Humana Inc. (NYSE:HUM)

Humana Inc. HUM

Healthcare - Medical - Healthcare Plans - NYSE - US

Watchlist

$ 275.67

-2.64 %

$ 33.2 B

Market Cap

24.59

P/E

1. INTRINSIC VALUE

Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through three segments: Retail, Group and Specialty, and Healthcare Services. The company offers medical and supplemental benefit plans to individuals. It also has a contract with Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program; and contracts with various states to provide Medicaid, dual eligible, and long-term support services benefits. In addition, the company provides commercial fully insured medical and specialty health insurance benefits comprising dental, vision, and other supplemental health benefits; and administrative services only products to individuals and employer groups, as well as military services, such as TRICARE T2017 East Region contract.[ Read More ]

The intrinsic value of one HUM stock under the base case scenario is HIDDEN Compared to the current market price of 276 USD, Humana Inc. is HIDDEN

HUM Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart HUM

FINANCIALS

Annual
Quarterly

106 B REVENUE

Growth Rates

1Year 14.54%

3Years 11.30%

5Years 13.33%

7Years 10.06%

10Years 9.92%

4.21 B OPERATING INCOME

Growth Rates

1Year 10.87%

3Years -5.28%

5Years 12.95%

7Years 13.46%

10Years 7.41%

2.49 B NET INCOME

Growth Rates

1Year -11.17%

3Years -9.58%

5Years 8.14%

7Years 22.13%

10Years 7.29%

3.98 B OPERATING CASH FLOW

Growth Rates

1Year -13.21%

3Years -10.96%

5Years 12.87%

7Years 10.85%

10Years 8.78%

-3.49 B INVESTING CASH FLOW

Growth Rates

1Year -247.12%

3Years -4.44%

5Years -2.50%

7Years -14.40%

10Years -11.44%

-856 M FINANCING CASH FLOW

Growth Rates

1Year 55.28%

3Years 24.06%

5Years -1.75%

7Years -11.70%

10Years -2.00%

29.4 B REVENUE

Growth Rates

1Year 14.54%

3Years 11.30%

5Years 13.33%

7Years 10.06%

10Years 9.92%

728 M OPERATING INCOME

Growth Rates

1Year 10.87%

3Years -5.28%

5Years 12.95%

7Years 13.46%

10Years 7.41%

480 M NET INCOME

Growth Rates

1Year -11.17%

3Years -9.58%

5Years 8.14%

7Years 22.13%

10Years 7.29%

1.86 B OPERATING CASH FLOW

Growth Rates

1Year -13.21%

3Years -10.96%

5Years 12.87%

7Years 10.85%

10Years 8.78%

-1.47 B INVESTING CASH FLOW

Growth Rates

1Year -247.12%

3Years -4.44%

5Years -2.50%

7Years -14.40%

10Years -11.44%

-770 M FINANCING CASH FLOW

Growth Rates

1Year 55.28%

3Years 24.06%

5Years -1.75%

7Years -11.70%

10Years -2.00%

Balance Sheet Decomposition Humana Inc.

47.1 B ASSETS
30.7 B LIABILITIES

Current Assets	30 B
Cash & Short-Term Investments	4.69 B
Receivables	2.04 B
Other Current Assets	23.3 B
Non-Current Assets	42.4 B
Long-Term Investments	1.12 B
PP&E	3.54 B
Other Non-Current Assets	37.7 B

Current Liabilities	18.9 B
Accounts Payable	16.8 B
Short-Term Debt	1.44 B
Other Current Liabilities	619 M
Non-Current Liabilities	11.9 B
Long-Term Debt	10.2 B
Other Non-Current Liabilities	1.66 B

EFFICIENCY

Earnings Waterfall Humana Inc.

Revenue	106 B
Cost Of Revenue	13.2 B
Gross Profit	93.2 B
Operating Expenses	103 B
Operating Income	4.21 B
Other Expenses	1.72 B
Net Income	2.49 B

RATIOS

87.60% GROSS MARGIN

Averages

1Year 87.60%

3Years 87.26%

5Years 87.47%

7Years 87.42%

10Years 86.93%

3.96% OPERATING MARGIN

Averages

1Year 3.96%

3Years 4.19%

5Years 4.94%

7Years 5.24%

10Years 4.96%

2.34% NET MARGIN

Averages

1Year 2.34%

3Years 2.96%

5Years 3.49%

7Years 3.56%

10Years 3.08%

15.31% ROE

Averages

1Year 15.31%

3Years 17.29%

5Years 19.78%

7Years 20.05%

10Years 17.03%

5.29% ROA

Averages

1Year 5.29%

3Years 6.14%

5Years 7.47%

7Years 7.57%

10Years 6.55%

11.36% ROIC

Averages

1Year 11.36%

3Years 11.29%

5Years 13.52%

7Years 13.81%

10Years 12.01%

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis Humana Inc.

