30 Year Financial Data of Humana Inc (HUM)

HUM- NYSE (USA) Also traded in: Brazil, Germany, Mexico, UK
Humana Inc Ordinary Shares

Currently 4/5

Business Predictability Rank: 4-Star
Back Testing Results:
Average gain of all 4-Star stocks: 9.8% per year.
% of Stocks that are in still loss if held for 10yrs: 8%.
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$435.28

1.34(0.31%) Volume: 1,921,734 4:04PM EDT

Avg Vol (1m): 1,000,704

5 Medium Warning Signs 4 Good Signs

Market Cap : 56.16 B	Enterprise Value : 58.46 B	PE Ratio : 17.21	PB Ratio : 4.09

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Also traded in: Brazil, Germany, Mexico, UK

Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	10.50	10.10	20.40
EBITDA Growth (%)	10.60	16.70	30.40
Operating Income Growth (%)	N/A	N/A	N/A
EPS without NRI Growth (%)	12.20	32.90	25.90
Free Cash Flow Growth (%)	12.80	61.40	4.10
Book Value Growth (%)	8.10	8.60	16.90

*12-month growth rate is calculated with the quarterly per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 6-year and 11-year annual numbers. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the growth rate you want.

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Humana Inc Operating data

Fiscal Period	Dec16	Jun16
Operating data	Annuals	Quarterly
Medical Loss Ratio %
Total Membership (K)

* All numbers are in millions except for per share data, ratios, and percentage data * All shares outstanding data and per share data are split adjusted * Empty lines (lines with only 0's) are hidden by default * Preliminary data is from the companies' press releases. 10-Q/K data is not available yet. Preliminary data is not used in the calculation of Ratios,Scores or Rankings * Financial Statement Template: Insurance * Cash Flow from Operations Template: Indirect Method * For latest financial page display change, please click GuruFocus 30-Y Financials Page Item Changes

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Fiscal Period	Trend	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	TTM	Dec19	Mar20	Jun20	Sep20	Dec20
Per Share Data	Annuals (USD $)View: $ % YOY																	Quarterly

Revenue per Share													369.32	411.21	481.63	580.06	580.05	122.21	142.57	143.46	150.72	143.30
EBITDA per Share													32.61	20.34	31.72	41.34	41.33	5.93	6.94	21.14	14.95	-1.70
EBIT per Share													29.28	16.48	27.45	36.71	36.70	4.88	5.85	20.01	13.74	-2.90
Earnings per Share (Diluted)													16.81	12.16	20.10	25.31	25.29	3.84	3.56	13.75	10.05	-2.07
EPS without NRI													16.81	12.16	20.10	25.31	25.29	3.84	3.56	13.75	10.05	-2.07
Owner Earnings per Share (TTM)													23.01	5.35	32.81	41.35	41.35	32.81	30.35	42.62	42.49	41.35
Free Cash Flow per Share													24.23	11.28	33.76	35.15	35.13	2.12	2.12	21.36	11.75	-0.10
Operating Cash Flow per Share													27.83	15.70	39.22	42.40	42.38	3.84	3.57	23.06	13.63	2.13
Cash per Share													29.36	17.28	30.69	36.26	36.26	30.69	45.79	54.15	60.34	36.26
Dividends per Share													1.89	2.00	2.20	2.50	2.50	0.55	0.63	0.63	0.63	0.63
Book Value per Share													71.49	74.95	91.12	106.53	106.53	91.12	93.45	108.97	119.15	106.53
Tangible Book per Share													46.01	44.40	60.04	69.47	69.47	60.04	56.85	72.56	82.92	69.47
Total Debt per Share													36.76	46.03	44.59	54.17	54.17	44.59	61.45	61.17	60.43	54.17
Month End Stock Price													248.07	286.48	366.52	410.27	435.28	366.52	314.02	387.75	413.89	410.27

Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	TTM	Dec19	Mar20	Jun20	Sep20	Dec20

ROE %													23.85	16.83	24.39	26.14	24.65	17.33	15.51	54.63	35.52	-7.43
ROE % Adjusted to Book Value													6.87	4.41	6.07	6.79	6.03	4.31	4.62	15.35	10.24	-1.93
ROA %													9.31	6.40	9.94	10.51	9.59	7.03	5.94	20.01	13.93	-2.98
Return-on-Tangible-Equity													36.35	27.25	38.81	39.88	37.43	26.57	24.50	85.45	52.11	-11.00
Return-on-Tangible-Asset													10.76	7.49	11.71	12.21	11.06	8.19	6.91	23.05	15.92	-3.43
ROIC %													18.19	11.58	15.89	17.26	19.75	14.82	12.25	42.76	29.82	-5.01
WACC %													5.62	9.53	8.32	5.64	6.23	8.32	5.90	6.07	5.93	5.64
Effective Interest Rate on Debt %													5.17	3.86	3.99	4.40	3.82	3.79	3.42	3.75	3.73	3.85

