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Humana

NYSE: HUM

Stock price

400 USD

(+Infinity%) NaN day

Managed Health CareMedical - Healthcare Plans

Financial Performance

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5Y price score: (20)

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 168.1%

DATE RANGE:

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    163.1

    52-week range

    428.8

    400

    Your model inputs

    Required return / cost of capital
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    FCFF terminal growth rate
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    Your fair value & Margin of safety

    To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

    Forecast:

    Valuation

    Free Cash Flow Yield

    Help
    FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

    2.6 %

    Dividend Yield TTM

    0.9 %

    Market cap $

    $ 48,025

    Price / Earnings TTM

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    P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

    42.8

    Price / Book TTM

    2.6

    PEG TTM

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    Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

    (30.5)

    Earnings growth and return

    LTM

    5YR

    10YR

    Total return (price & dividends)

    80.5 %

    (11.5) %

    168.1 %

    Free cash flow per share growth

    (84.3) %

    (91.2) %

    36 %

    Earnings per share growth

    (1.4) %

    (61.1) %

    16.6 %

    Founded: 1,961

    Employees: 65,680

    Business Summary:Humana Inc., a prominent health and well-being enterprise, operates across the United States through its various subsidiary companies. Its operational structure is divided into three main segments: Retail, Group and Specialty, and Healthcare Services. The firm provides a wide array of medical and supplementary insurance plans directly to individual consumers. Furthermore, Humana collaborates with government entities; it holds a contract with the Centers for Medicare and Medicaid Services (CMS) to manage the Limited Income Newly Eligible Transition (LI NET) prescription drug program. The company also secures agreements with numerous states to deliver Medicaid, dual-eligible, and long-term care support benefits. For employer groups and individuals, Humana furnishes fully insured commercial medical and specialized health coverage, which encompasses dental, vision, and other ancillary health benefits. They additionally offer administrative services only (ASO) solutions and extend support to military personnel through contracts like the TRICARE T2017 East Region. Beyond insurance products, the company delivers comprehensive healthcare services directly. These include pharmacy management, provider network services, and a suite of home-based solutions such as home health care, serving both its own health plan enrollees and external clients. By the close of 2021 (December 31), Humana's reach extended to approximately 17 million individuals enrolled in its medical benefit plans and an additional 5 million utilizing its specialized product offerings. Established in 1961, Humana Inc. maintains its corporate headquarters in Louisville, Kentucky.

    Fair Value Reference Estimate

    Latest Earnings Call Takeaways

    2026 Q1 (Apr 29, 2026)

    1) Strategy & Leadership - Humana's leadership emphasizes a commitment to returning to a sustainable margin of at least 3% by 2028, with a focus on making progress in 2027. - The company is actively managing its member growth trajectory and adjusting benefits as necessary to meet margin commitments. - A leadership transition is underway, with George Renaudin retiring in June 2026 and Aaron Martin stepping into the role of Insurance Segment President.

    2) Financial & Segment Results - Humana reported a solid start to Q1 2026, with membership growth on track and approximately 50,000 new lives added to Medicaid. - The company expects to double individual Medicare Advantage (MA) margins in 2026, adjusted for Stars performance. - The first quarter's medical loss ratio (MLR) is expected to be slightly above 91%, with a deceleration in year-over-year growth due to higher prior period development (PPD) levels in the previous year.

    3) Operational Plans & Challenges - The company is enhancing operational efficiency through centralization, outsourcing, and automation, which are expected to improve margins. - Humana is actively monitoring claims and cost trends, utilizing anomaly detection to improve payment accuracy and identify trends early. - The integration of recent acquisitions, such as Max Health, is contributing to growth but also presents challenges in managing operating costs.

    4) Guidance & Outlook - Humana is focused on maintaining pricing discipline while unlocking earnings potential by 2028. - The company is preparing for the 2027 bidding process, emphasizing the need to balance member retention with margin improvement. - Guidance indicates that the funding shortfall for 2027 is larger than in 2026, necessitating potential benefit adjustments to protect margins.

    5) Investor Angle & Missing Information - The call did not provide specific financial figures for Q1 2026, such as revenue or net income, which would be useful for a comprehensive analysis. - Bottom line: Humana is strategically positioned to improve margins and member growth through disciplined operational management and benefit adjustments, but faces challenges from a larger funding shortfall in 2027. Shareholders should remain optimistic about the company's long-term goals while being mindful of the near-term adjustments needed to achieve them.

    Annual Reports, Presentations And IR Contacts

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    Humana — Financial Overview, Stock Price, Market Cap

    Humana is a company. Founded in 1961. As of July 20, 2026, the company's market capitalization is $48024600000 with a current stock price of $400.00.