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 sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Healthcare Services)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Humana, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Humana, Inc.
-37.02%
-0.52
45.81%
S&P 500
14.9%
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
1.83
EV to EBIT
NA
EV to EBITDA
30.27
EV to Capital Employed
2.43
EV to Sales
0.19
PEG Ratio
NA
Dividend Yield
1.26%
ROCE (Latest)
ROE (Latest)
6.81%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-24What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 921 MM
ROCE(HY)
Lowest at 6.98%
OPERATING PROFIT(Q)
Lowest at USD -808 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -2.49 %
PRE-TAX PROFIT(Q)
Lowest at USD -1,011 MM
NET PROFIT(Q)
Lowest at USD -796 MM
EPS(Q)
Lowest at USD -6.61
Here's what is working for Humana, Inc.
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.
Pre-Tax Profit
At USD -1,011 MM has Fallen at -337.32%
over average net sales of the previous four periods of USD 426 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD -796 MM has Fallen at -346.63%
over average net sales of the previous four periods of USD 322.75 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Cash Flow
Lowest at USD 921 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit
Lowest at USD -808 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at -2.49 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD -1,011 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD -796 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD -6.61
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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