Humana Inc (HUM) stock

HUMNYSEHospital & Medical Service PlansFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 10/3051% above fair value

$450.00+6.32 (+1.42%)

Close on Nov 13, 2026Market cap $54.04BP/E 43.6Yield 0.79%

Humana statistics

108 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Feb 10, 2027 (estimated, before the open)
Last ex-dividend date: Jun 26, 2026
Fundamentals through: Sep 30, 2026
Share price as of: Nov 13, 2026

Valuation ratiosIndustry

Market Cap: $54.04B; $3.42B
Enterprise Value: $41.49B; $2.83B
PE Ratio: 43.65; 10.99
PS Ratio: 0.35; 1.17
PB Ratio: 2.87; 1.59
P/TBV Ratio: 7.62; 1.74
P/FCF Ratio: 17.21; 8.05
P/OCF Ratio: 14.48; 7.15

Enterprise valuationIndustry

EV / Sales: 0.27; 0.97
EV / EBITDA: 13.72; 6.02
EV / EBIT: 17.43; 13.36
EV / FCF: 13.22; 7.00

Share statisticsIndustry

Shares Outstanding: 120M; 66M
Shares Change (YoY): 0.30%; -1.32%
Float: 120M; 57M
Shares Held by Insiders: 0.32%; 3.33%
Shares Held by Institutions: 98.6%; 84.6%

Short sellingIndustry

Short Interest: 3M; –
Short Interest Change: -24.2%; -2.56%
Short % of Float: 2.32%; 3.81%
Short % of Shares Outstanding: 2.32%; 3.02%
Days to Cover: 2.15; 4.05

Stock price statisticsIndustry

52-Week High: $456.50; –
52-Week Low: $163.11; –
20-Day Moving Average: $423.97; –
50-Day Moving Average: $408.68; –
200-Day Moving Average: $317.35; –
Average True Range (14): $17.41; –
Price Change (1 Week): 3.75%; 2.21%
Price Change (1 Month): 4.12%; 4.21%
Price Change (3 Months): 17.1%; 2.03%
Price Change (6 Months): 47.5%; 11.0%
Price Change (YTD): 75.7%; 8.86%
Price Change (1 Year): 87.1%; 10.7%
Price Change (3 Years): -10.3%; 42.9%
Price Change (5 Years): 1.03%; 42.3%
Price Change (10 Years): 126.3%; 113.0%
Average Volume (10 Days): 2M; –
Average Volume (20 Days): 2M; –
Average Volume (90 Days): 1M; –
Relative Volume: 1.09; 0.73
Relative Strength Index (14): 64.5; 56.3
Volatility (1 Year): 46.0%; 28.3%
Beta (5 Years): 0.45; 0.60

MarginsIndustry

Operating Margin: 1.54%; 4.82%
Pretax Margin: 1.06%; 13.5%
Profit Margin: 0.81%; 10.8%
EBITDA Margin: 1.96%; 13.5%
FCF Margin: 2.04%; 18.5%

Returns on capitalIndustry

Return on Equity (ROE): 6.67%; 13.9%
Return on Assets (ROA): 2.33%; 2.97%
Return on Invested Capital (ROIC): 23.2%; 17.9%
Return on Capital Employed (ROCE): 7.16%; 5.44%

Financial positionIndustry

Current Ratio: 1.65; 1.47
Quick Ratio: 1.16; 0.97
Debt / Equity: 0.66; 0.32
Debt / EBITDA: 4.13; 2.21
Debt / FCF: 3.98; 2.32
Net Debt / EBITDA: -4.17; -0.97
Interest Coverage: 3.16; 4.66

GrowthIndustry

Revenue Growth (YoY): 22.0%; 6.46%
Net Income Growth (YoY): -3.49%; 11.9%
EPS Growth (YoY): -3.55%; 12.7%
FCF Growth (YoY): 102.9%; 9.52%
Revenue Growth (3Y CAGR): 11.8%; 9.53%
Revenue Growth (5Y CAGR): 10.9%; 8.29%
EPS Growth (3Y CAGR): -23.6%; 15.9%
EPS Growth (5Y CAGR): -17.2%; 15.2%

