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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 : 8/10

vs
industry
vs
history
Cash to Debt 0.58
HUM's Cash to Debt is ranked higher than
70% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.56 vs. HUM: 0.58 )
HUM' s 10-Year Cash to Debt Range
Min: 0.26   Max: No Debt
Current: 0.58

Equity to Asset 0.43
HUM's Equity to Asset is ranked higher than
85% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.38 vs. HUM: 0.43 )
HUM' s 10-Year Equity to Asset Range
Min: 0.25   Max: 0.55
Current: 0.43

0.25
0.55
Interest Coverage 13.72
HUM's Interest Coverage is ranked higher than
86% of the 28 Companies
in the Global Health Care Plans industry.

( Industry Median: 8.28 vs. HUM: 13.72 )
HUM' s 10-Year Interest Coverage Range
Min: 4.98   Max: 20.5
Current: 13.72

4.98
20.5
F-Score: 6
Z-Score: 3.68
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 : 8/10

vs
industry
vs
history
Operating margin (%) 4.65
HUM's Operating margin (%) is ranked higher than
76% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.65 vs. HUM: 4.65 )
HUM' s 10-Year Operating margin (%) Range
Min: -3.64   Max: 6.07
Current: 4.65

-3.64
6.07
Net-margin (%) 2.98
HUM's Net-margin (%) is ranked higher than
73% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.98 vs. HUM: 2.98 )
HUM' s 10-Year Net-margin (%) Range
Min: -3.74   Max: 4.04
Current: 2.98

-3.74
4.04
ROE (%) 13.21
HUM's ROE (%) is ranked higher than
82% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.83 vs. HUM: 13.21 )
HUM' s 10-Year ROE (%) Range
Min: -30.16   Max: 20.69
Current: 13.21

-30.16
20.69
ROA (%) 5.94
HUM's ROA (%) is ranked higher than
88% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.33 vs. HUM: 5.94 )
HUM' s 10-Year ROA (%) Range
Min: -7.72   Max: 8.01
Current: 5.94

-7.72
8.01
ROC (Joel Greenblatt) (%) 157.72
HUM's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 134.04 vs. HUM: 157.72 )
HUM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -88.86   Max: 245.07
Current: 157.72

-88.86
245.07
Revenue Growth (%) 9.50
HUM's Revenue Growth (%) is ranked higher than
62% of the 29 Companies
in the Global Health Care Plans industry.

( Industry Median: 13.70 vs. HUM: 9.50 )
HUM' s 10-Year Revenue Growth (%) Range
Min: 1.1   Max: 27.3
Current: 9.5

1.1
27.3
EBITDA Growth (%) 7.80
HUM's EBITDA Growth (%) is ranked higher than
72% of the 25 Companies
in the Global Health Care Plans industry.

( Industry Median: 7.80 vs. HUM: 7.80 )
HUM' s 10-Year EBITDA Growth (%) Range
Min: -18.1   Max: 40.2
Current: 7.8

-18.1
40.2
EPS Growth (%) 6.10
HUM's EPS Growth (%) is ranked higher than
68% of the 25 Companies
in the Global Health Care Plans industry.

( Industry Median: 7.00 vs. HUM: 6.10 )
HUM' s 10-Year EPS Growth (%) Range
Min: -19.9   Max: 41.9
Current: 6.1

-19.9
41.9
» HUM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

HUM Guru Trades in Q2 2013

Joel Greenblatt 2,609 sh (New)
Andreas Halvorsen 1,007,600 sh (New)
Paul Tudor Jones 104,100 sh (+643.57%)
HOTCHKIS & WILEY 1,574,100 sh (+122.74%)
Meridian Funds 118,300 sh (+115.09%)
Jeremy Grantham 134,539 sh (+73.82%)
Larry Robbins 4,623,102 sh (+16.44%)
Pioneer Investments 739,898 sh (+15.03%)
Vanguard Health Care Fund 7,097,094 sh (unchged)
Jim Simons Sold Out
Steven Cohen 6,365 sh (-72.08%)
Ray Dalio 53,975 sh (-76.26%)
» More
Q3 2013

