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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.51
HUM's Cash to Debt is ranked lower than
66% of the 29 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.55 vs. HUM: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
HUM' s 10-Year Cash to Debt Range
Min: 0.26  Med: 0.79 Max: N/A
Current: 0.51
Equity to Asset 0.40
HUM's Equity to Asset is ranked higher than
57% of the 28 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.36 vs. HUM: 0.40 )
Ranked among companies with meaningful Equity to Asset only.
HUM' s 10-Year Equity to Asset Range
Min: 0.25  Med: 0.37 Max: 0.55
Current: 0.4
0.25
0.55
Interest Coverage 11.30
HUM's Interest Coverage is ranked lower than
63% of the 19 Companies
in the Global Health Care Plans industry.

( Industry Median: 13.26 vs. HUM: 11.30 )
Ranked among companies with meaningful Interest Coverage only.
HUM' s 10-Year Interest Coverage Range
Min: 4.98  Med: 13.40 Max: 20.5
Current: 11.3
4.98
20.5
F-Score: 5
WACC vs ROIC
10.51%
29.76%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 4.56
HUM's Operating margin (%) is ranked higher than
62% of the 29 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.79 vs. HUM: 4.56 )
Ranked among companies with meaningful Operating margin (%) only.
HUM' s 10-Year Operating margin (%) Range
Min: -3.64  Med: 3.43 Max: 6.07
Current: 4.56
-3.64
6.07
Net-margin (%) 2.49
HUM's Net-margin (%) is ranked higher than
66% of the 29 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.50 vs. HUM: 2.49 )
Ranked among companies with meaningful Net-margin (%) only.
HUM' s 10-Year Net-margin (%) Range
Min: -3.74  Med: 2.20 Max: 4.04
Current: 2.49
-3.74
4.04
ROE (%) 12.99
HUM's ROE (%) is ranked higher than
70% of the 27 Companies
in the Global Health Care Plans industry.

( Industry Median: 6.64 vs. HUM: 12.99 )
Ranked among companies with meaningful ROE (%) only.
HUM' s 10-Year ROE (%) Range
Min: -25.87  Med: 13.52 Max: 23.54
Current: 12.99
-25.87
23.54
ROA (%) 5.31
HUM's ROA (%) is ranked higher than
76% of the 29 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.93 vs. HUM: 5.31 )
Ranked among companies with meaningful ROA (%) only.
HUM' s 10-Year ROA (%) Range
Min: -7.32  Med: 4.99 Max: 8.39
Current: 5.31
-7.32
8.39
Revenue Growth (3Y)(%) 12.30
HUM's Revenue Growth (3Y)(%) is ranked lower than
54% of the 24 Companies
in the Global Health Care Plans industry.

( Industry Median: 13.30 vs. HUM: 12.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HUM' s 10-Year Revenue Growth (3Y)(%) Range
Min: 1.1  Med: 10.10 Max: 27.3
Current: 12.3
1.1
27.3
EBITDA Growth (3Y)(%) 4.60
HUM's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 20 Companies
in the Global Health Care Plans industry.

( Industry Median: 8.90 vs. HUM: 4.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HUM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -9.5  Med: 15.70 Max: 38.5
Current: 4.6
-9.5
38.5
EPS Growth (3Y)(%) -4.50
HUM's EPS Growth (3Y)(%) is ranked lower than
76% of the 21 Companies
in the Global Health Care Plans industry.

( Industry Median: 7.30 vs. HUM: -4.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HUM' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.9  Med: 27.40 Max: 41.9
Current: -4.5
-19.9
41.9
» HUM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

HUM Guru Trades in Q3 2014

Ray Dalio 9,311 sh (New)
Steve Mandel 2,174,122 sh (New)
Andreas Halvorsen 493,602 sh (New)
Paul Tudor Jones 15,970 sh (+94.97%)
Jeremy Grantham 1,125,953 sh (+9.85%)
Joel Greenblatt 5,973 sh (+5.77%)
Larry Robbins 5,016,536 sh (+0.01%)
Mario Gabelli 5,000 sh (unchged)
Pioneer Investments 752,240 sh (unchged)
John Hussman 50,000 sh (unchged)
David Dreman Sold Out
Lee Ainslie Sold Out
Stanley Druckenmiller Sold Out
Vanguard Health Care Fund 5,247,894 sh (-7.91%)
HOTCHKIS & WILEY 3,079,572 sh (-9.19%)
» More
Q4 2014

