Humana (STU:HUM) EBIT: €1,844 Mil (TTM As of Mar. 2026)


STU:HUM Humana Inc STU:HUM
88 GF Score
Price €334.00
GF Value €315.95
Valuation Fairly Valued
! 7 Warning Signs
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What is Humana EBIT?

Humana STU:HUM +1.21% 88 EBIT is €1,844 Mil as of Mar. 2026. GuruFocus rates STU:HUM with a GF Score™ of 88/100 and a GF Value™ of €315.95 (Fairly Valued). The stock has 7 warning signs investors should review.

Humana's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was €1,547 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was €1,844 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Humana's annualized ROC % for the quarter that ended in Mar. 2026 was 17.15%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Humana's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 3.80%.


Humana  (STU:HUM) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Humana's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=6186.48 * ( 1 - 24.76% )/( (25914.4165 + 28365.426)/ 2 )
=4654.707552/27139.92125
=17.15 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=41768.286 - 13655.46 - ( 3586.8 - 5% * 27767.81 )
=25914.4165

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=47817.2 - 16883.935 - ( 4282.615 - 5% * 34295.52 )
=28365.426

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Humana's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=1843.78/48578.666
=3.80 %

* 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 EBIT Related Terms


Humana EBIT Historical Data

* Premium members only.

The historical data trend for Humana's EBIT 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 EBIT Chart

Humana Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,256.80 3,746.74 3,554.29 2,273.86 1,866.84

Humana Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT 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 1,712.18 778.57 257.30 -738.71 1,546.62

STU:HUM vs CNC, CI, MOH: EBIT Comparison

For the Healthcare Plans subindustry, Humana's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, Humana's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Humana's EV-to-EBIT falls into.


STU:HUM
88GF Score
Humana Inc STU:HUM
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Humana EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,844 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of €1,844 Mil mean?
Humana (STU:HUM) has a EBIT of €1,844 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Humana.
Is Humana's EBIT too high?
Humana's current EBIT is €1,844 Mil. Overall, Humana has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Humana's EBIT compare to CNC and CI?
Humana's EBIT of €1,844 Mil 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 EBIT for a Healthcare Plans company?
A good EBIT depends on the Healthcare Plans industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Humana. Humana's current EBIT is €1,844 Mil. 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 (STU:HUM) is currently considered Fairly Valued. The stock's GF Value™ is €315.95, compared to a current price of €334.00 — trading 5.7% above its estimated fair value. The current EBIT is €1,844 Mil. Humana's overall GF Score™ is 88/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Humana (STU:HUM), the current EBIT is €1,844 Mil as of Mar. 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 (STU:HUM) Overvalued in 2026?

Based on GuruFocus' analysis, Humana stock appears to be overvalued. The current stock price of €334.00 is trading 5.7% above its estimated GF Value™ of €315.95. GuruFocus considers Humana to be Fairly Valued.

Key valuation signals for STU:HUM:

  • EBIT: €1,844 Mil
  • GF Value™: €315.95 vs. price of €334.00 (5.7% above fair value)
  • GF Score™: 88/100 with 7 warning signs

No single metric tells the full story. See the STU:HUM 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.
88GF Score

Get the complete analysis for STU:HUM

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€334.00
Price
€315.95
GF Value