Net Income	2.49 B
Depreciation & Amortization	917 M
Capital Expenditures	-1 B
Stock-Based Compensation	175 M
Change in Working Capital	194 M
Others	353 M
Free Cash Flow	2.98 B

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets Humana Inc.

Wall Street analysts predict an average 1-year price target for HUM of $332 , with forecasts ranging from a low of $247 to a high of $419 .

HUM Lowest Price Target Wall Street Target

247 USD -10.40%

HUM Average Price Target Wall Street Target

332 USD 20.46%

HUM Highest Price Target Wall Street Target

419 USD 51.99%

4. DIVIDEND ANALYSIS

0.28% DIVIDEND YIELD

0.885 USD DIVIDEND PER SHARE

5. COMPETITION

Elevance Health Inc. operates as a health benefits company. It supports consumers, families, and communities across the entire care journey connecting to the care, support, and resources to lead healthier lives.

1.12 K USD

ELV

Undervalued 179.22%

Centene Corporation operates as a multi-national healthcare enterprise that provides programs and services to under-insured and uninsured individuals in the United States.

575 USD

CNC

Undervalued 900.85%

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services.

875 USD

UNH

Undervalued 47.71%

CVS Health Corporation provides health services in the United States. The company's Health Care Benefits segment offers traditional, voluntary, and consumer-directed health insurance products and related services.

691 USD

CVS

Undervalued 1199.88%

Cigna Corporation provides insurance and related products and services in the United States. Its Evernorth segment provides a range of coordinated and point solution health services, including pharmacy, benefits management, care delivery and management, and intelligence solutions to health plans, employers, government organizations, and health care providers.

897 USD

Undervalued 178.95%

Molina Healthcare, Inc. provides managed health care services to low-income families and individuals under the Medicaid and Medicare programs and through the state insurance marketplaces.

988 USD

MOH

Undervalued 235.52%

Alignment Healthcare, Inc., a tech-enabled Medicare advantage company, operates consumer-centric health care platform. It provides customized health care in the United States to seniors and those who need it through its Medicare advantage plans.

-12.1 USD

ALHC

Overvalued 205.10%

6. Ownership

Insider Ownership Humana Inc.

Summary
Transactions

Sold

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

0 USD 0

Bought

0 USD 0

0-3 MONTHS

0 USD 0

3-6 MONTHS

200 K USD 1

6-9 MONTHS

0 USD 0

9-12 MONTHS

Date	Value	Insider	Amount	Avg Price
8 months ago Feb 20, 2024	Bought 200 K USD	Mesquita Jorge S. Director	+ 545	367.0937 USD
1 year ago May 04, 2023	Sell 1.4 M USD	Diamond Susan M Chief Financial Officer	- 2656	526.0194 USD
1 year ago May 04, 2023	Sell 790 K USD	Diamond Susan M Chief Financial Officer	- 1500	526.7459 USD
1 year ago Feb 27, 2023	Sell 8.89 M USD	BROUSSARD BRUCE D President & CEO	- 17575	505.8454 USD
1 year ago Feb 27, 2023	Sell 1.04 M USD	Ventura Joseph C Chief Legal Officer	- 2048	507.9728 USD
1 year ago Feb 27, 2023	Sell 1.34 M USD	Huval Timothy S. Chief Administrative Officer	- 2628	510.3043 USD
1 year ago Dec 21, 2022	Sell 7.53 M USD	JONES DAVID A JR/KY Director	- 15000	501.72 USD
1 year ago Dec 16, 2022	Sell 316 K USD	Huval Timothy S. Chief Administrative Officer	- 635	497.7094 USD
1 year ago Dec 12, 2022	Sell 3.72 M USD	BROUSSARD BRUCE D President & CEO	- 7000	531.9197 USD
2 years ago Nov 03, 2022	Sell 2.23 M USD	Diamond Susan M Chief Financial Officer	- 3945	566.3637 USD
2 years ago Nov 03, 2022	Sell 950 K USD	Diamond Susan M Chief Financial Officer	- 1678	565.9866 USD
2 years ago Nov 03, 2022	Sell 5.1 M USD	BROUSSARD BRUCE D President & CEO	- 9000	566.174 USD
2 years ago Nov 03, 2022	Sell 6.31 M USD	Fleming William Kevin Seg Pres, Pharmacy Sol & CCAO	- 11157	565.6136 USD
2 years ago Nov 03, 2022	Sell 1.48 M USD	Ventura Joseph C Chief Legal Officer	- 2620	564.9717 USD
2 years ago Nov 03, 2022	Sell 303 K USD	Ventura Joseph C Chief Legal Officer	- 535	566.76 USD
2 years ago Nov 03, 2022	Sell 8.82 M USD	Wheatley Timothy Alan Segment President, Retail	- 15570	566.22 USD
2 years ago Nov 03, 2022	Sell 3.96 M USD	Wheatley Timothy Alan Segment President, Retail	- 7000	566.1904 USD
2 years ago Nov 03, 2022	Sell 4.51 M USD	Deshpande Samir Chief Information Officer	- 7962	565.9529 USD
2 years ago Sep 20, 2022	Sell 3.76 M USD	Huval Timothy S. Chief Administrative Officer	- 7437	505.5052 USD
2 years ago Sep 20, 2022	Sell 621 K USD	Ventura Joseph C Chief Legal Officer	- 1226	506.7808 USD
2 years ago May 03, 2022	Sell 1.72 M USD	Deshpande Samir Chief Information Officer	- 3957	434.1927 USD
2 years ago Apr 28, 2022	Sell 1.44 M USD	Fleming William Kevin Seg Pres, Pharmacy Sol & CCAO	- 3210	449.6793 USD
2 years ago Apr 28, 2022	Sell 1.54 M USD	Huval Timothy S. Chief Administrative Officer	- 3477	443.14 USD

