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84.16 (1y: +7%)
Market Cap 13.17 B P/E(ttm) 9.10
Enterprise Value 16.07 B P/B 1.50
HUM- NYSE (USA)
Humana
  • Currently 3.5/5
Business Predictability Rank: 3.5-Star
Back Testing Results:
Average gain of all 3.5-Star stocks: 9.3% per year.
% of Stocks that are in still loss if held for 10yrs: 9%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$84.16
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 7/10

vs
industry		 vs
history
Cash to Debt 0.445
HUM's Cash to Debt is ranked lower than
53% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.60 vs. HUM: 0.445 )
HUM' s 10-Year Cash to Debt Range
Min: 0.45   Max: 1.11
Current: 0.45
0.45
1.11
Equity to Asset 0.443
HUM's Equity to Asset is ranked higher than
81% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.38 vs. HUM: 0.443 )
HUM' s 10-Year Equity to Asset Range
Min: 0.26   Max: 0.46
Current: 0.44
0.26
0.46
Interest Coverage 18.2
HUM's Interest Coverage is ranked higher than
81% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 7.60 vs. HUM: 18.2 )
HUM' s 10-Year Interest Coverage Range
Min: 12   Max: No Debt
Current: 18.2
F-Score: 2
Z-Score: 3.42
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 4.90
HUM's Operating margin (%) is ranked higher than
69% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.90 vs. HUM: 4.90 )
HUM' s 10-Year Operating margin (%) Range
Min: -3.7   Max: 6.1
Current: 4.9
-3.7
6.1
Net-margin (%) 3.1
HUM's Net-margin (%) is ranked higher than
78% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.50 vs. HUM: 3.1 )
HUM' s 10-Year Net-margin (%) Range
Min: -3.8   Max: 3.9
Current: 3.1
-3.8
3.9
ROE (%) 13.8
HUM's ROE (%) is ranked higher than
75% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.80 vs. HUM: 13.8 )
HUM' s 10-Year ROE (%) Range
Min: -30.1   Max: 20.7
Current: 13.8
-30.1
20.7
ROA (%) 6.1
HUM's ROA (%) is ranked higher than
87% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 3.00 vs. HUM: 6.1 )
HUM' s 10-Year ROA (%) Range
Min: -7.8   Max: 8
Current: 6.1
-7.8
8
ROC (Joel Greenblatt) (%) 1647.40
HUM's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.00 vs. HUM: 1647.40 )
HUM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 1647.4   Max: 1647.4
Current: 1647.4
Revenue Growth (%) 6.7
HUM's Revenue Growth (%) is ranked higher than
72% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 3.70 vs. HUM: 6.7 )
HUM' s 10-Year Revenue Growth (%) Range
Min: 2.7   Max: 18.3
Current: 6.7
2.7
18.3
EBITDA Growth (%) 5.6
HUM's EBITDA Growth (%) is ranked higher than
66% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 5.60 vs. HUM: 5.6 )
HUM' s 10-Year EBITDA Growth (%) Range
Min: 5.6   Max: 27.7
Current: 5.6
5.6
27.7
EPS Growth (%) 5
HUM's EPS Growth (%) is ranked higher than
78% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.00 vs. HUM: 5 )
HUM' s 10-Year EPS Growth (%) Range
Min: 5   Max: 30
Current: 5
5
30
ยป HUM's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

HUM Guru Trades in Q2 2012

David Einhorn 1,645,000 sh (New)
Daniel Loeb 475,000 sh (New)
Leon Cooperman 751,200 sh (New)
Ray Dalio 13,324 sh (+300.84%)
Steven Cohen 694,748 sh (+186.74%)
Jean-Marie Eveillard 1,897,291 sh (+66.18%)
Pioneer Investments 536,602 sh (+18.48%)
Joel Greenblatt 2,789 sh (+15.3%)
John Hussman 1,000,000 sh (unchged)
Vanguard Health Care Fund 6,210,094 sh (unchged)
Ken Fisher Sold Out
Chuck Royce Sold Out
George Soros Sold Out
Andreas Halvorsen Sold Out
Louis Moore Bacon Sold Out
Jim Simons 2,206,500 sh (-9.1%)
Paul Tudor Jones 6,400 sh (-18.99%)
Jeremy Grantham 92,600 sh (-19.97%)
» More
Q3 2012

