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Earnings transcript
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HUM
Humana Inc.
$391.06
1.35
(0.35%)
| Exchange: | NYSE |
| Market Cap: | 46.958B |
| Shares Outstanding: | 101.126M |
Delayed data
About The Company
| Sector: | Healthcare | |||||
| Industry: | Medical – Healthcare Plans | |||||
| CEO: | James A. Rechtin | |||||
| Full Time Employees: | 67060 | |||||
| Address: |
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| Website: | https://www.humana.com |
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. Furthermore, Humana collaborates with government entities; it holds a contract with the Centers for Medicare and Medicaid Services (CMS) to manage the Limited Income Newly Eligible Transition (LI NET) prescription drug program. The company also secures agreements with numerous states to deliver Medicaid, dual-eligible, and long-term care support benefits. For employer groups and individuals, Humana furnishes fully insured commercial medical and specialized health coverage, which encompasses dental, vision, and other ancillary health benefits. They additionally offer administrative services only (ASO) solutions and extend support to military personnel through contracts like the TRICARE T2017 East Region. Beyond insurance products, the company delivers comprehensive healthcare services directly. These include pharmacy management, provider network services, and a suite of home-based solutions such as home health care, serving both its own health plan enrollees and external clients. By the close of 2021 (December 31), Humana’s reach extended to approximately 17 million individuals enrolled in its medical benefit plans and an additional 5 million utilizing its specialized product offerings. Established in 1961, Humana Inc. maintains its corporate headquarters in Louisville, Kentucky.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 106,440,000 | 117,811,000 | 129,664,000 |
| Gross Profit | 18,046,000 | 17,147,000 | 18,852,000 |
| EBITDA | 4,730,000 | 3,255,000 | 2,908,000 |
| Operating Income | 3,320,000 | 1,627,000 | 1,453,000 |
| Net Income | 2,489,000 | 1,207,000 | 1,188,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 47,065,000 | 46,479,000 | 48,909,000 |
| Total Liabilities | 30,747,000 | 30,034,000 | 31,172,000 |
| Total Stockholders Equity | 16,262,000 | 16,375,000 | 17,657,000 |
| Total Debt | 11,656,000 | 11,721,000 | 12,369,000 |
| Cash and Cash Equivalents | 4,694,000 | 2,221,000 | 4,200,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 3,981,000 | 2,966,000 | 921,000 |
| Capital Expenditure | -1,004,000 | -575,000 | -546,000 |
| Free Cash Flow | 2,977,000 | 2,391,000 | 375,000 |
| Net Income | 2,489,000 | 1,214,000 | 1,188,000 |
| Net Change in Cash | -367,000 | -2,473,000 | 1,979,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 196,612,888.075 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 215,455,218.005 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 205,756,000 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 7,846,937.564 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 8,598,946.183 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 8,211,844.611 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 4,073,415.429 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 4,588,082.238 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 4,323,154.315 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 35.780 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 37.970 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 33.710 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 9 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 5 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Revenue Performance: Humana has demonstrated consistent revenue growth as reflected in historical income statements, supported by strong gross profit margins (grossProfitMarginTTM) and positive net income trends. This indicates a solid operational foundation within the healthcare insurance sector.
- Strong Cash Flow Metrics: The company exhibits healthy free cash flow (freeCashFlowYieldTTM and freeCashFlow from cash flow statements), suggesting efficient cash generation and the ability to fund operations, dividends (lastDiv), and potential investments without excessive reliance on external financing.
- Market Position and Scale: With a significant market capitalization (mktCap) and a large workforce (fullTimeEmployees), Humana holds a competitive position in the health insurance industry (industryName), benefiting from economies of scale and brand recognition within the broader healthcare sector (sectorName).
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates HUM intrinsic value between $290.12 – $291.33 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about HUM valuation
Is Humana Inc. (HUM) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Humana Inc. (HUM) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is HUM a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether HUM trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is HUM’s P/E ratio?
You can see HUM’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for HUM?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is HUM a good long-term investment?
Whether HUM fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
HUM
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Daily snapshot
0.35
Trading Metrics:
| Open: | 391.06 | Previous Close: | 389.71 | |
| Day Low: | 387.15 | Day High: | 403.15 | |
| Year Low: | 163.11 | Year High: | 428.88 | |
| Price Avg 50: | 384.03 | Price Avg 200: | 274.31 | |
| Volume: | 908122 | Average Volume: | 1.546M |
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Login — it's freeHUM full analysis
Welcome to MARKETSNAP’s SWOT analysis for Humana! If you’re a long-term investor looking to build wealth with solid picks in the healthcare space, you’ve come to the right place. Today, we’re diving deep into Humana, a major player in the health insurance game, to break down its strengths, weaknesses, opportunities, and threats. I’ll keep this conversational and packed with insights, so let’s get started with a quick overview of who Humana is and what’s been happening with them lately. For…
