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HUM

Humana Inc

US$388.36+2.29% (US$8.68)
Day's range
US$378.50 – US$390.00
Day's volume
US$293.7m
52-week range
US$162.46 – US$409.80

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HUM in numbers

Market cap
US$46.6bn
P/E
41.26
P/B
2.51
Dividend yield (12m)
0.68%
Net debt/EBITDA
-3.10

The 12-month dividend yield of HUM is 0.68%, below its 5-year average of 0.94%.

HUM price history

03/10/202502/10/2026
Compare with

HUM risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return+59.74%-17.09%-2.90%
Volatility (annualised)61.98%48.89%40.63%
Largest drawdown-31.96%-63.07%-67.69%
Positive months6/1214/3628/60

How much did investing in HUM return?

US$1,000.00 invested on 01/11/2021 would be worth US$971.04 today.

Value today in HUM
US$971.04
Return over the period
-2.90%
Return per year
-0.60%
In the S&P 500
US$1,690.98

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

HUM fundamentals

Valuation

  • P/E
    41.26
  • P/B
    2.51
  • EV/EBITDA
    11.83
  • EV/EBIT
    15.11
  • EV/Revenue
    0.27
  • P/EBIT
    19.08
  • P/S
    0.34
  • P/OCF
    25.29
  • P/FCF
    36.66
  • Earnings yield
    6.62%
  • PEG ratio
    —
  • Earnings per share
    US$9.41
  • Book value per share
    US$154.75

Debt

  • Net debt
    -US$9.7bn
  • Net debt/EBITDA
    -3.10
  • Net debt/Equity
    -0.52
  • Debt/Equity
    0.66
  • Current ratio
    1.77
  • Quick ratio
    —
  • Cash ratio
    1.02

Efficiency

  • Gross margin
    —
  • EBITDA margin
    2.28%
  • Operating margin
    1.78%
  • Net margin
    0.82%
  • Asset turnover
    2.48

Profitability

  • ROE
    6.08%
  • ROA
    2.04%
  • ROIC
    22.60%
  • Payout
    28.21%

Growth

  • Revenue CAGR (5 years)
    11.70%
  • Earnings CAGR (5 years)
    -21.21%
  • Revenue growth (year)
    —
  • Earnings growth (year)
    —
  • Revenue growth (quarter)
    —
  • Earnings growth (quarter)
    —

What is HUM's fair price?

Two classic value formulas, with today's numbers. The current price is US$388.36.

Graham's fair price
US$181.03
53.39% below the price

√(22.50 × US$9.41 × US$154.75)

Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.

Bazin's ceiling price
US$54.37
86.00% below the price

US$3.26 (5-year average) ÷ 6%

Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.

Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.

HUM indicators by year

Multiples at each year's closing price; margins and returns from that year's accounts.

Indicator20252024202320222021202020192018
P/E26.0025.3622.1922.8120.0315.7017.8923.08
P/B1.751.873.404.183.653.854.023.82
EV/EBITDA6.866.279.2112.0014.07——12.01
Dividend yield1.38%1.40%0.75%0.60%0.59%0.59%0.59%0.66%
Earnings per shareUS$9.85US$10.00US$20.63US$22.45US$23.16US$26.13US$20.49US$12.41
Book value per shareUS$146.41US$135.73US$134.78US$122.51US$126.98US$106.53US$91.12US$74.95
ROE6.73%7.37%15.31%18.33%18.24%24.53%22.49%16.56%
ROIC22.07%26.95%58.27%55.29%26.92%140.25%125.89%18.11%
EBITDA margin2.62%2.89%4.50%4.86%4.51%——6.23%
Net margin0.92%1.02%2.34%3.02%3.53%4.36%4.17%2.96%
Net debt/EBITDA-2.21-2.73-2.32-2.20-1.61——1.05