Net Margin %													4.55	2.96	4.17	4.36	4.36	3.14	2.50	9.58	6.67	-1.44
FCF Margin %													6.56	2.74	7.01	6.06	6.06	1.73	1.49	14.89	7.80	-0.07

Debt-to-Equity													0.51	0.61	0.49	0.51	0.51	0.49	0.66	0.56	0.51	0.51
Equity-to-Asset													0.36	0.40	0.41	0.39	0.39	0.41	0.36	0.38	0.41	0.39
Debt-to-Asset													0.19	0.25	0.20	0.20	0.20	0.20	0.24	0.21	0.21	0.20

Asset Turnover													2.05	2.16	2.38	2.41	2.20	0.56	0.59	0.52	0.52	0.52
Dividend Payout Ratio													0.11	0.16	0.11	0.10	0.10	0.14	0.18	0.05	0.06	--

Capex-to-Revenue													0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02

Income Statement	Annual (USD $) View: $%/share% YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	TTM	Dec19	Mar20	Jun20	Sep20	Dec20

Total Premiums Earned													52,380	54,941	62,948	74,186	74,186	15,809	18,362	18,556	18,904	18,364
Net Investment Income													405	514	501	1,154	1,154	150	149	77	714	214
Interest Income													--	--	--	--	--	--	--	--	--	--
Fees and Other Income													982	1,457	1,439	1,815	1,815	336	424	450	457	484
Revenue													53,767	56,912	64,888	77,155	77,155	16,295	18,935	19,083	20,075	19,062

Selling, General, & Admin. Expense													6,567	7,525	7,381	10,052	10,052	2,129	2,117	2,354	2,513	3,068
Net Policyholder Benefits/Claims													43,496	45,882	53,857	61,628	61,628	13,689	15,629	14,175	15,611	16,213
Policy Acquisition Expense													--	--	--	--	--	--	--	--	--	--
Interest Expense (Positive)													242	218	242	283	283	58	60	76	75	72
Other Expense													-558	1,224	-48	592	592	-174	412	-108	121	167
Total Expenses													49,747	54,849	61,432	72,555	72,555	15,702	18,218	16,497	18,320	19,520

Pre-Tax Income													4,020	2,063	3,456	4,600	4,600	593	717	2,586	1,755	-458
Tax Provision													-1,572	-391	-763	-1,307	-1,307	-79	-252	-783	-450	178
Tax Rate %													39.10	18.95	22.08	28.41	28.41	13.32	35.15	30.28	25.64	38.86
Net Income (Continuing Operations)													2,448	1,683	2,707	3,367	3,367	512	473	1,828	1,340	-274
Net Income (Discontinued Operations)													--	--	--	--	--	--	--	--	--	--
Other Income (Minority Interest)													--	--	--	--	--	--	--	--	--	--
Net Income													2,448	1,683	2,707	3,367	3,367	512	473	1,828	1,340	-274
Net Margin %													4.55	2.96	4.17	4.36	4.36	3.14	2.50	9.58	6.67	-1.44

Preferred Dividends													--	--	--	--	--	--	--	--	--	--
EPS (Basic)													16.94	12.24	20.20	25.47	25.46	3.87	3.58	13.83	10.12	-2.07
EPS (Diluted)													16.81	12.16	20.10	25.31	25.29	3.84	3.56	13.75	10.05	-2.07
Shares Outstanding (Diluted Average)													145.6	138.4	134.7	133.0	133.0	133.3	132.8	133.0	133.2	133.0

EBIT													4,262	2,281	3,698	4,883	4,883	651	777	2,662	1,830	-386
Depreciation, Depletion and Amortization													485	534	575	616	616	140	145	150	161	160
EBITDA													4,747	2,815	4,273	5,499	5,499	791	922	2,812	1,991	-226

Balance Sheet	Annuals (USD $)View: $%/share% YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	Latest Q.	Dec19	Mar20	Jun20	Sep20	Dec20