HUM Guru Trades in Q4 2014

First Eagle Investment 453,653 sh (New)
Steven Cohen 51,500 sh (New)
Louis Moore Bacon 50,000 sh (New)
Andreas Halvorsen 658,313 sh (+33.37%)
Joel Greenblatt 6,252 sh (+4.67%)
Vanguard Health Care Fund 5,247,894 sh (unchged)
Mario Gabelli 5,000 sh (unchged)
Jeremy Grantham 1,106,954 sh (-1.69%)
Ray Dalio 9,011 sh (-3.22%)
Steve Mandel 1,911,536 sh (-12.08%)
Pioneer Investments 599,900 sh (-20.25%)
HOTCHKIS & WILEY 2,366,024 sh (-23.17%)
John Hussman 25,000 sh (-50.00%)
Larry Robbins 2,207,844 sh (-55.99%)
Paul Tudor Jones 4,900 sh (-69.32%)
» More
Q1 2015

HUM Guru Trades in Q1 2015

Leon Cooperman 593,400 sh (New)
Larry Robbins 5,016,536 sh (+127.21%)
Andreas Halvorsen 1,380,231 sh (+109.66%)
Paul Tudor Jones 8,555 sh (+74.59%)
Ray Dalio 12,511 sh (+38.84%)
Pioneer Investments 643,190 sh (+7.22%)
Mario Gabelli 5,000 sh (unchged)
Vanguard Health Care Fund 5,247,894 sh (unchged)
John Hussman Sold Out
Steve Mandel Sold Out
Joel Greenblatt 5,948 sh (-4.86%)
Jeremy Grantham 974,065 sh (-12.00%)
HOTCHKIS & WILEY 1,685,855 sh (-28.75%)
Louis Moore Bacon 34,111 sh (-31.78%)
First Eagle Investment 296,553 sh (-34.63%)
Steven Cohen 31,100 sh (-39.61%)
» More
Q2 2015

HUM Guru Trades in Q2 2015

Jim Simons 73,700 sh (New)
Eric Mindich 400,000 sh (New)
Steven Cohen 230,200 sh (+640.19%)
Andreas Halvorsen 3,206,839 sh (+132.34%)
Ray Dalio 23,611 sh (+88.72%)
Paul Tudor Jones 13,726 sh (+60.44%)
Larry Robbins 6,566,967 sh (+30.91%)
Pioneer Investments 783,349 sh (+21.79%)
Mario Gabelli 5,030 sh (+0.60%)
First Eagle Investment Sold Out
Leon Cooperman Sold Out
Vanguard Health Care Fund 5,173,939 sh (-1.41%)
Jeremy Grantham 935,765 sh (-3.93%)
Louis Moore Bacon 25,000 sh (-26.71%)
Joel Greenblatt 3,696 sh (-37.86%)
HOTCHKIS & WILEY 1,008,722 sh (-40.17%)
» More
» Details

Insider Trades

Latest Guru Trades with HUM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Top Ranked Articles about Humana Inc

Weekly 52-Week Highs Highlight: HUM, EBAY, SYK, FRCPRD
According to GuruFocus list of 52-week highs, Humana Inc, eBay Inc, Stryker Corporation, and First Republic Bank have all reached their 52-week highs. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 21.54
HUM's P/E(ttm) is ranked higher than
65% of the 17 Companies
in the Global Health Care Plans industry.

( Industry Median: 25.00 vs. HUM: 21.54 )
Ranked among companies with meaningful P/E(ttm) only.
HUM' s 10-Year P/E(ttm) Range
Min: 4.25  Med: 10.92 Max: 34.62
Current: 21.54
4.25
34.62
Forward P/E 19.42
HUM's Forward P/E is ranked lower than
73% of the 15 Companies
in the Global Health Care Plans industry.

( Industry Median: 16.56 vs. HUM: 19.42 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.60
HUM's PE(NRI) is ranked higher than
65% of the 17 Companies
in the Global Health Care Plans industry.

( Industry Median: 25.00 vs. HUM: 21.60 )
Ranked among companies with meaningful PE(NRI) only.
HUM' s 10-Year PE(NRI) Range
Min: 4.26  Med: 10.92 Max: 34.62
Current: 21.6
4.26
34.62
P/B 2.67
HUM's P/B is ranked lower than
52% of the 27 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.67 vs. HUM: 2.67 )
Ranked among companies with meaningful P/B only.
HUM' s 10-Year P/B Range
Min: 0.71  Med: 1.78 Max: 3.82
Current: 2.67
0.71
3.82
P/S 0.53
HUM's P/S is ranked higher than
54% of the 28 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.60 vs. HUM: 0.53 )
Ranked among companies with meaningful P/S only.
HUM' s 10-Year P/S Range
Min: 0.11  Med: 0.38 Max: 0.66
Current: 0.53
0.11
0.66
PFCF 569.23
HUM's PFCF is ranked lower than
100% of the 20 Companies
in the Global Health Care Plans industry.

