Humana is one of the largest private health insurers in the U.S. with a focus on administering Medicare Advantage plans. The firm has built a niche specializing in government-sponsored programs, with nearly all its medical membership stemming from individual and group Medicare Advantage, Medicaid, and the military's Tricare program. The firm is also a leader in stand-alone prescription drug plans for seniors enrolled in traditional fee-for-service Medicare. Beyond medical insurance, the company provides other healthcare services, including primary-care services, at-home services, and pharmacy benefit management.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	0.39
Equity-to-Asset	0.35
Debt-to-Equity	0.74
Debt-to-EBITDA	2.51
Interest Coverage	7.86
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.47	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	13.8
	3-Year EBITDA Growth Rate	-2.3
	3-Year EPS without NRI Growth Rate	1
	3-Year FCF Growth Rate	-12
	3-Year Book Growth Rate	7.7
	Future 3-5Y EPS without NRI Growth Rate	2.23
	Future 3-5Y Total Revenue Growth Rate	4.9

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	34.6
	9-Day RSI	39.08
	14-Day RSI	38.99
	6-1 Month Momentum %	-32.5
	12-1 Month Momentum %	-30.53

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.14
	Dividend Payout Ratio	0.14
	3-Year Dividend Growth Rate	12.3
	Forward Dividend Yield %	1.14
	5-Year Yield-on-Cost %	1.96
	3-Year Average Share Buyback Ratio	1.7
	Shareholder Yield %	5.61

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	2.34
	FCF Margin %	2.8
	ROE %	15.19
	ROA %	4.84
	ROIC %	11.78
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	15.57
	Forward PE Ratio	19.18
	PE Ratio without NRI	12.24
	Shiller PE Ratio	16.77
	Price-to-Owner-Earnings	14.89
	PEG Ratio	1.15
	PS Ratio	0.37
	PB Ratio	2.32
	Price-to-Tangible-Book	7.51
	Price-to-Free-Cash-Flow	13.57
	Price-to-Operating-Cash-Flow	10
	EV-to-EBIT	11.69
	EV-to-Forward-EBIT	15.56
	EV-to-EBITDA	9.45
	EV-to-Forward-EBITDA	12.25
	EV-to-Revenue	0.43
	EV-to-Forward-Revenue	0.41
	EV-to-FCF	15.24
	Price-to-Projected-FCF	0.84
	Price-to-DCF (Earnings Based)	0.47
	Price-to-DCF (FCF Based)	0.53
	Price-to-Median-PS-Value	0.55
	Price-to-Peter-Lynch-Fair-Value	1.27
	Price-to-Graham-Number	2.03
	Earnings Yield (Greenblatt) %	8.55
	FCF Yield %	8.01
	Forward Rate of Return (Yacktman) %	17

GF Value: $599.66

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