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

HUM is good value based on its Price-To-Earnings Ratio (24.6x) compared to the peer average (31.4x).

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

HUM is expensive based on its Price-To-Earnings Ratio (24.6x) compared to the US Healthcare industry average (23.7x).

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 is good value based on its Price-To-Earnings Ratio (24.6x) compared to the estimated Fair Price-To-Earnings Ratio (36x).

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

HUM ($278.2) is trading below our estimate of [[fair value]] ($877.47)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

Humana (NYSE:HUM) - Stock Price, News & Analysis

HUM Stock Overview

Provides medical and specialty insurance products in the United States. More details

HUM fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	0/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 68.3% below our estimate of its fair value

Earnings are forecast to grow 11.53% per year

Risk Analysis

Large one-off items impacting financial results

Profit margins (1.2%) are lower than last year (2.9%)

Community Narratives

Create a narrative

Narratives bring a range of perspectives from our community.

Analyst Price Target

Consensus Narrative from 20 Analysts

Medicare Advantage Expansion And AI Innovations Propel Revenue And Margin Growth

Key Takeaways Humana's strategic investments in clinical excellence and technology aim to reduce medical costs and enhance long-term net margins. Expansion of primary care clinics and Medicare Advantage growth are expected to bolster patient numbers and drive revenue and earnings growth.

View narrative

US$288.15

3.5% undervalued

2.38%

Revenue growth p.a.

Updated

Humana Inc. Competitors

Centene

NYSE:CNC

US$28.6b

Molina Healthcare

NYSE:MOH

US$17.1b

Elevance Health

NYSE:ELV

US$90.4b

HealthEquity

NasdaqGS:HQY

US$8.3b

Price History & Performance

Summary of share price highs, lows and changes for Humana
Historical stock prices
Current Share Price	US$278.20
52 Week High	US$488.89
52 Week Low	US$213.31
Beta	0.53
1 Month Change	-1.50%
3 Month Change	-14.27%
1 Year Change	-43.00%
3 Year Change	-39.76%
5 Year Change	-24.31%
Change since IPO	23,236.28%

Recent updates

Humana: Medicare Advantage Is Just A Short-Term Problem

Dec 05

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Dec 02

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Nov 11

Humana - Q3 Earnings Review: The Medicare Advantage Madness May Finally Be Over

Nov 05

Humana (NYSE:HUM) Will Pay A Dividend Of $0.885

Oct 28

Positive Sentiment Still Eludes Humana Inc. (NYSE:HUM) Following 30% Share Price Slump

Oct 03

Wall Street Lunch: Humana Shares Hit Hard

Oct 02

Humana's Falling Share Price Gives Investors An Opportunity

Sep 18

Humana (NYSE:HUM) Seems To Use Debt Quite Sensibly

Sep 15

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Aug 19

Humana: Outlook Improving Ahead Of Q2 Earnings, 'Buy' Thesis Intact

Jul 24

Investors Interested In Humana Inc.'s (NYSE:HUM) Earnings

Jul 16

Humana: Medicare Advantage Will Never Be As Profitable As It Was

Jun 23

Humana (NYSE:HUM) Is Due To Pay A Dividend Of $0.885

Jun 20

Humana (NYSE:HUM) Will Pay A Dividend Of $0.885

Jun 06

Humana Is Set Up For Long-Term Success

Jun 05

Humana (NYSE:HUM) Has Affirmed Its Dividend Of $0.885

May 21

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Apr 22

Here's Why Humana (NYSE:HUM) Can Manage Its Debt Responsibly

Apr 20

Humana: Where To Buy This

Apr 02

Humana: This Year's Drop Might Have Created A Buying Opportunity

Mar 19

Humana: A Golden Buying Opportunity As Fears Potentially Peaked

Feb 03

Humana: The $300 Level Could Get Taken Out In The Near Future

Jan 25

Humana: My Oh My, Another Strong Buy

Jan 14

Humana: Buy This Powerful Dividend Growth Stock In The New Year

Jan 02

Does Humana (NYSE:HUM) Have A Healthy Balance Sheet?

Dec 14

Humana: Failed Merger And Other Reasons To Buy

Dec 11

Humana: Upgrade To Buy

Oct 06

Humana: Buy This Amazing Wealth Compounder Now, You'll Be Glad You Did

Sep 27

Humana: Mr. Market Got This One Right

Aug 03

Humana: Recent Selloff Might Present A Buying Opportunity

Jul 13

Humana: Rising Medical Costs Should Be Temporary

Jun 28

Humana: Margin Expansion Supported By Growing Memberships

Jun 12

Humana Q4 2022 Earnings Preview

Jan 31

Humana: Destined For A Long-Term Success

Jan 23

Shareholder Returns

	HUM	US Healthcare	US Market
7D	-3.4%	-9.1%	-0.2%
1Y	-43.0%	-7.4%	28.8%

Return vs Industry: HUM underperformed the US Healthcare industry which returned -7.4% over the past year.

Return vs Market: HUM underperformed the US Market which returned 28.8% over the past year.

Price Volatility

Is HUM's price volatile compared to industry and market?
HUM volatility
HUM Average Weekly Movement	7.0%
Healthcare Industry Average Movement	7.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: HUM has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: HUM's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1961	67,600	Jim Rechtin	www.humana.com

Humana Inc., together with its subsidiaries, provides medical and specialty insurance products in the United States. It operates through two segments, Insurance and CenterWell. The company offers medical and supplemental benefit plans to individuals.

