Humana Inc (HUM)
Fair ValueFundamental
57
मूल्य
$376.58
मार्केट कैप
$46.79B
भाग 1 · कंपनी का मूल्य कितना है
अवलोकन
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.
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Direct competitors
Who this company fights with for the same customers
Generated on 18 सितंबर 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.
बैलेंस शीट और तरलता
राजस्व
$137.20B
पिछले 12 महीने (31/3/2026 तक)
शुद्ध आय
$1.13B
पिछले 12 महीने (31/3/2026 तक)
Free Cash Flow
$375M
कुल इक्विटी
$17.66B
कुल देनदारियाँ
$31.17B
Current Ratio
1.77
Interest Coverage
3.68
Debt/EBITDA
4.11
Earnings Per Share
राजस्व और शुद्ध आय
Free Cash Flow
आय विवरण
ऐतिहासिक विवरण
समय के साथ मार्जिन
समय के साथ ऋण
ऋण कितना भारी है
वृद्धि तालिका
वृद्धि — राजस्व
Fair Value अनुमान
Fair Value
$400.66
वर्तमान मूल्य
$376.58
Margin of Safety
+6.0%
Fair Value सीमा
$260.43 - $540.89
इस्तेमाल किए गए valuation methods के बीच का फैलाव, कोई सांख्यिकीय रूप से calibrated confidence interval नहीं।
अनुमान विधियाँ
मूल्यांकन मेट्रिक्स
P/E Ratio
40.72
ROE
6.7%
P/B Ratio
2.47
P/FCF
36.02
Gross Margin
-
ROIC
5.7%
लाभप्रदता Radar
मूल्य सृजन (प्रतिस्पर्धी बढ़त)
ROIC
5.7%
WACC
7.2%
ROIC − WACC
-1.5 pp
ROIC पूंजी की लागत से कम है — कंपनी निवेशित हर डॉलर पर मूल्य नष्ट कर रही है।
Fundamental विश्लेषण मानदंड
पास (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
फेल (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%
अनुपलब्ध (3)
- Gross Margin NaN%
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
मिश्रित संकेत: कुछ क्षेत्रों पर ध्यान देना आवश्यक
Earnings गुणवत्ता
उच्च गुणवत्ता: earnings नकदी द्वारा समर्थित
शेयर Dilution
शेयर वापस खरीद रही है। शेयरधारक अनुकूल
संस्थागत होल्डिंग
प्रशासन
कार्यकारी टीम
| नाम | पद | आयु |
|---|---|---|
| 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 |
Audit जोखिम
2
बोर्ड जोखिम
2
मुआवजा जोखिम
5
शेयरधारक अधिकार जोखिम
2
भाग 2 · कीमत और खरीदने का समय
यह हिस्सा यह नहीं बताता कि कंपनी अच्छी है या नहीं: यह तय करने में मदद करता है कि उसे कब खरीदें, जब फंडामेंटल आपको आश्वस्त कर चुके हों। इसमें: तकनीकी विश्लेषण, संभावना, ऐतिहासिक गिरावट, गामा एक्सपोज़र।
दस्तावेज़
- दस्तावेज़ देखें
वार्षिक रिपोर्ट (10-K)
कंपनी के कारोबार, वित्तीय नतीजों और जोखिमों का वार्षिक सिंहावलोकन।
दाखिल तिथि: 2026-02-19
- दस्तावेज़ देखें
तिमाही रिपोर्ट (10-Q)
पिछले तीन महीनों के वित्तीय प्रदर्शन का अपडेट।
दाखिल तिथि: 2026-07-29
- दस्तावेज़ देखें
विशेष रिपोर्ट (8-K)
किसी बड़ी घटना, जैसे नेतृत्व में बदलाव या बड़ी घोषणा, की सूचना।
दाखिल तिथि: 2026-09-01
via SEC EDGAR
आय का इतिहास
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