Switch to:

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 0.55
HUM's Cash to Debt is ranked higher than
69% of the 29 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.55 vs. HUM: 0.55 )
HUM' s 10-Year Cash to Debt Range
Min: 0.26   Max: No Debt
Current: 0.55

Equity to Asset 0.43
HUM's Equity to Asset is ranked higher than
91% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.33 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
85% of the 27 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: 3.62
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
75% of the 32 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
75% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.08 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
81% of the 32 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
87% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.18 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
77% of the 31 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
61% of the 28 Companies
in the Global Health Care Plans industry.

( Industry Median: 13.50 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
71% of the 24 Companies
in the Global Health Care Plans industry.

( Industry Median: 8.20 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

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

Mario Gabelli 5,000 sh (New)
Jim Simons 146,900 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
Q2 2014

HUM Guru Trades in Q2 2014

Lee Ainslie 771,168 sh (New)
Stanley Druckenmiller 83,900 sh (New)
Paul Tudor Jones 8,191 sh (+63.82%)
Pioneer Investments 824,411 sh (+17.61%)
David Dreman 2,544 sh (+16.16%)
Jeremy Grantham 1,024,957 sh (+13.31%)
Mario Gabelli 5,000 sh (unchged)
Jim Simons Sold Out
HOTCHKIS & WILEY 3,391,273 sh (-0.73%)
Larry Robbins 5,016,176 sh (-2.26%)
Vanguard Health Care Fund 5,698,794 sh (-8.48%)
Joel Greenblatt 5,647 sh (-27.61%)
John Hussman 50,000 sh (-50%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Lee Ainslie 2014-06-30 New Buy1.4%$104.74 - $128.95 $ 123.194%771168
John Hussman 2014-06-30 Reduce -50%0.42%$104.74 - $128.95 $ 123.194%50000
Vanguard Health Care Fund 2014-06-30 Reduce -8.48%0.17%$104.74 - $128.95 $ 123.194%5698794
Joel Greenblatt 2014-06-30 Reduce -27.61%$104.74 - $128.95 $ 123.194%5647
Lee Ainslie 2014-03-31 Sold Out 1.1%$95.59 - $118.78 $ 123.1918%0
Vanguard Health Care Fund 2014-03-31 Reduce -6.24%0.13%$95.59 - $118.78 $ 123.1919%6226994
Joel Greenblatt 2014-03-31 Add 212.41%0.01%$95.59 - $118.78 $ 123.1918%7801
Mario Gabelli 2014-03-31 New Buy$95.59 - $118.78 $ 123.1918%5000
Lee Ainslie 2013-12-31 New Buy1.1%$91.21 - $105.25 $ 123.1926%833034
John Hussman 2013-12-31 New Buy0.74%$91.21 - $105.25 $ 123.1926%100000
Ray Dalio 2013-12-31 Sold Out 0.02%$91.21 - $105.25 $ 123.1926%0
David Dreman 2013-12-31 New Buy0.02%$91.21 - $105.25 $ 123.1926%2095
Ray Dalio 2013-09-30 Reduce -45.58%0.02%$82.93 - $99.6 $ 123.1934%29375
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.50
HUM's P/E(ttm) is ranked higher than
66% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 17.90 vs. HUM: 18.50 )
HUM' s 10-Year P/E(ttm) Range
Min: 4.25   Max: 34.62
Current: 18.5

4.25
34.62
P/B 1.90
HUM's P/B is ranked higher than
69% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.90 vs. HUM: 1.90 )
HUM' s 10-Year P/B Range
Min: 0.71   Max: 3.82
Current: 1.9

0.71
3.82
P/S 0.44
HUM's P/S is ranked higher than
74% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.51 vs. HUM: 0.44 )
HUM' s 10-Year P/S Range
Min: 0.11   Max: 0.65
Current: 0.44

0.11
0.65
PFCF 17.23
HUM's PFCF is ranked higher than
51% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 13.55 vs. HUM: 17.23 )
HUM' s 10-Year PFCF Range
Min: 2.77   Max: 118.69
Current: 17.23

2.77
118.69
EV-to-EBIT 10.86
HUM's EV-to-EBIT is ranked higher than
77% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 11.53 vs. HUM: 10.86 )
HUM' s 10-Year EV-to-EBIT Range
Min: 1.9   Max: 15.9
Current: 10.86

1.9
15.9
PEG 2.40
HUM's PEG is ranked higher than
60% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.30 vs. HUM: 2.40 )
HUM' s 10-Year PEG Range
Min: 0.15   Max: 2.53
Current: 2.4

0.15
2.53
Shiller P/E 16.26
HUM's Shiller P/E is ranked higher than
86% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 33.70 vs. HUM: 16.26 )
HUM' s 10-Year Shiller P/E Range
Min: 6.43   Max: 73.72
Current: 16.26

6.43
73.72

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.88
HUM's Dividend Yield is ranked lower than
81% of the 16 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.45 vs. HUM: 0.88 )
HUM' s 10-Year Dividend Yield Range
Min: 0.3   Max: 1.61
Current: 0.88

