yrs
William Fleming (51yo)
Segment President of Healthcare Services
- Tenure: 2.6yrs
- Compensation: US$3.16m
Tim Huval (53yo)
Chief Administrative Officer
- Tenure: 0yrs
- Compensation: US$3.31m
Brian Kane (46yo)
Chief Financial Officer
- Tenure: 5.3yrs
- Compensation: US$5.01m
Cindy Zipperle (56yo)
Senior VP
- Tenure: 4.8yrs
Sam Deshpande (54yo)
Chief Technology & Risk Officer
- Tenure: 0yrs
Amy Smith
Vice President of Investor Relations
- Tenure: 0yrs
Amy Fry
Senior Vice President of Corporate Communications
- Tenure: 0.7yrs
Board Members
Kurt Hilzinger (58yo)
Independent Chairman of the Board
- Tenure: 5.8yrs
- Compensation: US$543.86k
Marissa Peterson (57yo)
Independent Director
- Tenure: 11.2yrs
- Compensation: US$296.57k
David Jones (61yo)
Independent Director
- Tenure: 26.4yrs
- Compensation: US$323.44k
Jim O’Brien (65yo)
Independent Director
- Tenure: 13.5yrs
- Compensation: US$347.17k
Bill McDonald (62yo)
Independent Director
- Tenure: 12yrs
- Compensation: US$323.03k
Karen Katz (62yo)
Independent Director
- Tenure: 0.08yrs
Bruce Broussard (57yo)
President
- Tenure: 6.8yrs
- Compensation: US$16.31m
Frank D'Amelio (61yo)
Independent Director
- Tenure: 16.1yrs
- Compensation: US$306.66k
Frank Bisignano (60yo)
Independent Director
- Tenure: 2.2yrs
- Compensation: US$323.02k
Webster Dunbar (57yo)
Independent Director
- Tenure: 14.5yrs
- Compensation: US$331.24k
Company Information
Humana Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Humana Inc.
- Ticker: HUM
- Exchange: NYSE
- Founded: 1961
- Industry: Managed Health Care
- Sector: Healthcare
- Market Cap: US$38.791b
- Shares outstanding: 135.09m
- Website: https://www.humana.com
Number of Employees
Location
- Humana Inc.
- Humana Building
- 500 West Main Street
- Louisville
- Kentucky
- 40202
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| HUM | NYSE (New York Stock Exchange) | Yes | Common Stock | US | USD | Jul 1969 |
| HUM | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Jul 1969 |
| 0J6Z | LSE (London Stock Exchange) | Yes | Common Stock | GB | USD | Jul 1969 |
| HUM * | BMV (Bolsa Mexicana de Valores) | Yes | Common Stock | MX | MXN | Jul 1969 |
Biography
Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. The company offers medical and supplemental benefit plans to individuals. It also has contract ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/21 23:36 |
| End of Day Share Price | 2019/10/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.