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Humana Inc. (HUM) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Humana Inc.

HUMMarket cap $48BPrice $396.5

Country🇺🇸United States

SectorHealthcare

IndustryHealthcare Services

Provides health insurance and Medicare plans to over 4 million Americans, primarily seniors. Controls one of the largest networks of medical centers and clinics, making money both insuring patients and treating them.

In Bastion Portfolios?

52W Return+45%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+12%7

Revenue Forecast

Rev CAGR (1y)+25%9

Rev CAGR (3y)+12%7

Rev CAGR (5y)+11%8

Earnings Forecast

EPS Growth Y+1-8%3

EPS Growth Y+2+78%10

EPS Growth Y+3+64%10

Quality

Margins

EBIT Margin2%2

Net Income Margin1%2

Free Cash Flow Margin1%3

Debt

Net Debt/EBITDA2.14

Efficiency

ROE7%3

ROA2%4

Earnings Stability22

GEAR+WEAK26

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)322

P/E Ratio (Forward 3y)155

P/BV2.56

EV Multiples

EV/EBITDA Fwd193

EV/EBIT Fwd253

Yield

Free Cash Flow Yield4.1%6

Dividend Yield0.9%3

Momentum

Short term

1 month return-2%7

3 month return+0%6

YTD return+56%9

Mid term

Price vs 52wHigh92%9

1 year return+34%8

Long term

3 year return-18%2

5 year return+1%4

Risk Shield

Price Risk

Beta1.04

Volatility47%3

Free Cash Flow

Free Cash Flow Margin1%3

Free Cash Flow Yield4.1%6

Quality

ROCE10%6

Earnings Stability22

Net Debt/EBITDA2.14

02Growth

Is it actually growing, and how fast?

HUMHumana

Revenue FY25$118B

GROWTH RATING↗

STRONG76 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%7

Revenue, next 1Y+25%9

Revenue, next 3Y, CAGR+12%7

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-8%3

EPS growth, FY27E+78%10

EPS growth, FY28E+64%10

GROWTH ASSESSMENT

STRENGTHS

It out-grows 76% of companies worldwide.

Revenue grew 12%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Revenue is set to grow 12%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 12%/yr over the last 3 years and is set to keep growing around 12%/yr.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

WATCH

Earnings are set to grow faster than sales (EPS about 64%/yr vs revenue 12%/yr), so margins should widen. One year dips: EPS falls 8% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE60 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+0%6

YTD return+56%9

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+34%8

3-year return-18%2

5-year return+1%4

MOMENTUM ASSESSMENT

STRENGTHS

It's up 34% over the past year, now 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%) and so far this year (+56%).

WATCH

Returns sit at the market level over three months (+0%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-18% over three years and +0.8% over five), behind 70% of the market.

BOTTOM LINE

Early Turnaround

A poor multi-year track record but a sharp recent rally. Momentum is turning up, yet the trend is young and unproven — it needs follow-through to confirm rather than fade. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Humana. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

HUMHumana

Revenue FY25$118B

GROWTH RATING↗

STRONG76 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%7

Revenue, next 1Y+25%9

Revenue, next 3Y, CAGR+12%7

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-8%3

EPS growth, FY27E+78%10

EPS growth, FY28E+64%10

GROWTH ASSESSMENT

STRENGTHS

It out-grows 76% of companies worldwide.

Revenue grew 12%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Revenue is set to grow 12%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 12%/yr over the last 3 years and is set to keep growing around 12%/yr.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

WATCH

Earnings are set to grow faster than sales (EPS about 64%/yr vs revenue 12%/yr), so margins should widen. One year dips: EPS falls 8% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE60 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+0%6

YTD return+56%9

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+34%8

3-year return-18%2

5-year return+1%4

MOMENTUM ASSESSMENT

STRENGTHS

It's up 34% over the past year, now 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%) and so far this year (+56%).

WATCH

Returns sit at the market level over three months (+0%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-18% over three years and +0.8% over five), behind 70% of the market.

BOTTOM LINE

Early Turnaround

04Value

Are you paying a fair price for it?

Stop guessing on Humana. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community