0.3
1.61
Dividend Payout 0.16
HUM's Dividend Payout is ranked higher than
91% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 9999.00 vs. HUM: 0.16 )
HUM' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.22
Current: 0.16

0.09
0.22
Yield on cost (5-Year) 0.90
HUM's Yield on cost (5-Year) is ranked lower than
79% of the 19 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.04 vs. HUM: 0.90 )
HUM' s 10-Year Yield on cost (5-Year) Range
Min: 0.3   Max: 1.61
Current: 0.9

0.3
1.61
Share Buyback Rate 2.10
HUM's Share Buyback Rate is ranked higher than
77% of the 26 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 3.35
HUM's Price/Tangible Book is ranked higher than
77% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 11.40 vs. HUM: 3.35 )
HUM' s 10-Year Price/Tangible Book Range
Min: 1.35   Max: 12.43
Current: 3.35

1.35
12.43
Price/DCF (Projected) 0.73
HUM's Price/DCF (Projected) is ranked higher than
89% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.00 vs. HUM: 0.73 )
HUM' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 1.84
Current: 0.73

0.29
1.84
Price/Median PS Value 1.29
HUM's Price/Median PS Value is ranked lower than
57% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.10 vs. HUM: 1.29 )
HUM' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 3.45
Current: 1.29

0.23
3.45
Price/Peter Lynch Fair Value 2.32
HUM's Price/Peter Lynch Fair Value is ranked higher than
71% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.40 vs. HUM: 2.32 )
HUM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.23   Max: 4.46
Current: 2.32

0.23
4.46
Price/Graham Number 1.64
HUM's Price/Graham Number is ranked higher than
86% of the 35 Companies
in the Global Health Care Plans industry.

( Industry Median: 9999.00 vs. HUM: 1.64 )
HUM' s 10-Year Price/Graham Number Range
Min: 0.65   Max: 7.09
Current: 1.64

0.65
7.09
Earnings Yield (Greenblatt) 9.20
HUM's Earnings Yield (Greenblatt) is ranked higher than
56% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 9.50 vs. HUM: 9.20 )
HUM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.3   Max: 52.8
Current: 9.2

6.3
52.8
Forward Rate of Return (Yacktman) 14.55
HUM's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 30 Companies
in the Global Health Care Plans industry.

( Industry Median: 14.55 vs. HUM: 14.55 )
HUM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.2   Max: 50.5
Current: 14.55

1.2
50.5

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

Headlines

Articles On GuruFocus.com
Larry Robbins (Glenview) Presentation From Ira Sohn - Three Long Ideas May 13 2014 
Maintain a Healthy Portfolio with Aetna Mar 24 2014 
3 Cheap Health Care Dividend Stocks with Huge Potential to Grow Dividends Oct 02 2013 
Investing in Healthcare in the ObamaCare Era Sep 25 2013 
Healthcare Plan Sector: Bumpy Ride for UAM Sep 22 2013 
Humana Inc: Fundamental Stock Research Analysis Aug 19 2013 
Meridian Funds' Top Five Second Quarter Increases Jul 30 2013 
Viking Global Investors Sells 28 Companies in First Quarter May 28 2013 
WellPoint (WLP) - A Comprehensive Value Analysis May 04 2013 
comment on HUM Apr 29 2013 


More From Other Websites
Humana Forms ACO with Health Choice to Boost Patient Care Aug 20 2014
Humana and Health Choice Utah Preferred Network Partner to Launch Accountable Care in Four Counties Aug 19 2014
[video] U.S. Markets End Lower on Ukraine Conflict Concerns Aug 07 2014
HUMANA INC Financials Aug 06 2014
HumanaVitality Launches Mobile App Allowing Members to Track Their Personal Health Journey On-The-Go Aug 05 2014
5 Affordable Care Act Stock Winners to Buy Now Aug 05 2014
US STOCKS-S&P 500 nearly flat as investors digest Fed statement Jul 30 2014
US STOCKS-S&P 500 nearly flat as investors digest Fed statement Jul 30 2014
Stocks Show Mild Pop On Fed Announcement Jul 30 2014
US STOCKS-S&P 500 turns higher after Fed statement Jul 30 2014
US STOCKS-S&P 500 turns higher after Fed statement Jul 30 2014
Stocks Stay Mixed Ahead Of Fed Statement; Twitter Cools Off Jul 30 2014
[video] Humana and WellPoint Slide After Reporting Lower Quarterly Profit Jul 30 2014
WellPoint, Humana Q2 Profit Down, Membership Up Jul 30 2014
Humana shares fall as U.S. health insurer cost worries grow Jul 30 2014
[$$] Benefit Costs Pare Humana's Profit Jul 30 2014
Humana (HUM) Q2 Earnings in Line with Estimates, Down Y/Y Jul 30 2014
Humana CFO says later Obamacare customers were younger, healthier Jul 30 2014
Humana Inc. Earnings Call scheduled for 9:30 am ET today Jul 30 2014
[video] Obamacare not affordable for many: Aetna CEO Jul 30 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide