HUMANA INC HUM

Latest FY: 2025 Healthcare Healthcare Plans
Market Price $400.45
Market Cap $48.08B
P/E Ratio 40.70
Quick Peer Compare (Healthcare):
Revenue (FY 2025) ↑10.1% YoY
$129.66B
3-Yr CAGR: 11.8%
Net Income ↓-1.6% YoY
$1.19B
Net Margin: 0.9%
Free Cash Flow ↓-84.3% YoY
$375.00M
FCF Yield: 0.78%
EPS (Diluted) ↓-1.4% YoY
$9.84
Basic: $9.87
Return on Equity Efficiency
6.7%
ROA: 2.4%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (HUM)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $53,990.0M $9,065.0M $614.0M $4.07 $1.16 0.57% $1,936.0M $1,409.0M
FY 2017 $53,362.0M -1.2% $9,602.0M $2,448.0M +298.7% $16.81 +313.0% $1.52 0.61% $4,051.0M $3,525.0M +150.2%
FY 2018 $56,912.0M +6.7% $10,812.0M $1,683.0M -31.2% $12.16 -27.7% $1.93 0.67% $2,173.0M $1,561.0M -55.7%
FY 2019 $64,888.0M +14.0% $10,789.0M $2,707.0M +60.8% $20.10 +65.3% $2.17 0.59% $5,284.0M $4,548.0M +191.4%
FY 2020 $77,155.0M +18.9% $15,244.0M $3,367.0M +24.4% $25.31 +25.9% $2.44 0.60% $5,639.0M $4,675.0M +2.8%
FY 2021 $83,064.0M +7.7% $13,539.0M $2,933.0M -12.9% $22.67 -10.4% $0.70 0.15% $2,262.0M $946.0M -79.8%
FY 2022 $92,870.0M +11.8% $16,779.0M $2,806.0M -4.3% $22.08 -2.6% $0.78 0.15% $4,587.0M $3,467.0M +266.5%
FY 2023 $106,374.0M +14.5% $17,487.0M $2,489.0M -11.3% $20.00 -9.4% $3.48 0.76% $3,981.0M $2,977.0M -14.1%
FY 2024 $117,761.0M +10.7% $16,437.0M $1,207.0M -51.5% $9.98 -50.1% $3.57 1.41% $2,966.0M $2,391.0M -19.7%
FY 2025 $129,664.0M +10.1% $18,221.0M $1,188.0M -1.6% $9.84 -1.4% $3.57 1.39% $921.0M $375.0M -84.3%
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Valuation

Market Price $400.45
Market Cap $48.08B
Enterprise Value $56.25B
P/E Ratio 40.70
P/B Ratio 2.72
FCF Yield 0.78%
Dividend Yield 0.89%
Shares Outstanding 120,061,500
%

Profitability & Margins

Gross Margin 14.05%
Operating Margin 2.09%
Net Margin 0.92%
Return on Equity (ROE) 6.73%
Return on Assets (ROA) 2.43%
Asset Turnover 2.65x
Revenue 3-Yr CAGR 11.77%
🛡️

Financial Health & Liquidity

Current Ratio 2.00
Cash Ratio 0.26
Debt / Equity 0.701
Debt / Assets 0.253
Cash & Equivalents $4.20B
Total Debt $12.37B
Book Value / Share $147.07
💧

Cash Flow Efficiency

Operating Cash Flow $921.00M
Capital Expenditures (CapEx) $546.00M
Free Cash Flow $375.00M
OCF / Revenue 0.71%
FCF / Revenue 0.29%
FCF 3-Yr CAGR -52.35%
🏷️

Per Share Metrics

EPS (Diluted) $9.84
EPS (Basic) $9.87
Dividends / Share $3.57
Book Value / Share $147.07
EPS YoY Growth -1.40%
🏛️

Balance Sheet (FY 2025)

Total Assets $48.91B
Total Liabilities $31.17B
Stockholders' Equity $17.66B
Current Assets $32.73B
Current Liabilities $16.35B