( Industry Median: 14.61 vs. HUM: 569.23 )
Ranked among companies with meaningful PFCF only.
HUM' s 10-Year PFCF Range
Min: 2.77  Med: 7.55 Max: 669.94
Current: 569.23
2.77
669.94
POCF 44.96
HUM's POCF is ranked lower than
95% of the 19 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.50 vs. HUM: 44.96 )
Ranked among companies with meaningful POCF only.
HUM' s 10-Year POCF Range
Min: 2.5  Med: 6.34 Max: 52.93
Current: 44.96
2.5
52.93
EV-to-EBIT 8.54
HUM's EV-to-EBIT is ranked higher than
85% of the 20 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.75 vs. HUM: 8.54 )
Ranked among companies with meaningful EV-to-EBIT only.
HUM' s 10-Year EV-to-EBIT Range
Min: -0.7  Med: 3.60 Max: 15.9
Current: 8.54
-0.7
15.9
PEG 2.60
HUM's PEG is ranked lower than
80% of the 15 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.89 vs. HUM: 2.60 )
Ranked among companies with meaningful PEG only.
HUM' s 10-Year PEG Range
Min: 0.16  Med: 0.58 Max: 4.35
Current: 2.6
0.16
4.35
Shiller P/E 22.60
HUM's Shiller P/E is ranked higher than
65% of the 17 Companies
in the Global Health Care Plans industry.

( Industry Median: 27.70 vs. HUM: 22.60 )
Ranked among companies with meaningful Shiller P/E only.
HUM' s 10-Year Shiller P/E Range
Min: 6.39  Med: 15.72 Max: 73.72
Current: 22.6
6.39
73.72
Days Sales Outstanding 14.91
HUM's Days Sales Outstanding is ranked higher than
82% of the 28 Companies
in the Global Health Care Plans industry.

( Industry Median: 24.16 vs. HUM: 14.91 )
Ranked among companies with meaningful Days Sales Outstanding only.
HUM' s 10-Year Days Sales Outstanding Range
Min: 6.84  Med: 10.19 Max: 18.31
Current: 14.91
6.84
18.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.61
HUM's Dividend Yield is ranked lower than
96% of the 24 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.39 vs. HUM: 0.61 )
Ranked among companies with meaningful Dividend Yield only.
HUM' s 10-Year Dividend Yield Range
Min: 0.3  Med: 0.96 Max: 1.61
Current: 0.61
0.3
1.61
Dividend Payout 0.13
HUM's Dividend Payout is ranked higher than
83% of the 12 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.21 vs. HUM: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
HUM' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.12 Max: 0.3
Current: 0.13
0.09
0.3
Dividend growth (3y) 14.00
HUM's Dividend growth (3y) is ranked lower than
88% of the 8 Companies
in the Global Health Care Plans industry.

( Industry Median: 29.10 vs. HUM: 14.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
HUM' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 14
Current: 14
0
14
Yield on cost (5-Year) 0.61
HUM's Yield on cost (5-Year) is ranked lower than
90% of the 29 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.94 vs. HUM: 0.61 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HUM' s 10-Year Yield on cost (5-Year) Range
Min: 0.3  Med: 0.96 Max: 1.61
Current: 0.61
0.3
1.61
Share Buyback Rate 2.40
HUM's Share Buyback Rate is ranked higher than
74% of the 23 Companies
in the Global Health Care Plans industry.