7. News

SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Humana Inc. - HUM NEW YORK, NY / ACCESSWIRE / November 15, 2024 / Pomerantz LLP is investigating claims on behalf of investors of Humana Inc. ("Humana" or the "Company") (NYSE:HUM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accesswire.com - 2 days ago

SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Humana Inc. - HUM NEW YORK, NY / ACCESSWIRE / November 14, 2024 / Pomerantz LLP is investigating claims on behalf of investors of Humana Inc. ("Humana" or the "Company") (NYSE:HUM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accesswire.com - 2 days ago

SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Humana Inc. - HUM NEW YORK, NY / ACCESSWIRE / November 13, 2024 / Pomerantz LLP is investigating claims on behalf of investors of Humana Inc. ("Humana" or the "Company") (NYSE:HUM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accesswire.com - 3 days ago

SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Humana Inc. - HUM NEW YORK CITY, NY / ACCESSWIRE / November 12, 2024 / Pomerantz LLP is investigating claims on behalf of investors of Humana Inc. ("Humana" or the "Company") (NYSE:HUM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accesswire.com - 4 days ago

SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Humana Inc. - HUM NEW YORK, NY / ACCESSWIRE / November 11, 2024 / Pomerantz LLP is investigating claims on behalf of investors of Humana Inc. ("Humana" or the "Company") (NYSE:HUM). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accesswire.com - 5 days ago

Humana Recognized for Commitment to Veteran Employment by Military Times and Military Friendly® LOUISVILLE, Ky.--(BUSINESS WIRE)--Humana Recognized for Commitment to Veteran Employment by Military Times and Military Friendly®. businesswire.com - 5 days ago

2 Healthcare Stocks in Focus After Merger Talks Break Down Shares of Humana Inc (NYSE:HUM) are down 3.7% at $277.38 at last glance, after Cigna Group (NYSE:CI) said it was not pursuing a merger with the smaller health insurance name, and will instead prioritize share buybacks. schaeffersresearch.com - 5 days ago

Humana Stock Slumps as Cigna Says It's Not Pursuing Combination Humana (HUM) shares are falling 5% in premarket trading Monday after The Cigna Group (CI) said it is not pursuing a combination with its smaller health insurance rival. investopedia.com - 6 days ago

8. Profile Summary

Humana Inc. HUM

COUNTRY US

INDUSTRY Medical - Healthcare Plans

MARKET CAP $ 33.2 B

Dividend Yield 0.28%

Description Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through three segments: Retail, Group and Specialty, and Healthcare Services. The company offers medical and supplemental benefit plans to individuals. It also has a contract with Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program; and contracts with various states to provide Medicaid, dual eligible, and long-term support services benefits. In addition, the company provides commercial fully insured medical and specialty health insurance benefits comprising dental, vision, and other supplemental health benefits; and administrative services only products to individuals and employer groups, as well as military services, such as TRICARE T2017 East Region contract. Further, it offers pharmacy solutions, provider services, and home solutions services, such as home health and other services to its health plan members, as well as to third parties. As of December 31, 2021, the company had approximately 17 million members in medical benefit plans, as well as approximately 5 million members in specialty products. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.

Contact Humana Building, Louisville, KY, 40202 https://www.humana.com

IPO Date Dec. 31, 1981

Employees 67600

Officers Mr. Samir M. Deshpande Chief Information Officer Ms. Susan Marie Diamond Chief Financial Officer Dr. Sanjay K. Shetty M.B.A., M.D. President of CenterWell Mr. Joseph C. Ventura Chief Legal Officer Mr. Eric Tagliere Senior Vice President & Chief Technology Officer Mr. George Renaudin II President of Medicare & Medicaid Mr. James A. Rechtin M.B.A. President, Chief Executive Officer & Director Mr. John-Paul William Felter Senior Vice President, Chief Accounting Officer, Principal Accounting Officer & Controller Mr. Timothy S. Huval Chief Administrative Officer Mr. Bruce Dale Broussard Strategic Advisor

Price Chart HUM

Humana Inc. HUM

Premium Plan

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