HUM financial statements

Line202520242023202220212020
Net revenueUS$129.7bnUS$117.8bnUS$106.4bnUS$92.9bnUS$83.1bnUS$77.2bn
Cost of sales——————
Gross profit——————
EBITDAUS$3.4bnUS$3.4bnUS$4.8bnUS$4.5bnUS$3.7bn—
EBITUS$2.7bnUS$2.6bnUS$4bnUS$3.8bnUS$3.1bnUS$5bn
Net finance result——————
Profit before taxUS$1.4bnUS$1.6bnUS$3.3bnUS$3.6bnUS$3.4bnUS$4.7bn
Income tax-US$250m-US$413m-US$836m-US$762m-US$485m-US$1.3bn
Net incomeUS$1.2bnUS$1.2bnUS$2.5bnUS$2.8bnUS$2.9bnUS$3.4bn

Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.

Does HUM pay dividends?

Announced payments
TypeLast day to ownPaymentPer share
Dividend29/10/202627/11/2026US$0.89

Dividend yield per year

  • 0.60%2017
  • 0.66%2018
  • 0.59%2019
  • 0.59%2020
  • 0.59%2021
  • 0.60%2022
  • 0.75%2023
  • 1.40%2024
  • 1.38%2025
  • 0.68%2026
Payment history
TypeLast day to ownPaymentPer share
Dividend25/06/202631/07/2026US$0.89
Dividend26/03/202624/04/2026US$0.89
Dividend25/12/202530/01/2026US$0.89
Dividend25/09/202531/10/2025US$0.89
Dividend26/06/202525/07/2025US$0.89
Dividend27/03/202525/04/2025US$0.89
Dividend30/12/202431/01/2025US$0.89
Dividend27/09/202425/10/2024US$0.89
Dividend27/06/202426/07/2024US$0.89
Dividend26/03/202426/04/2024US$0.89
Dividend27/12/202326/01/2024US$0.89
Dividend27/09/202327/10/2023US$0.89
See all 40 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Dividend28/06/202328/07/2023US$0.89
Dividend29/03/202328/04/2023US$0.89
Dividend28/12/202227/01/2023US$0.79
Dividend28/09/202228/10/2022US$0.79
Dividend28/06/202229/07/2022US$0.79
Dividend29/03/202229/04/2022US$0.79
Dividend29/12/202128/01/2022US$0.70
Dividend28/09/202129/10/2021US$0.70
Dividend28/06/202130/07/2021US$0.70
Dividend29/03/202130/04/2021US$0.70
Dividend29/12/202029/01/2021US$0.63
Dividend28/09/202030/10/2020US$0.63
Dividend26/06/202031/07/2020US$0.63
Dividend27/03/202024/04/2020US$0.63
Dividend27/12/201931/01/2020US$0.55
Dividend26/09/201925/10/2019US$0.55
Dividend26/06/201926/07/2019US$0.55
Dividend27/03/201926/04/2019US$0.55
Dividend27/12/201825/01/2019US$0.50
Dividend26/09/201826/10/2018US$0.50
Dividend27/06/201827/07/2018US$0.50
Dividend27/03/201827/04/2018US$0.50
Dividend27/12/201726/01/2018US$0.40
Dividend27/09/201727/10/2017US$0.40
Dividend27/06/201731/07/2017US$0.40
Dividend28/03/201728/04/2017US$0.40
Dividend09/01/201727/01/2017US$0.29
Dividend10/10/201628/10/2016US$0.29

About Humana

Sector
Finance, insurance and real estate

Questions about HUM

How much is HUM today?

HUM is at US$388.36 (2.29% on the day), last traded on 02/10/2026.

How much did HUM pay in dividends in 2025?

HUM paid US$3.54 per share in 2025, a dividend yield of 1.38%.

When is the next HUM dividend?

The next announced payment is US$0.89 per share on 27/11/2026.

What are the P/E and P/B of HUM?

HUM trades at a P/E of 41.26 and a P/B of 2.51.

How much did HUM return in 12 months?

HUM returned 59.74% in 12 months, with annualised volatility of 61.98% and a largest drawdown of -31.96%.