Fixed Maturity Investment													--	--	--	--	--	--	--	--	--	--
Equity Investments													2,745	411	406	1,212	1,212	406	393	389	1,105	1,212
Short-term investments													9,557	10,026	10,972	12,554	12,554	10,972	11,104	12,836	12,741	12,554
Net Loan													--	--	--	--	--	--	--	--	--	--
Cash and cash equivalents													4,042	2,343	4,054	4,673	4,673	4,054	6,054	7,163	7,985	4,673
Accounts Receivable													854	1,015	1,056	1,138	1,138	1,056	2,009	2,238	1,135	1,138
Notes Receivable													--	--	--	--	--	--	--	--	--	--
Other Current Receivables													--	--	--	--	--	--	--	--	--	--
Total Receivables													854	1,015	1,056	1,138	1,138	1,056	2,009	2,238	1,135	1,138
Deferred Policy Acquisition Costs													--	--	--	--	--	--	--	--	--	--
Property, Plant and Equipment													1,584	1,735	1,955	2,371	2,371	1,955	2,023	2,118	2,228	2,371
Intangible Assets													3,507	4,142	4,105	4,776	4,776	4,105	4,839	4,817	4,795	4,776
Goodwill													3,281	3,897	3,928	4,447	4,447	3,928	4,443	4,443	4,443	4,447
Other Assets for Insurance Companies													4,889	5,741	6,526	8,245	8,245	6,526	8,211	8,894	8,488	8,245
Total Assets													27,178	25,413	29,074	34,969	34,969	29,074	34,633	38,455	38,477	34,969

Unpaid Loss & Loss Reserve													--	--	--	--	--	--	--	--	--	--
Unearned Premiums													378	283	247	318	318	247	274	266	287	318
Future Policy Benefits													--	--	--	--	--	--	--	--	--	--
Policyholder Funds													--	--	--	--	--	--	--	--	--	--
Accounts Payable & Accrued Expense for Financial Companies													11,660	8,148	9,758	12,156	12,156	9,758	12,694	14,358	12,882	12,156
Short-Term Debt & Capital Lease Obligation													291	1,865	924	920	920	924	2,067	2,034	1,938	920
Current Deferred Revenue													--	--	--	--	--	--	--	--	--	--
Current Deferred Taxes Liabilities													--	--	--	--	--	--	--	--	--	--
DeferredTaxAndRevenue													--	--	--	--	--	--	--	--	--	--
Long-Term Debt & Capital Lease Obligation													4,770	4,375	4,967	6,060	6,060	4,967	6,057	6,058	6,059	6,060
Debt-to-Equity													0.51	0.61	0.49	0.51	0.51	0.49	0.66	0.56	0.51	0.51
NonCurrent Deferred Liabilities													--	--	--	--	--	--	--	--	--	--
Other Liabilities for Insurance Companies													237	581	1,141	1,787	1,787	1,141	1,186	1,323	1,543	1,787
Total Liabilities													17,336	15,252	17,037	21,241	21,241	17,037	22,278	24,039	22,709	21,241

Common Stock													33	33	33	33	33	33	33	33	33	33
Preferred Stock													--	--	--	--	--	--	--	--	--	--
Retained Earnings													13,670	15,072	17,483	20,517	20,517	17,483	17,871	19,616	20,872	20,517
Accumulated other comprehensive income (loss)													19	-159	156	391	391	156	48	317	370	391
Additional Paid-In Capital													2,445	2,535	2,820	2,705	2,705	2,820	2,857	2,898	2,940	2,705
Treasury Stock													-6,325	-7,320	-8,455	-9,918	-9,918	-8,455	-8,454	-8,448	-8,447	-9,918
Other Stockholders Equity													--	--	--	--	--	--	--	--	--	--
Total Stockholders Equity													9,842	10,161	12,037	13,728	13,728	12,037	12,355	14,416	15,768	13,728
Minority Interest													--	--	--	--	--	--	--	--	--	--
Total Equity													9,842	10,161	12,037	13,728	13,728	12,037	12,355	14,416	15,768	13,728
Equity-to-Asset													0.36	0.40	0.41	0.39	0.39	0.41	0.36	0.38	0.41	0.39

Cashflow Statement	Annuals (USD $)View: $%/share% YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	TTM	Dec19	Mar20	Jun20	Sep20	Dec20