HUM Guru Trades in Q3 2012

Andreas Halvorsen 1,644,500 sh (New)
Joel Greenblatt 20,179 sh (+623.52%)
Leon Cooperman 1,245,300 sh (+65.77%)
Steven Cohen 946,213 sh (+36.2%)
Jim Simons 2,519,200 sh (+14.17%)
Paul Tudor Jones 7,000 sh (+9.38%)
Vanguard Health Care Fund 6,510,094 sh (+4.83%)
Daniel Loeb Sold Out
John Hussman Sold Out
Pioneer Investments 523,620 sh (-2.42%)
Jeremy Grantham 70,800 sh (-23.54%)
David Einhorn 777,803 sh (-52.72%)
Ray Dalio 5,024 sh (-62.29%)
Jean-Marie Eveillard 549,832 sh (-71.02%)
» More
Q4 2012

HUM Guru Trades in Q4 2012

Larry Robbins 1,981,241 sh (New)
Ray Dalio 65,324 sh (+1200.24%)
Andreas Halvorsen 3,530,829 sh (+114.71%)
Paul Tudor Jones 13,400 sh (+91.43%)
Pioneer Investments 567,549 sh (+8.39%)
Leon Cooperman 1,296,300 sh (+4.1%)
Vanguard Health Care Fund 6,510,094 sh (unchged)
Jeremy Grantham 47,900 sh (unchged)
Jean-Marie Eveillard Sold Out
David Einhorn Sold Out
Joel Greenblatt Sold Out
Steven Cohen 726,895 sh (-23.18%)
Jim Simons 1,498,100 sh (-40.53%)
» More
Q1 2013

HUM Guru Trades in Q1 2013

HOTCHKIS & WILEY 706,700 sh (New)
Meridian Funds 55,000 sh (New)
Ray Dalio 227,324 sh (+247.99%)
Larry Robbins 3,970,205 sh (+100.39%)
Jeremy Grantham 77,400 sh (+61.59%)
Pioneer Investments 643,230 sh (+13.33%)
Vanguard Health Care Fund 7,097,094 sh (+9.02%)
Paul Tudor Jones 14,000 sh (+4.48%)
Larry Robbins 339,500 sh (unchged)
Andreas Halvorsen Sold Out
Leon Cooperman Sold Out
Jim Simons 122,000 sh (-91.86%)
Steven Cohen 22,799 sh (-96.86%)
» More
» Details

Insider Trades

Latest Guru Trades with HUM

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Leon Cooperman 2013-03-31 Sold Out 1.6%$66.01 - $81.52 $ 84.1618%0
Vanguard Health Care Fund 2013-03-31 Add 9.02%0.16%$66.01 - $81.52 $ 84.1618%7097094
Meridian Funds 2013-03-31 New Buy0.14%$66.01 - $81.52 $ 84.1618%55000
Ray Dalio 2013-03-31 Add 247.99%0.1%$66.01 - $81.52 $ 84.1618%227324
Jean-Marie Eveillard 2012-12-31 Sold Out 0.14%$64.39 - $76.2 $ 84.1620%0
Joel Greenblatt 2012-12-31 Sold Out 0.1%$64.39 - $76.2 $ 84.1620%0
Ray Dalio 2012-12-31 Add 1200.24%0.04%$64.39 - $76.2 $ 84.1620%65324
John Hussman 2012-09-30 Sold Out 1.5%$61.6 - $77.3 $ 84.1620%0
Daniel Loeb 2012-09-30 Sold Out 1.1%$61.6 - $77.3 $ 84.1620%0
Leon Cooperman 2012-09-30 Add 65.77%0.67%$61.6 - $77.3 $ 84.1620%1245300
Jean-Marie Eveillard 2012-09-30 Reduce -71.02%0.4%$61.6 - $77.3 $ 84.1620%549832
Joel Greenblatt 2012-09-30 Add 623.52%0.08%$61.6 - $77.3 $ 84.1620%20179
Ray Dalio 2012-09-30 Reduce -62.29%0.01%$61.6 - $77.3 $ 84.1620%5024
Leon Cooperman 2012-06-30 New Buy1.3%$74.22 - $92.05 $ 84.163%751200
Daniel Loeb 2012-06-30 New Buy1.1%$74.22 - $92.05 $ 84.163%475000
Jean-Marie Eveillard 2012-06-30 Add 66.18%0.23%$74.22 - $92.05 $ 84.163%1897291
George Soros 2012-06-30 Sold Out 0.05%$74.22 - $92.05 $ 84.163%0
Ray Dalio 2012-06-30 Add 300.84%0.01%$74.22 - $92.05 $ 84.163%13324
Premium More recent guru trades are included for Premium Members only!!
ยป Financial Charts

