# Humana Inc. (HUM) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Healthcare / Health Care Providers & Services. Price $401.54, market value $48.2 billion.

## Valuation
- **P/E (trailing): 38.0×** (5-yr avg 22.9×, 3-yr avg 24.3×). Humana Inc. trades at 38.0× trailing earnings, well above its own five-year average of 22.9×: investors are paying up relative to the company's past. The Healthcare median in the September 2026 study was 28.5×. Forward P/E is 24.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.3×**. Each dollar of revenue is priced at 0.3×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 2.5×**. The shares trade at 2.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 4.0%** (5-yr avg 4.3%). Free cash flow equals 4.0% of the market value, in line with its five-year average of 4.3%.
- **Earnings yield: 2.6%**. The inverse of the P/E: 2.6% of the price is earned each year.

## Profitability
- **Net margin: 0.9%**. 0.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.7%**. 6.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 2.6%**. Each dollar of assets produces 2.6% of profit.

## Growth
- **Revenue growth (1 yr): 10.1%** (3-yr 11.8%/yr, 5-yr 10.9%/yr). Revenue grew 10.1% over the last year, against 10.9% a year compounded over five years.
- **EPS growth (1 yr): -1.4%** (3-yr -23.6%/yr, 5-yr -17.2%/yr). Earnings per share fell 1.4%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -52.3%/yr**. Free cash flow has compounded at -52.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Debt to equity: 0.70**. Debt is 0.70 times equity, moderate leverage.
- **Altman Z-score: 4.27**. A Z-score of 4.27 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 0.88%** ($3.54 per share, trailing). Humana Inc. yields 0.88%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 36%** (22% of free cash flow). 36% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 9**. 9 straight years of increases.
- **Dividend growth (5 yr): 7.2%/yr** (1-yr 0.0%). The dividend has grown 7.2% a year over five years.

## Analyst view
- **Analyst consensus: buy** (23 analysts). 23 analysts cover Humana Inc.; the consensus is buy, with an average price target of $418.61 (+4% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 30.6%** (YTD 57.9%, 3-mo 15.0%). The shares are up 30.6% over twelve months including dividends.
- **From 52-week high: -6.4%** (146.2% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.52** (volatility 49%). Beta of 0.52 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HUM · Page: https://foliofundamentals.com/stocks/hum

Not investment advice.