ScoreWhy is Humana, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.30%
2
The company declared positive results in Mar'25 after very negative results in Dec'24
- NET PROFIT(HY) Higher at USD 1,789 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 19.61%
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
3
With ROE of 9.67%, it has a very expensive valuation with a 2.48 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -4.21%, its profits have fallen by -15.3%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -4.21% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Humana, Inc. should be less than 10%
- Overall Portfolio exposure to Healthcare Services should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Healthcare Services)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Humana, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Humana, Inc.
48.17%
-0.52
45.81%
S&P 500
25.41%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.94%
EBIT Growth (5y)
-331.16%
EBIT to Interest (avg)
0.11
Debt to EBITDA (avg)
14.09
Net Debt to Equity (avg)
0.75
Sales to Capital Employed (avg)
3.90
Tax Ratio
23.69%
Dividend Payout Ratio
36.00%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
17.30%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
27
Industry P/E
Price to Book Value
1.82
EV to EBIT
NA
EV to EBITDA
30.06
EV to Capital Employed
2.41
EV to Sales
0.19
PEG Ratio
NA
Dividend Yield
1.60%
ROCE (Latest)
ROE (Latest)
6.81%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
PRE-TAX PROFIT(Q)
At USD 1,595 MM has Grown at 310.29%
NET PROFIT(Q)
At USD 1,186 MM has Grown at 299.33%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at USD 39,648 MM
-13What is not working for the Company
NET PROFIT(HY)
At USD 390 MM has Grown at -29.22%
ROCE(HY)
Lowest at 6.22%
INTEREST COVERAGE RATIO(Q)
Lowest at 100.52
INTEREST(Q)
Highest at USD 193 MM
Here's what is working for Humana, Inc.
Pre-Tax Profit
At USD 1,595 MM has Grown at 310.29%
over average net sales of the previous four periods of USD 388.75 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 1,186 MM has Grown at 299.33%
over average net sales of the previous four periods of USD 297 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 39,648 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 39,648 MM has Grown at 22.31%
over average net sales of the previous four periods of USD 32,416 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Humana, Inc.
Interest
At USD 193 MM has Grown at 32.19%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest Coverage Ratio
Lowest at 100.52
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Interest
Highest at USD 193 MM
in the last five periods and Increased by 32.19% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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