Humana Inc (HUM)
Valor JustoFundamental
57
Preço
$376.91
Capitalização de Mercado
$46.79B
Parte 1 · Quanto vale a empresa
Visão Geral
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 setembro 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.
Balanço & Liquidez
Receita
$137.20B
Últimos 12 meses (até 31/03/2026)
Resultado Líquido
$1.13B
Últimos 12 meses (até 31/03/2026)
Fluxo de Caixa Livre
$375M
Capital Próprio Total
$17.66B
Passivo Total
$31.17B
Rácio de Liquidez
1.77
Cobertura de Juros
3.68
Dívida/EBITDA
4.11
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Quanto pesa a dívida
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$400.66
Preço Atual
$376.91
Margem de Segurança
+5.9%
Intervalo de Valor Justo
$260.43 - $540.89
Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
40.72
ROE
6.7%
Rácio P/B
2.47
P/FCF
36.02
Margem Bruta
-
ROIC
5.7%
Radar de Rentabilidade
Criação de Valor (Vantagem Competitiva)
ROIC
5.7%
WACC
7.2%
ROIC − WACC
-1.5 pp
O ROIC está abaixo do custo do capital — a empresa está a destruir valor a cada dólar investido.
Critérios de Análise Fundamental
Aprovado (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
Reprovado (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%
Indisponível (3)
- Gross Margin NaN%
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Alta qualidade: resultados respaldados por caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Participações institucionais
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| 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 |
Risco de Auditoria
2
Risco do Conselho
2
Risco de Remuneração
5
Risco dos Direitos dos Acionistas
2
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Documentos
- Ver documento
Relatório anual (10-K)
Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.
Arquivado em 2026-02-19
- Ver documento
Relatório trimestral (10-Q)
Uma atualização sobre o desempenho financeiro dos últimos três meses.
Arquivado em 2026-07-29
- Ver documento
Relatório de fato relevante (8-K)
Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.
Arquivado em 2026-09-01
via SEC EDGAR
Histórico 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