HUM Guru Trades in Q3 2013

Ken Heebner 35,000 sh (New)
Steven Cohen 72,949 sh (+1046.1%)
HOTCHKIS & WILEY 2,905,421 sh (+84.58%)
Andreas Halvorsen 1,198,054 sh (+18.9%)
Jeremy Grantham 140,104 sh (+4.14%)
Joel Greenblatt 2,638 sh (+1.11%)
Paul Tudor Jones Sold Out
Vanguard Health Care Fund 6,966,994 sh (-1.83%)
Pioneer Investments 611,023 sh (-17.42%)
Larry Robbins 3,690,499 sh (-20.17%)
Ray Dalio 29,375 sh (-45.58%)
» More
Q4 2013

HUM Guru Trades in Q4 2013

John Hussman 100,000 sh (New)
David Dreman 2,095 sh (New)
Lee Ainslie 833,034 sh (New)
Paul Tudor Jones 4,300 sh (New)
Jeremy Grantham 172,284 sh (+22.97%)
Pioneer Investments 743,975 sh (+21.76%)
Ken Heebner Sold Out
Ray Dalio Sold Out
HOTCHKIS & WILEY 2,819,800 sh (-2.95%)
Vanguard Health Care Fund 6,641,294 sh (-4.67%)
Joel Greenblatt 2,497 sh (-5.34%)
Larry Robbins 3,340,499 sh (-9.48%)
Andreas Halvorsen 927,093 sh (-22.62%)
Steven Cohen 27,585 sh (-62.19%)
» More
Q1 2014

HUM Guru Trades in Q1 2014

Jim Simons 146,900 sh (New)
Mario Gabelli 5,000 sh (New)
Jeremy Grantham 904,557 sh (+425.04%)
Joel Greenblatt 7,801 sh (+212.41%)
Larry Robbins 5,132,182 sh (+53.64%)
HOTCHKIS & WILEY 3,416,112 sh (+21.15%)
Paul Tudor Jones 5,000 sh (+16.28%)
David Dreman 2,190 sh (+4.53%)
John Hussman 100,000 sh (unchged)
Andreas Halvorsen Sold Out
Lee Ainslie Sold Out
Pioneer Investments 700,981 sh (-5.78%)
Vanguard Health Care Fund 6,226,994 sh (-6.24%)
Steven Cohen 24,443 sh (-11.39%)
» More
» Details