Peter Lynch Chart

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Ratios

vs
industry		 vs
history
P/E(ttm) 9.10
HUM's P/E(ttm) is ranked higher than
89% of the 27 Companies
in the Global Health Care Plans industry.

( Industry Median: 12.90 vs. HUM: 9.10 )
HUM' s 10-Year P/E(ttm) Range
Min: 4.26   Max: 35.42
Current: 9.1
4.26
35.42
P/B 1.50
HUM's P/B is ranked higher than
74% of the 31 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.61 vs. HUM: 1.50 )
HUM' s 10-Year P/B Range
Min: 0.63   Max: 3.87
Current: 1.5
0.63
3.87
P/S 0.35
HUM's P/S is ranked higher than
72% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.38 vs. HUM: 0.35 )
HUM' s 10-Year P/S Range
Min: 0.08   Max: 0.65
Current: 0.35
0.08
0.65
PFCF 9.00
HUM's PFCF is ranked higher than
83% of the 24 Companies
in the Global Health Care Plans industry.

( Industry Median: 11.10 vs. HUM: 9.00 )
HUM' s 10-Year PFCF Range
Min: 2.22   Max: 62.71
Current: 9
2.22
62.71
EV-to-EBIT 7.2
HUM's EV-to-EBIT is ranked higher than
89% of the 27 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.02 vs. HUM: 7.2 )
HUM' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 16.2
Current: 7.2
0.1
16.2
PEG 0.5
HUM's PEG is ranked higher than
87% of the 16 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.62 vs. HUM: 0.5 )
HUM' s 10-Year PEG Range
Min: 0.15   Max: 2.57
Current: 0.5
0.15
2.57
Shiller P/E 12
HUM's Shiller P/E is ranked lower than
100% of the Companies
in the Global Health Care Plans industry.

( Industry Median: vs. HUM: 12 )
HUM' s 10-Year Shiller P/E Range
Min: 6.36   Max: 73.72
Current: 12
6.36
73.72

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.24
HUM's Dividend Yield is ranked higher than
69% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.00 vs. HUM: 1.24 )
HUM' s 10-Year Dividend Yield Range
Min: 0.3   Max: 1.61
Current: 1.24
0.3
1.61
Dividend Payout 0.1165
HUM's Dividend Payout is ranked higher than
71% of the 14 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.20 vs. HUM: 0.1165 )
HUM' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.14
Current: 0.12
0.09
0.14
Yield on cost (5-Year) 1.20
HUM's Yield on cost (5-Year) is ranked higher than
59% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.10 vs. HUM: 1.20 )
HUM' s 10-Year Yield on cost (5-Year) Range
Min: 0.3   Max: 1.61
Current: 1.2
0.3
1.61
Share Buyback Rate 0.6
HUM's Share Buyback Rate is ranked higher than
75% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.00 vs. HUM: 0.6 )
HUM' s 10-Year Share Buyback Rate Range
Min: 0.7   Max: -1.1
Current: 0.6

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 27.1
HUM's Price/Net Current Asset Value is ranked lower than
91% of the 23 Companies
in the Global Health Care Plans industry.