( Industry Median: -0.60 vs. HUM: 2.40 )
Ranked among companies with meaningful Share Buyback Rate only.
HUM' s 10-Year Share Buyback Rate Range
Min: 2.4  Med: -0.10 Max: -1.4
Current: 2.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.96
HUM's Price/Tangible Book is ranked higher than
62% of the 16 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.38 vs. HUM: 3.96 )
Ranked among companies with meaningful Price/Tangible Book only.
HUM' s 10-Year Price/Tangible Book Range
Min: 1.36  Med: 3.00 Max: 12.28
Current: 3.96
1.36
12.28
Price/Projected FCF 1.06
HUM's Price/Projected FCF is ranked higher than
52% of the 21 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.07 vs. HUM: 1.06 )
Ranked among companies with meaningful Price/Projected FCF only.
HUM' s 10-Year Price/Projected FCF Range
Min: 0.3  Med: 0.76 Max: 2.34
Current: 1.06
0.3
2.34
Price/DCF (Earnings Based) 0.92
HUM's Price/DCF (Earnings Based) is ranked higher than
78% of the 9 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.17 vs. HUM: 0.92 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.41
HUM's Price/Median PS Value is ranked lower than
93% of the 28 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.92 vs. HUM: 1.41 )
Ranked among companies with meaningful Price/Median PS Value only.
HUM' s 10-Year Price/Median PS Value Range
Min: 0.21  Med: 0.85 Max: 2.6
Current: 1.41
0.21
2.6
Price/Peter Lynch Fair Value 3.14
HUM's Price/Peter Lynch Fair Value is ranked lower than
92% of the 13 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.70 vs. HUM: 3.14 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HUM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.23  Med: 0.66 Max: 4.46
Current: 3.14
0.23
4.46
Price/Graham Number 1.91
HUM's Price/Graham Number is ranked higher than
82% of the 11 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.25 vs. HUM: 1.91 )
Ranked among companies with meaningful Price/Graham Number only.
HUM' s 10-Year Price/Graham Number Range
Min: 0.65  Med: 1.41 Max: 6.64
Current: 1.91
0.65
6.64
Earnings Yield (Greenblatt) (%) 11.73
HUM's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 29 Companies
in the Global Health Care Plans industry.

( Industry Median: 6.50 vs. HUM: 11.73 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HUM' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.3  Med: 27.75 Max: 3813.4
Current: 11.73
6.3
3813.4
Forward Rate of Return (Yacktman) (%) 10.72
HUM's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 17 Companies
in the Global Health Care Plans industry.

( Industry Median: 16.71 vs. HUM: 10.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HUM' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 2.3  Med: 27.90 Max: 51.4
Current: 10.72
2.3
51.4

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 54,576 59,243 65,787
EPS($) 7.90 9.36 10.56
EPS without NRI($) 7.90 9.36 10.56

Business Description

Industry: Health Care Plans » Health Care Plans
Compare:UNH, ESRX, WLP, AET, CI » details
Traded in other countries:HUM.Germany,
Humana Inc was organized as a Delaware corporation in 1964. The Company is a health care company that offers insurance products and health and wellness services. Its segments include Retail, Employer Group, and Healthcare Services. These segments are based on a combination of the type of health plan customer and adjacent businesses centered on integrated care delivery for its health plans and other customers. The Retail segment consists of Medicare and commercial fully-insured medical and specialty health insurance benefits, including dental, vision, and other supplemental health and financial protection products, marketed directly to individuals, and includes its contract with Centers for Medicare and Medicaid Services, or CMS, to administer the LI-NET prescription drug plan program, and contracts with various states to provide Medicaid, dual eligible, and Long-Term Support Services benefits, collectively its state-based contracts. The Employer Group segment consists of Medicare and commercial fully-insured medical and specialty health insurance benefits, including dental, vision, and other supplemental health and voluntary benefit products, as well as administrative services only products, or ASO, and its health and wellness products marketed to employer groups. The Healthcare Services segment includes services offered to its health plan members as well as to third parties, including pharmacy, provider services, home based services, integrated behavioral health services, and predictive modeling and informatics services. The Other Businesses category consists of its military services. Its TRICARE South Region contract, Puerto Rico Medicaid, and closed-block long-term care insurance policies. The Company's competitors vary by local market and include other managed care companies, national insurance companies, and other HMOs and PPOs, including HMOs and PPOs owned by Blue Cross/Blue Shield plans.
» More Articles for HUM

Headlines

Articles On GuruFocus.com
Centene Corp new partnership to grow earnings. Jul 16 2015 
Why you shouldn't buy Humana Jul 08 2015 
Weekly 52-Week Highs Highlight: HUM, EBAY, SYK, FRCPRD Jun 02 2015 
Hotchkis & Wiley Large Cap Value Fund Q1 2015 Commentary May 22 2015 
Humana Inc. Posts Mixed Set Of Numbers In Q1 Of FY2015 May 05 2015 
Humana And Concentra To Part Ways Mar 27 2015 
Humana Inc. Might Become The Acquisition Target In The Medicare Segment Mar 22 2015 
Undervalued Stocks in Steve Mandel's Portfolio Feb 18 2015 
Top 4 Undervalued stocks in Hotchkis & Wiley’s Portfolio Feb 16 2015 
UNH: A Strong Candidate for Income and Capital Appreciation Dec 12 2014 

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