Insider Trades

Latest Guru Trades with HUM

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Lee Ainslie 2014-03-31 Sold Out 1.1%$95.59 - $118.78 $ 132.928%0
Vanguard Health Care Fund 2014-03-31 Reduce -6.24%0.13%$95.59 - $118.78 $ 132.928%6226994
Joel Greenblatt 2014-03-31 Add 212.41%0.01%$95.59 - $118.78 $ 132.928%7801
Mario Gabelli 2014-03-31 New Buy$95.59 - $118.78 $ 132.928%5000
Lee Ainslie 2013-12-31 New Buy1.1%$91.21 - $105.25 $ 132.936%833034
John Hussman 2013-12-31 New Buy0.74%$91.21 - $105.25 $ 132.936%100000
David Dreman 2013-12-31 New Buy0.02%$91.21 - $105.25 $ 132.936%2095
Ray Dalio 2013-12-31 Sold Out 0.02%$91.21 - $105.25 $ 132.936%0
Ray Dalio 2013-09-30 Reduce -45.58%0.02%$82.93 - $99.6 $ 132.945%29375
Meridian Funds 2013-06-30 Add 115.09%0.2%$72.1 - $85.17 $ 132.968%118300
Ray Dalio 2013-06-30 Reduce -76.26%0.11%$72.1 - $85.17 $ 132.968%53975
Joel Greenblatt 2013-06-30 New Buy0.01%$72.1 - $85.17 $ 132.968%2609
Leon Cooperman 2013-03-31 Sold Out 1.6%$66.01 - $81.52 $ 132.986%0
Vanguard Health Care Fund 2013-03-31 Add 9.02%0.16%$66.01 - $81.52 $ 132.986%7097094
Meridian Funds 2013-03-31 New Buy0.14%$66.01 - $81.52 $ 132.986%55000
Ray Dalio 2013-03-31 Add 247.99%0.1%$66.01 - $81.52 $ 132.986%227324
Jean-Marie Eveillard 2012-12-31 Sold Out 0.14%$64.39 - $76.2 $ 132.989%0
Joel Greenblatt 2012-12-31 Sold Out 0.1%$64.39 - $76.2 $ 132.989%0
Ray Dalio 2012-12-31 Add 1200.24%0.04%$64.39 - $76.2 $ 132.989%65324
John Hussman 2012-09-30 Sold Out 1.5%$61.6 - $77.3 $ 132.989%0
Daniel Loeb 2012-09-30 Sold Out 1.1%$61.6 - $77.3 $ 132.989%0
Leon Cooperman 2012-09-30 Add 65.77%0.67%$61.6 - $77.3 $ 132.989%1245300
Jean-Marie Eveillard 2012-09-30 Reduce -71.02%0.4%$61.6 - $77.3 $ 132.989%549832
Joel Greenblatt 2012-09-30 Add 623.52%0.08%$61.6 - $77.3 $ 132.989%20179
Ray Dalio 2012-09-30 Reduce -62.29%0.01%$61.6 - $77.3 $ 132.989%5024
Leon Cooperman 2012-06-30 New Buy1.3%$74.22 - $92.05 $ 132.962%751200
Daniel Loeb 2012-06-30 New Buy1.1%$74.22 - $92.05 $ 132.962%475000
Jean-Marie Eveillard 2012-06-30 Add 66.18%0.23%$74.22 - $92.05 $ 132.962%1897291
George Soros 2012-06-30 Sold Out 0.05%$74.22 - $92.05 $ 132.962%0
Ray Dalio 2012-06-30 Add 300.84%0.01%$74.22 - $92.05 $ 132.962%13324
Jean-Marie Eveillard 2012-03-31 New Buy0.42%$85.15 - $95.5 $ 132.959%1141740
John Hussman 2012-03-31 Reduce -21.81%0.39%$85.15 - $95.5 $ 132.959%1000000
George Soros 2012-03-31 New Buy0.05%$85.15 - $95.5 $ 132.959%40000
Joel Greenblatt 2012-03-31 New Buy0.02%$85.15 - $95.5 $ 132.959%2419
Ray Dalio 2012-03-31 New Buy$85.15 - $95.5 $ 132.959%3324
John Hussman 2011-12-31 Reduce -26.91%0.54%$68.43 - $89.83 $ 132.961%1279000
George Soros 2011-12-31 Sold Out 0.1%$68.43 - $89.83 $ 132.961%0
George Soros 2011-09-30 Reduce -23.55%0.03%$65.65 - $83.55 $ 132.974%76600
Ray Dalio 2011-09-30 Sold Out 0.02%$65.65 - $83.55 $ 132.975%0
John Hussman 2011-06-30 Reduce -30%0.88%$69.35 - $82.55 $ 132.973%1750000
George Soros 2011-06-30 New Buy0.11%$69.35 - $82.55 $ 132.973%100200
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 18.30
HUM's P/E(ttm) is ranked higher than
72% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 18.70 vs. HUM: 18.30 )
HUM' s 10-Year P/E(ttm) Range
Min: 4.25   Max: 34.62
Current: 18.3

4.25
34.62
P/B 2.00
HUM's P/B is ranked higher than
67% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.11 vs. HUM: 2.00 )
HUM' s 10-Year P/B Range
Min: 0.71   Max: 3.82
Current: 2

0.71
3.82
P/S 0.50
HUM's P/S is ranked higher than
69% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.51 vs. HUM: 0.50 )
HUM' s 10-Year P/S Range
Min: 0.11   Max: 0.65
Current: 0.5