EfficiencyIndustry

Asset Turnover: 2.88; 0.27
Revenue Per Employee: $2.30M; $1.80M
Profits Per Employee: $18.58K; $182.48K
Employee Count: 67,060; 1,341
WACC: 7.01%; 8.10%

Income statement (TTM)Industry

Revenue: $154.19B; $4.42B
Operating Income: $2.38B; $805.80M
Pretax Income: $1.64B; $617.47M
Net Income: $1.25B; $510.95M
EBITDA: $3.03B; $579.34M
EPS (Diluted): $10.31; $5.23

Balance sheetIndustry

Cash & Short-Term Investments: $25.11B; $519.20M
Total Debt: $12.50B; $668.00M
Net Cash (Debt): $12.61B; $331.32M
Net Cash Per Share: $104.97; $5.43
Equity (Book Value): $18.83B; $3.44B
Book Value Per Share: $156.77; $37.80
Tangible Book Value: $7.09B; $2.32B
Working Capital: $15.56B; $489.26M

Cash flow (TTM)Industry

Operating Cash Flow: $3.73B; $709.06M
Capital Expenditures: -$592.00M; -$9.40M
Free Cash Flow: $3.14B; $580.82M
FCF Per Share: $26.14; $8.18

Dividends and yieldsIndustry

Earnings Yield: 2.31%; 8.85%
FCF Yield: 5.81%; 12.2%
Dividend Yield: 0.79%; 1.88%
Buyback Yield: 0.28%; 3.22%
Shareholder Yield: 1.07%; 4.26%
Dividend Per Share: $3.54; $1.75
Dividend Growth (YoY): 0.00%; 4.86%
Years of Dividend Growth: 0; 3
Payout Ratio: 34.4%; 20.1%
FCF Payout Ratio: 13.7%; 17.9%

Taxes and interestIndustry

Interest Expense: $753.00M; $77.46M
Income Tax: $424.00M; $107.00M
Effective Tax Rate: 25.9%; 20.0%

Scores and fair valueIndustry

Graham Number: $190.70; $76.72
Graham Upside: -57.6%; 11.3%
Altman Z-Score: 4.75; 0.94
Piotroski F-Score: 5; 5

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	HUM	S&P 500	Difference	HUM per year	S&P 500 per year
1 month	+7.0%	-3.0%	+10.1 pts
3 months	+16.9%	-2.8%	+19.7 pts
Year to date	+77.0%	+11.5%	+65.5 pts
1 year	+92.2%	+13.5%	+78.7 pts
3 years	-6.3%	+77.7%	−84.0 pts	-2.1%	+21.1%
5 years	+6.0%	+72.6%	−66.6 pts	+1.2%	+11.5%
10 years	+153.1%	+308.2%	−155.1 pts	+9.7%	+15.1%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

3M HUM shares were sold short on Oct 30, 2026, down 24.2% from the previous report, or 2.32% of the shares available to trade. At recent volumes it would take 2.1 days to buy them back. Over the last 20 sessions, 35.9% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	2,779,968	-24.2%	1,295,406	2.1
Oct 15, 2026	3,665,781	+31.4%	1,855,941	2.0
Sep 30, 2026	2,789,982	-2.0%	1,244,216	2.2
Sep 15, 2026	2,847,303	-8.5%	864,608	3.3
Aug 31, 2026	3,111,476	-7.4%	1,007,589	3.1
Aug 14, 2026	3,361,629	-8.1%	1,187,513	2.8
Jul 31, 2026	3,659,421	-13.9%	1,689,672	2.2
Jul 15, 2026	4,251,822	-1.7%	1,315,609	3.2
Jun 30, 2026	4,327,430	-31.6%	1,726,267	2.5
Jun 15, 2026	6,323,340	+3.4%	1,364,426	4.6
May 29, 2026	6,117,059	+2.1%	1,139,058	5.4
May 15, 2026	5,989,905	-4.5%	2,008,266	3.0