← HUMANA INC HUM
Market Price
$389.25
Market Cap
$46.20B
P/E Ratio
39.56
Revenue (FY 2025)
↑31.6% YoY
$5.83B
3-Yr CAGR: 6.9%
Net Income
↓-1.6% YoY
$1.19B
Net Margin: 20.4%
Free Cash Flow
↓-84.3% YoY
$375.00M
FCF Yield: 0.81%
EPS (Diluted)
↓-1.4% YoY
$9.84
Basic: $9.87
Return on Equity
Efficiency
6.7%
ROA: 2.4%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (HUM)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2018: Revenue YoY (+48.4%) is identical to Gross Profit YoY (+48.4%). Verify the underlying Revenue and Gross Profit values for FY 2018 and FY 2017.
- FY 2020: Revenue YoY (+26.1%) is identical to Gross Profit YoY (+26.1%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2022: Revenue YoY (+56.3%) is identical to Gross Profit YoY (+56.3%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2024: Revenue YoY (+9.9%) is identical to Gross Profit YoY (+9.9%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $969.0M | — | $780.0M | $614.0M | — | $4.07 | — | $1,936.0M | $1,409.0M | — |
| FY 2017 | $982.0M | +1.3% | $740.0M | $2,448.0M | +298.7% | $16.81 | +313.0% | $4,051.0M | $3,525.0M | +150.2% |
| FY 2018 | $1,457.0M | +48.4% | $1,239.0M | $1,683.0M | -31.2% | $12.16 | -27.7% | $2,173.0M | $1,561.0M | -55.7% |
| FY 2019 | $1,439.0M | -1.2% | $1,197.0M | $2,707.0M | +60.8% | $20.10 | +65.3% | $5,284.0M | $4,548.0M | +191.4% |
| FY 2020 | $1,815.0M | +26.1% | $1,532.0M | $3,367.0M | +24.4% | $25.31 | +25.9% | $5,639.0M | $4,675.0M | +2.8% |
| FY 2021 | $3,055.0M | +68.3% | $2,729.0M | $2,933.0M | -12.9% | $22.67 | -10.4% | $2,262.0M | $946.0M | -79.8% |
| FY 2022 | $4,776.0M | +56.3% | $4,375.0M | $2,806.0M | -4.3% | $22.08 | -2.6% | $4,587.0M | $3,467.0M | +266.5% |
| FY 2023 | $4,033.0M | -15.6% | $3,540.0M | $2,489.0M | -11.3% | $20.00 | -9.4% | $3,981.0M | $2,977.0M | -14.1% |
| FY 2024 | $4,431.0M | +9.9% | $3,771.0M | $1,207.0M | -51.5% | $9.98 | -50.1% | $2,966.0M | $2,391.0M | -19.7% |
| FY 2025 | $5,833.0M | +31.6% | $5,202.0M | $1,188.0M | -1.6% | $9.84 | -1.4% | $921.0M | $375.0M | -84.3% |
Valuation
Market Price
$389.25
Market Cap
$46.20B
Enterprise Value
$54.37B
P/E Ratio
39.56
P/B Ratio
2.65
FCF Yield
0.81%
Dividend Yield
2.54%
Shares Outstanding
Profitability & Margins
Gross Margin
89.18%
Operating Margin
46.36%
Net Margin
20.37%
Return on Equity (ROE)
6.73%
Return on Assets (ROA)
2.43%
Asset Turnover
0.12x
Revenue 3-Yr CAGR
6.89%
Financial Health & Liquidity
Current Ratio
2.00
Cash Ratio
0.26
Debt / Equity
0.701
Debt / Assets
0.253
Cash & Equivalents
$4.20B
Total Debt
$12.37B
Book Value / Share
$147.07
Cash Flow Efficiency
Operating Cash Flow
$921.00M
Capital Expenditures (CapEx)
$546.00M
Free Cash Flow
$375.00M
OCF / Revenue
15.79%
FCF / Revenue
6.43%
FCF 3-Yr CAGR
-52.35%
Per Share Metrics
EPS (Diluted)
$9.84
EPS (Basic)
$9.87
Dividends / Share
$9.87
Book Value / Share
$147.07
EPS YoY Growth
-1.40%
Balance Sheet (FY 2025)
Total Assets
$48.91B
Total Liabilities
$31.17B
Stockholders' Equity
$17.66B
Current Assets
$32.73B
Current Liabilities
$16.35B