0.11
0.65
PFCF 13.60
HUM's PFCF is ranked higher than
75% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 13.89 vs. HUM: 13.60 )
HUM' s 10-Year PFCF Range
Min: 2.77   Max: 118.69
Current: 13.6

2.77
118.69
EV-to-EBIT 7.26
HUM's EV-to-EBIT is ranked higher than
92% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 12.18 vs. HUM: 7.26 )
HUM' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 15.9
Current: 7.26

0.1
15.9
PEG 2.30
HUM's PEG is ranked higher than
81% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.00 vs. HUM: 2.30 )
HUM' s 10-Year PEG Range
Min: 0.13   Max: 3.08
Current: 2.3

0.13
3.08
Shiller P/E 17.60
HUM's Shiller P/E is ranked higher than
92% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 41.07 vs. HUM: 17.60 )
HUM' s 10-Year Shiller P/E Range
Min: 6.43   Max: 73.72
Current: 17.6

6.43
73.72

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
HUM's Dividend Yield is ranked lower than
81% of the 16 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.41 vs. HUM: 0.90 )
HUM' s 10-Year Dividend Yield Range
Min: 0.3   Max: 1.61
Current: 0.9

0.3
1.61
Dividend Payout 0.15
HUM's Dividend Payout is ranked higher than
94% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 9999.00 vs. HUM: 0.15 )
HUM' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.22
Current: 0.15

0.09
0.22
Yield on cost (5-Year) 0.80
HUM's Yield on cost (5-Year) is ranked lower than
74% of the 19 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.04 vs. HUM: 0.80 )
HUM' s 10-Year Yield on cost (5-Year) Range
Min: 0.3   Max: 1.61
Current: 0.8

0.3
1.61
Share Buyback Rate 2.10
HUM's Share Buyback Rate is ranked higher than
78% of the 27 Companies
in the Global Health Care Plans industry.

( Industry Median: -0.30 vs. HUM: 2.10 )
HUM' s 10-Year Share Buyback Rate Range
Min: 2.1   Max: -1.4
Current: 2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.40
HUM's Price/Tangible Book is ranked higher than
78% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 12.96 vs. HUM: 3.40 )
HUM' s 10-Year Price/Tangible Book Range
Min: 1.35   Max: 12.43
Current: 3.4

1.35
12.43
Price/DCF (Projected) 0.80
HUM's Price/DCF (Projected) is ranked higher than
83% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.27 vs. HUM: 0.80 )
HUM' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 2.18
Current: 0.8

0.29
2.18
Price/Median PS Value 1.50
HUM's Price/Median PS Value is ranked higher than
58% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.15 vs. HUM: 1.50 )
HUM' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 3.45
Current: 1.5

0.23
3.45
Price/Peter Lynch Fair Value 1.90
HUM's Price/Peter Lynch Fair Value is ranked higher than
81% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.47 vs. HUM: 1.90 )
HUM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.23   Max: 4.46
Current: 1.9

0.23
4.46
Price/Graham Number 1.70
HUM's Price/Graham Number is ranked higher than
86% of the 36 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.25 vs. HUM: 1.70 )
HUM' s 10-Year Price/Graham Number Range
Min: 0.65   Max: 7.09
Current: 1.7

0.65
7.09
Earnings Yield (Greenblatt) 14.10
HUM's Earnings Yield (Greenblatt) is ranked higher than
91% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.40 vs. HUM: 14.10 )
HUM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.3   Max: 3813.4
Current: 14.1

6.3
3813.4
Forward Rate of Return (Yacktman) 15.56
HUM's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 28 Companies
in the Global Health Care Plans industry.

( Industry Median: 17.15 vs. HUM: 15.56 )
HUM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.8   Max: 51.4
Current: 15.56

0.8
51.4

Business Description

Industry: Health Care Plans » Health Care Plans
Compare:UNH, ESRX, WLP, AET, CI » details
Traded in other countries:HUM.Germany
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.
» More Articles for HUM

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