Humana is one of the largest private health insurers in the US 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	0.45
Equity-to-Asset	0.32
Debt-to-Equity	0.82
Debt-to-EBITDA	3.1
Interest Coverage	6.16
Piotroski F-Score	3/9	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

8/10

	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	1.69
	Future 3-5Y Total Revenue Growth Rate	4.5

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	37.71
	9-Day RSI	41.53
	14-Day RSI	39.73
	6-1 Month Momentum %	-38.53
	12-1 Month Momentum %	-36.49

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.15
	Dividend Payout Ratio	0.17
	3-Year Dividend Growth Rate	12.3
	Forward Dividend Yield %	1.14
	5-Year Yield-on-Cost %	2.05
	3-Year Average Share Buyback Ratio	1.7
	Shareholder Yield %	5.54

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	1.82
	FCF Margin %	-2.97
	ROE %	12.03
	ROA %	3.77
	ROIC %	9.82
	Years of Profitability over Past 10-Year	10

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	19.39
	Forward PE Ratio	19.27
	PE Ratio without NRI	14.52
	Shiller PE Ratio	16.65
	PEG Ratio	1.37
	PS Ratio	0.35
	PB Ratio	2.33
	Price-to-Tangible-Book	5.71
	EV-to-EBIT	13.37
	EV-to-Forward-EBIT	15.4
	EV-to-EBITDA	10.43
	EV-to-Forward-EBITDA	12.1
	EV-to-Revenue	0.41
	EV-to-Forward-Revenue	0.4
	EV-to-FCF	-13.83
	Price-to-Projected-FCF	0.72
	Price-to-DCF (Earnings Based)	0.56
	Price-to-Median-PS-Value	0.53
	Price-to-Peter-Lynch-Fair-Value	2.34
	Price-to-Graham-Number	1.92
	Earnings Yield (Greenblatt) %	7.47
	FCF Yield %	-8.74
	Forward Rate of Return (Yacktman) %	14.01

GF Value: MXN10141.08

MEX:HUM

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