Fundamental analysis · SEC EDGAR · TTM through 31/03/2026

Fundamental analysis of Humana Inc

HUM · NYSE · Healthcare

Fundamental quality

DEMANDING

32

out of 100

Breakdown by area

I.GrowthEPS growth: -23.2% · Revenue growth: 12.8%
18
II.ProfitabilityNet margin: 0.8% · ROE: 6.1%
33
III.Financial healthNet debt/EBITDA: 2.9x · FCF: 0.9%
45

Source: SEC EDGAR · TTM through 31/03/2026

The score combines growth, profitability and financial strength. Here its financial strength weighs in its favor, while its growth drags it down the most.

Strengths

  • Growing revenue (12.8% annualized).

Risks and weaknesses

  • Thin margins (net margin of 0.8%).
  • Declining earnings per share (-23.2% annualized).

Historical evolution

YearRevenueNet incomeFree cash flowNet debt
2021$83,064M$2,933M$920M$9,100M
2022$92,870M$2,806M$3,450M$6,065M
2023$106,374M$2,489M$2,977M$6,962M
2024$117,761M$1,207M$2,391M$9,500M
2025$129,664M$1,188M$375M$8,169M

Between 2021 and 2025, revenue went from $83,064M to $129,664M (+56%) and net income went from $2,933M to $1,188M (-59%).

Annual figures in U.S. dollars per SEC filings. Net debt is total debt minus cash.

Frequently asked questions

Is Humana Inc a profitable company?

Humana Inc is profitable, with a net margin of 0.8%, though a thin one.

Does Humana Inc have a lot of debt?

A moderate level: its net debt is 2.9 times its EBITDA.

Is Humana Inc growing?

Its revenue has grown 12.8% annualized in recent years.

Does Humana Inc generate cash?

Yes. It converts about 0.9% of its revenue into free cash flow.

The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.

Is Humana Inc cheap or expensive?

That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).

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