( Industry Median: 15.00 vs. HUM: 27.1 )
HUM' s 10-Year Price/Net Current Asset Value Range
Min: 5.5   Max: 29.4
Current: 27.1
5.5
29.4
Price/Tangible Book 2.6
HUM's Price/Tangible Book is ranked higher than
59% of the 17 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.50 vs. HUM: 2.6 )
HUM' s 10-Year Price/Tangible Book Range
Min: 1.9   Max: 7.4
Current: 2.6
1.9
7.4
Price/DCF (Projected) 0.6
HUM's Price/DCF (Projected) is ranked higher than
82% of the 22 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.70 vs. HUM: 0.6 )
HUM' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1.9
Current: 0.6
0.4
1.9
Price/Median PS Value 1.2
HUM's Price/Median PS Value is ranked lower than
73% of the 30 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.90 vs. HUM: 1.2 )
HUM' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 2.2
Current: 1.2
0.5
2.2
Price/Peter Lynch Fair Value 0.6
HUM's Price/Peter Lynch Fair Value is ranked higher than
67% of the 15 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.60 vs. HUM: 0.6 )
HUM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 2.2
Current: 0.6
0.3
2.2
Price/Graham Number 1.1
HUM's Price/Graham Number is ranked higher than
87% of the 15 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.50 vs. HUM: 1.1 )
HUM' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 3.1
Current: 1.1
0.8
3.1
Earnings Yield (Greenblatt) 13.80
HUM's Earnings Yield (Greenblatt) is ranked higher than
91% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 8.50 vs. HUM: 13.80 )
HUM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.2   Max: 61724.9
Current: 13.8
6.2
61724.9
Forward Rate of Return (Yacktman) 23.93
HUM's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.26 vs. HUM: 23.93 )
HUM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 15.1   Max: 50.6
Current: 23.93
15.1
50.6

Business Description

Humana was organized in the state of Delaware in 1964. The Company is a full-service benefits solutions company, offering an array of health and supplemental benefit products for employer groups, government benefit programs and individuals. It is currently manages its business with three reportable segments: Retail, Employer Group, and Health and Well-Being Services. 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. 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 financial protection products, as well as administrative services only products marketed to employer groups. The Health and Well-Being Services segment includes services offered to its health plan members as well as to third parties that promote health and wellness, including primary care, pharmacy, integrated wellness, and home care services. The Other Businesses category consists of its Military services, primarily its TRICARE South Region contract, Medicaid, and closed-block long-term care businesses as well as its contract with CMS to administer the Limited Income Newly Eligible Transition program, or the LI-NET program. The company's Health and Well-Being Services intersegment revenues primarily relate to managing prescription drug coverage for members of its other segments through Humana Pharmacy Solutions, or HPS, and includes the operations of RightSourceRx, its mail order pharmacy business. provides members with access to health care services through its networks of health care providers with whom it has contracted, including hospitals and other independent facilities such as outpatient surgery centers, primary care physicians, specialist physicians, dentists, and providers of ancillary health care services and facilities. These ancillary services and facilities include ambulance services, medical equipment services, home health agencies, mental health providers, rehabilitation facilities, nursing homes, optical services, and pharmacies. At December 31, 2011, it employed approximately 2,000 sales representatives, as well as approximately 900 telemarketing representatives who assisted in the marketing of Medicare products in Retail segment by making appointments for sales representatives with prospective members. The company also markets its Medicare products via a strategic alliance with Wal-Mart Stores, Inc., or Wal-Mart. This alliance includes stationing Humana representatives in certain Wal-Mart stores, SAM'S CLUB locations, and Neighborhood Markets across the country providing an opportunity to enroll Medicare eligible individuals in person. The Company's pharmacy business is subjects to extensive federal, state and local regulation.
Company Website
SEC Reports
Industry: Health Care Plans
Compare:UNH, ESRX, WLP, AET, CI
Traded in other countries:HUM.Germany
ยป More Articles for HUM

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