Net Income From Continuing Operations													2,448	1,683	2,707	3,367	3,367	512	473	1,828	1,340	-274
Depreciation, Depletion and Amortization													485	534	575	616	616	140	145	150	161	160
Change In Receivables													426	-164	-32	-85	-85	-211	-953	-232	1,103	-3
Change In Inventory													--	--	--	--	--	--	--	--	--	--
Change In Prepaid Assets													--	--	--	--	--	--	--	--	--	--
Change In Payables And Accrued Expense													105	252	1,142	2,139	2,139	-216	1,086	890	228	-65
Change In Other Working Capital													157	-1,255	553	89	89	60	-240	402	-412	339
Change In Working Capital													688	-1,167	1,663	2,143	2,143	-367	-107	1,060	919	271
Deferred Tax													132	194	162	195	-3	--	-3	--	--	--
Stock Based Compensation													157	137	163	181	181	44	36	46	47	52
Asset Impairment Charge													--	--	--	--	--	--	--	--	--	--
Cash from Discontinued Operating Activities													--	--	--	--	--	--	--	--	--	--
Cash Flow from Others													141	792	14	-863	-665	183	-70	-17	-652	74
Cash Flow from Operations													4,051	2,173	5,284	5,639	5,639	512	474	3,067	1,815	283

Purchase Of Property, Plant, Equipment													-524	-612	-736	-964	-964	-230	-192	-226	-250	-296
Sale Of Property, Plant, Equipment													2	--	--	--	--	--	--	--	--	--
Purchase Of Business													-31	-2,254	--	-709	-709	--	-709	--	--	--
Sale Of Business													--	--	--	--	--	--	--	--	--	--
Purchase Of Investment													-6,265	-4,687	-6,361	-9,125	-9,125	-2,231	-2,459	-3,005	-1,766	-1,895
Sale Of Investment													3,879	4,466	5,819	7,733	7,733	1,660	2,150	1,579	1,868	2,136
Net Intangibles Purchase And Sale													--	--	--	--	--	--	--	--	--	--
Cash From Discontinued Investing Activities													--	--	--	--	--	--	--	--	--	--
Cash From Other Investing Activities													-2	--	--	--	--	--	--	--	--	--
Cash Flow from Investing													-2,941	-3,087	-1,278	-3,065	-3,065	-801	-1,210	-1,652	-148	-55

Issuance of Stock													--	--	--	--	--	--	--	--	--	--
Repurchase of Stock													-3,365	-1,090	-1,070	-1,820	-1,820	-60	-17	-8	-5	-1,790
Net Issuance of Preferred Stock													--	--	--	--	--	--	--	--	--	--
Issuance of Debt								1,008	79	1,733	298	--	1,779	1,515	1,041	2,478
Payments of Debt								-36	--	-569	-33	-91	-1,024	-350	-1,410	-1,400
Net Issuance of Debt													755	1,165	-369	1,078	1,078	-450	2,233	-39	-96	-1,020
Cash Flow for Dividends													-220	-265	-291	-323	-323	-75	-73	-83	-83	-84
Other Financing													1,885	-595	-565	-890	-890	-599	593	-176	-661	-646
Cash Flow from Financing													-945	-785	-2,295	-1,955	-1,955	-1,184	2,736	-306	-845	-3,540

Effect of Exchange Rate Changes													--	--	--	--	--	--	--	--	--	--
Net Change in Cash													165	-1,699	1,711	619	619	-1,473	2,000	1,109	822	-3,312
Capital Expenditure													-524	-612	-736	-964	-964	-230	-192	-226	-250	-296
Free Cash Flow													3,527	1,561	4,548	4,675	4,675	282	282	2,841	1,565	-13

Valuation Ratios	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	Current	Dec19	Mar20	Jun20	Sep20	Dec20


PE Ratio
PE Ratio without NRI
Price-to-Owner-Earnings
PB Ratio
Price-to-Tangible-Book
Price-to-Free-Cash-Flow
Price-to-Operating-Cash-Flow
PS Ratio
PEG Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt) %
Forward Rate of Return (Yacktman) %
Shiller PE Ratio
Dividend Yield %

Valuation and Quality	AnnualsView: $ % YOY																	Quarterly
Fiscal Period		Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	Current	Dec19	Mar20	Jun20	Sep20	Dec20


Market Cap
Enterprise Value
Month End Stock Price
Net Cash per Share
Net Current Asset Value
Net-Net Working Capital
Intrinsic Value: Projected FCF
Median PS Value
Peter Lynch Fair Value
Graham Number
Earnings Power Value (EPV)
Piotroski F-Score
Beneish M-Score
Scaled Net Operating Assets

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Humana Inc Operating data