Humana Inc. Fundamentals Summary

How do Humana's earnings and revenue compare to its market cap?
HUM fundamental statistics
Market cap	US$34.42b
Earnings (TTM)	US$1.36b
Revenue (TTM)	US$115.01b

24.6x

P/E Ratio

0.3x

P/S Ratio

Is HUM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HUM income statement (TTM)
Revenue	US$115.01b
Cost of Revenue	US$98.07b
Gross Profit	US$16.95b
Other Expenses	US$15.59b
Earnings	US$1.36b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 29, 2025

Earnings per share (EPS)	11.29
Gross Margin	14.73%
Net Profit Margin	1.18%
Debt/Equity Ratio	75.9%

How did HUM perform over the long term?

See historical performance and comparison

Dividends

1.3%

Current Dividend Yield

32%

Payout Ratio

Does HUM pay a reliable dividends?

See HUM dividend history and benchmarks

When do you need to buy HUM by to receive an upcoming dividend?
Humana dividend dates
Ex Dividend Date	Dec 31 2024
Dividend Pay Date	Jan 31 2025
Days until Ex dividend	19 days
Days until Dividend pay date	50 days

Does HUM pay a reliable dividends?

See HUM dividend history and benchmarks

HUM Stock Overview

Rewards

Risk Analysis

Medicare Advantage Expansion And AI Innovations Propel Revenue And Margin Growth

Humana Inc. Competitors

NYSE:CNC

US$28.6b

NYSE:MOH

US$17.1b

NYSE:ELV

US$90.4b

NasdaqGS:HQY

US$8.3b

Price History & Performance

Recent News & Updates

Humana: Medicare Advantage Is Just A Short-Term Problem

Humana Inc. Announces CFO Changes

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Humana Inc. Appoints Michelle O'hara as Chief Human Resources Officer, Effective January 1, 2025

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Humana - Q3 Earnings Review: The Medicare Advantage Madness May Finally Be Over

Recent updates

Humana: Medicare Advantage Is Just A Short-Term Problem

Humana Inc. Announces CFO Changes

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Humana Inc. Appoints Michelle O'hara as Chief Human Resources Officer, Effective January 1, 2025

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Humana - Q3 Earnings Review: The Medicare Advantage Madness May Finally Be Over

Humana Inc. Updates Earnings Guidance for the Year Ending December 31, 2024

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Humana (NYSE:HUM) Will Pay A Dividend Of $0.885

Second quarter dividend of US$0.89 announced

Humana Inc. Declares Payment of Quarterly Dividend to Stockholders, Payable on January 31, 2025

Humana Elects Gordon Smith to Board of Directors

Price target decreased by 10% to US$352

Positive Sentiment Still Eludes Humana Inc. (NYSE:HUM) Following 30% Share Price Slump

Investor sentiment deteriorates as stock falls 21%

Wall Street Lunch: Humana Shares Hit Hard

Humana Inc. to Report Q3, 2024 Results on Oct 30, 2024

Upcoming dividend of US$0.89 per share

Humana's Falling Share Price Gives Investors An Opportunity

Humana (NYSE:HUM) Seems To Use Debt Quite Sensibly

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Second quarter dividend of US$0.89 announced

Humana Settles for $90 Million Groundbreaking False Claims Act Case Alleging Medicare Part D Prescription Drug Program Fraud

Humana Inc. Declares Cash Dividend, Payable on October 25, 2024

Second quarter 2024 earnings: EPS in line with analyst expectations despite revenue beat

Humana Inc. Revises Earnings Guidance for the Year Ending December 31, 2024

Humana: Outlook Improving Ahead Of Q2 Earnings, 'Buy' Thesis Intact

Investors Interested In Humana Inc.'s (NYSE:HUM) Earnings

Humana Inc. to Report Q2, 2024 Results on Jul 31, 2024

Humana: Medicare Advantage Will Never Be As Profitable As It Was

Humana (NYSE:HUM) Is Due To Pay A Dividend Of $0.885

Humana (NYSE:HUM) Will Pay A Dividend Of $0.885

Gainey Mckenna & Egleston Announces a Class Action Lawsuit Has Been Filed Against Humana, Inc

Humana Is Set Up For Long-Term Success

Humana (NYSE:HUM) Has Affirmed Its Dividend Of $0.885

First quarter 2024 earnings: EPS in line with analyst expectations despite revenue beat

Humana Inc. Revises Earnings Guidance for the Year Ending December 31, 2024

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Dividend of US$0.89 announced

Here's Why Humana (NYSE:HUM) Can Manage Its Debt Responsibly

Humana Inc. Declares Cash Dividend, Payable on July 26, 2024

Humana Inc. to Report Q1, 2024 Results on Apr 24, 2024

Humana: Where To Buy This

Humana: This Year's Drop Might Have Created A Buying Opportunity

Humana Inc., Annual General Meeting, Apr 18, 2024

Humana Inc., Annual General Meeting, Apr 18, 2024

Humana Inc. Declares Cash Dividend, Payable on April 26, 2024

Humana: A Golden Buying Opportunity As Fears Potentially Peaked

Humana Inc. Provides Earnings Guidance for 2024

Humana: The $300 Level Could Get Taken Out In The Near Future

Humana Announces Limited Layoffs

Humana: My Oh My, Another Strong Buy

Humana: Buy This Powerful Dividend Growth Stock In The New Year

Upcoming dividend of US$0.89 per share at 0.8% yield

President exercised options and sold US$1.3m worth of stock

Does Humana (NYSE:HUM) Have A Healthy Balance Sheet?

Humana: Failed Merger And Other Reasons To Buy

Cigna Reportedly Ends Humana Merger Talks