Humana Inc (HUM)
Valor JustoFundamental
57
Precio
$376.91
Capitalización Bursátil
$46.79B
Parte 1 · Cuánto vale la empresa
Resumen
Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. The Insurance segment offers individual Medicare Advantage products, including health insurance benefits, including wellness programs, chronic care management, and care coordination; individual Medicare stand-alone prescription drug products (PDP); group Medicare advantage and Medicare stand-alone PDP; Medicare supplements; specialty and ancillary insurance comprising dental, vision, life and disability; and administrative services to arrange health care services for active-duty and retired military personnel and dependents, as well as pharmacy benefit managers. Its CenterWell segment operates full-service, value-based senior focused primary care centers under the Conviva Senior Primary Care and CenterWell Senior Primary Care brands; a management services organization; CenterWell Home Health, a home health provider; and OneHome, which manages post-acute patient needs, as well as provides pharmacy and hospice solutions. The company was formerly known as Extendicare Inc. and changed its name to Humana Inc. in April 1974. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 18 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
Its UnitedHealthcare arm is the largest Medicare Advantage insurer in the United States and bids against Humana plan-by-plan for the same senior enrollees, while its Optum clinics and pharmacy mirror Humana's CenterWell care-delivery model.
Through Aetna it is the third-largest Medicare Advantage insurer and also sells Medicare drug plans, Medicaid managed care and commercial coverage to the same customers Humana serves.
A national managed-care company competing with Humana for Medicare Advantage seniors and for state Medicaid contracts in overlapping markets.
Competes head-on for government-sponsored members, bidding for the same state Medicaid contracts and selling Medicare Advantage and Part D plans to low-income and dual-eligible beneficiaries.
A non-profit integrated insurer-and-provider holding about 6% of Medicare Advantage enrollment, taking the same seniors in California and other western markets with the combined coverage-plus-clinics model Humana is building.
Balance y Liquidez
Ingresos
$137.20B
Últimos 12 meses (hasta 31/3/2026)
Beneficio Neto
$1.13B
Últimos 12 meses (hasta 31/3/2026)
Flujo de Caja Libre
$375M
Patrimonio Neto Total
$17.66B
Pasivo Total
$31.17B
Ratio de Liquidez
1.77
Cobertura de Intereses
3.68
Deuda/EBITDA
4.11
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$400.66
Precio Actual
$376.91
Margen de Seguridad
+5.9%
Rango de Valor Justo
$260.43 - $540.89
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
40.72
ROE
6.7%
Ratio P/B
2.47
P/FCF
36.02
Margen Bruto
-
ROIC
5.7%
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
5.7%
WACC
7.2%
ROIC − WACC
-1.5 pp
El ROIC está por debajo del coste del capital: la empresa destruye valor por cada dólar invertido.
Criterios de Análisis Fundamental
Superado (15)
- EPS shows upward trend
- Price CAGR 7.22%
- ROIC 5.7%
- P/B Ratio 2.47
- Debt/Equity ratio
- Positive Free Cash Flow
- Current Ratio
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- Revenue Growth 5Y 10.9%
- Earnings Surprise avg 5.1%
- Earnings Quality (OCF/NI) 1.63
- Share Dilution -0.2%
- Piotroski F-Score 6/9
Fallido (10)
- EPS CAGR 3.94%
- P/FCF 36.02
- Operating Margin 1.8%
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Overvalued)
- ROE 6.9%
- Analyst Consensus 48% Buy
- Net Margin Trend 0.8% vs 1.4%
No disponible (3)
- Gross Margin NaN%
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. James A. Rechtin M.B.A. | President, CEO & Director | 54 |
| Ms. Celeste Marie Mellet | Chief Financial Officer | 48 |
| Mr. Japan A. Mehta | Chief Information Officer | 44 |
| Ms. Michelle A. O'Hara | Chief Human Resources Officer | 49 |
| Dr. Sanjay K. Shetty M.B.A., M.D. | President of CenterWell | 51 |
| Mr. John-Paul William Felter | Senior VP, Chief Accounting Officer & Controller | 42 |
| Mr. Bobby Mukundan | Senior VP & CTO | - |
| Ms. Lisa M. Stoner | Vice President of Investor Relations | - |
| Mr. Joseph C. Ventura | Chief Legal Officer | 48 |
| Mr. Bruce Dale Broussard | Strategic Advisor | 63 |
Riesgo de Auditoría
2
Riesgo del Consejo
2
Riesgo de Compensación
5
Riesgo de Derechos del Accionista
2
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-19
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-07-29
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-01
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for HUM, sourced from Markets Gazette.
- 7/29/2026NEGATIVEHumana Lower on Profit Guidance; P&G Moves on Results | Stock Movers
Humana Inc. is experiencing a significant downturn as the health insurance provider maintained its annual profit guidance despite a robust second quarter performance. While the company delivered strong operational results for the period, the decision to keep the full-year outlook unchanged suggests potential headwinds or conservatism that has unnerved investors. This lack of upward revision, even with a positive quarterly showing, signals a cautious stance that could impact future revenue streams and profitability, leading to a sell-off in its shares.
via Markets Gazette