Humana Inc (HUM)
Juste valeurFondamental
57
Prix
$381.57
Capitalisation boursière
$46.79B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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 septembre 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.
Bilan & Liquidités
Chiffre d'affaires
$137.20B
12 derniers mois (au 31/03/2026)
Résultat net
$1.13B
12 derniers mois (au 31/03/2026)
Flux de trésorerie libre
$375M
Capitaux propres totaux
$17.66B
Passif total
$31.17B
Ratio de liquidité général
1.77
Couverture des intérêts
3.68
Dette/EBITDA
4.11
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Le poids de la dette
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$400.66
Prix actuel
$381.57
Marge de sécurité
+4.8%
Fourchette de juste valeur
$260.43 - $540.89
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
40.72
ROE
6.7%
Ratio P/B
2.47
P/FCF
36.02
Marge brute
-
ROIC
5.7%
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
5.7%
WACC
7.2%
ROIC − WACC
-1.5 pp
Le ROIC est inférieur au coût du capital — l'entreprise détruit de la valeur pour chaque dollar investi.
Critères d'analyse fondamentale
Réussi (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
Échoué (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%
Indisponible (3)
- Gross Margin NaN%
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Rachat d'actions. Favorable aux actionnaires
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| 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 |
Risque d'audit
2
Risque du conseil
2
Risque de rémunération
5
Risque droits des actionnaires
2
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-19
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-07-29
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-09-01
via SEC EDGAR
Historique des résultats
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