Humana (BSP:H1UM34) Cyclically Adjusted Book per Share: R$15.03 (As of Jun. 2026)

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BSP:H1UM34 Humana Inc BSP:H1UM34
77 GF Score
Price R$44.96
GF Value R$41.79
Valuation Fairly Valued
! 6 Warning Signs
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What is Humana Cyclically Adjusted Book per Share?

Humana BSP:H1UM34 +1.35% 77 Cyclically Adjusted Book per Share is R$15.03 as of Jun. 2026. GuruFocus rates BSP:H1UM34 with a GF Score™ of 77/100 and a GF Value™ of R$41.79 (Fairly Valued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Humana's adjusted book value per share for the three months ended in Jun. 2026 was R$18.219. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is R$15.03 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Humana's average Cyclically Adjusted Book Growth Rate was 8.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 10.30% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 11.10% per year. 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Humana was 19.20% per year. The lowest was -5.40% per year. And the median was 11.95% per year.

As of today (2026-08-17), Humana's current stock price is R$44.96. Humana's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was R$15.03. Humana's Cyclically Adjusted PB Ratio of today is 2.99.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Humana was 5.98. The lowest was 1.32. And the median was 4.58.


Humana  (BSP:H1UM34) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Humana's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=44.96/15.03
=2.99

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Humana was 5.98. The lowest was 1.32. And the median was 4.58.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Humana Cyclically Adjusted Book per Share Related Terms


Humana Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Humana's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Humana Cyclically Adjusted Book per Share Chart

Humana Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.96 11.59 11.63 16.07 15.67

Humana Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.49 14.36 15.67 14.85 15.03

BSP:H1UM34 vs CNC, CI, ELV: Cyclically Adjusted Book per Share Comparison

For the Healthcare Plans subindustry, Humana's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Humana Cyclically Adjusted PB Ratio vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, Humana's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Humana's Cyclically Adjusted PB Ratio falls into.


BSP:H1UM34
77GF Score
Humana Inc BSP:H1UM34
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Humana Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Humana's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=18.219/333.9520*333.9520
=18.219

Current CPI (Jun. 2026) = 333.9520.

Humana Quarterly Data

Book Value per Share CPI Adj_Book
201609 5.472 241.428 7.569
201612 5.334 241.432 7.378
201703 4.929 243.801 6.752
201706 5.550 244.955 7.566
201709 5.463 246.819 7.392
201712 5.234 246.524 7.090
201803 5.335 249.554 7.139
201806 6.211 251.989 8.231
201809 7.050 252.439 9.326
201812 6.468 251.233 8.598
201903 6.852 254.202 9.002
201906 7.530 256.143 9.817
201909 8.020 256.759 10.431
201912 8.311 256.974 10.801
202003 10.147 258.115 13.128
202006 12.564 257.797 16.275
202009 14.298 260.280 18.345
202012 12.180 260.474 15.616
202103 13.773 264.877 17.365
202106 12.907 271.696 15.864
202109 14.840 274.310 18.067
202112 15.688 278.802 18.791
202203 13.393 287.504 15.557
202206 13.730 296.311 15.474
202209 14.960 296.808 16.832
202212 14.281 296.797 16.069
202303 15.357 301.836 16.991
202306 14.654 305.109 16.039
202309 15.109 307.789 16.393
202312 14.487 306.746 15.772
202403 14.813 312.332 15.838
202406 16.573 314.175 17.616
202409 17.952 315.301 19.014
202412 18.402 315.605 19.472
202503 18.819 319.799 19.652
202506 18.684 322.561 19.344
202509 18.353 324.800 18.870
202512 17.752 324.054 18.294
202603 17.984 330.213 18.188
202606 18.219 333.952 18.219

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of R$15.03 mean?
Humana (BSP:H1UM34) has a Cyclically Adjusted Book per Share of R$15.03 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Humana and its competitors.
Is Humana's Cyclically Adjusted Book per Share too high?
Humana's current Cyclically Adjusted Book per Share is R$15.03. Overall, Humana has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Humana's Cyclically Adjusted Book per Share compare to CNC and CI?
Humana's Cyclically Adjusted Book per Share of R$15.03 can be compared against companies in the Healthcare Plans industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Healthcare Plans company?
A good Cyclically Adjusted Book per Share depends on the Healthcare Plans industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Humana and its competitors. Humana's current Cyclically Adjusted Book per Share is R$15.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Humana stock overvalued right now?
Based on GuruFocus' analysis, Humana (BSP:H1UM34) is currently considered Fairly Valued. The stock's GF Value™ is R$41.79, compared to a current price of R$44.96 — trading 7.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is R$15.03. Humana's overall GF Score™ is 77/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Humana (BSP:H1UM34), the current Cyclically Adjusted Book per Share is R$15.03 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Humana (BSP:H1UM34) Overvalued in 2026?

Based on GuruFocus' analysis, Humana stock appears to be overvalued. The current stock price of R$44.96 is trading 7.6% above its estimated GF Value™ of R$41.79. GuruFocus considers Humana to be Fairly Valued.

Key valuation signals for BSP:H1UM34:

  • Cyclically Adjusted Book per Share: R$15.03
  • GF Value™: R$41.79 vs. price of R$44.96 (7.6% above fair value)
  • GF Score™: 77/100 with 6 warning signs

No single metric tells the full story. See the BSP:H1UM34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Humana Business Description

Address 101 East Main Street, Louisville, KY, USA, 40202
Humana is one of the largest private health insurers in the US, and the firm has built a niche specializing in government-sponsored programs, with nearly all its medical membership stemming from Medicare, Medicaid, and the military's Tricare program. Beyond medical insurance, the company provides other healthcare services, including primary-care services, at-home services, and pharmacy benefit management.
77GF Score

Get the complete analysis for BSP:H1UM34

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$44.96
Price
R$41.79
GF Value