Valuation dashboard for Humana Inc. (HUM) with P/E 39.25, P/B 2.59, EV/EBITDA 18.4 and dividend yield 0.85%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Healthcare companies.
Humana Inc., a prominent health and well-being enterprise, operates across the United States through its various subsidiary companies. Its operational structure is divided into three main segments: Retail, Group and Specialty, and Healthcare Services. The firm provides a wide array of medical and supplementary insurance plans directly to individual consumers.
What would it be worth at its usual multiples?
Versus its usual multiples: expensive · Current P/E 39.3× · Multiples range: $208.82 · $324.09.
At the decade median (19.8×) $209 (-50 %); at its sector median (30.7×) $324 (-22 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
Humana Inc. reported revenue of $129.66B in the most recent fiscal year, growing at a 5-year CAGR of 10.9%. Net income reached $1.19B, with a -18.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 13.7%, operating margin 1.4%, net margin 0.9%.
At $414.50 (closing price, October 30, 2026), HUM trades at a P/E of 39.25 and an ROE of 6.91%. Market capitalisation stands at $49.8B, placing it among large-cap names.
Balance sheet quality for HUM: debt-to-equity ratio of 0.74, current ratio of 1.74 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 39.25 |
| Price / Book | 2.59 |
| EV / EBITDA | 18.4 |
| Dividend Yield | 0.85% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| HUM | Humana Inc. | $49.8B | 39.25 | 2.59 | 6.9% |
| UNH | UnitedHealth Group Incorporated | $365.3B | 23.23 | 3.53 | 16.1% |
| CVS | CVS Health Corp. | $115.4B | 23.88 | 1.44 | 6.4% |
| CI | Cigna Corporation | $78.8B | 12.34 | 1.85 | 15.2% |
| ELV | Elevance Health Inc. | $91.1B | 17.91 | 2.05 | 11.6% |
| CNC | Centene Corp. | $33.8B | 23.44 | 1.52 | 6.8% |
| MOH | Molina Healthcare, Inc. | $10.7B | 2.54 | -1.2% | |
| OSCR | Oscar Health, Inc. | $7.9B | 21.69 | 4.47 | 38.5% |
Price
| Price | $414.50 (closing price, October 30, 2026) |
| Market Cap | $49.8B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 6.91% |
| Return on Invested Capital | 4.52% |
| Return on Assets | 2.23% |
| Gross Margin | 13.65% |
| Operating Margin | 1.39% |
| Net Margin | 0.88% |
Related companies: UNH · CVS · CI · ELV · CNC · MOH · OSCR
Explore sector: Healthcare · Medical - Healthcare Plans
More sections of HUM: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Weekly Radar: the S&P 500 through the Buffett and Lynch methods · Companies that pass the Buffett method · Companies that pass the Lynch method · Stocks that pass Graham's defensive investor test today · Investment Academy — learn to analyze stocks