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HumanaHUM -0.76%83 EV-to-OCF is 21.84 as of Sep. 09, 2026, which is 105% above its 10-year median of 10.63. GuruFocus rates HUM with a GF Score™ of 83/100 and a GF Value™ of $374.79 (Fairly Valued). The stock has 7 warning signs investors should review. Among 18 Healthcare Plans companies, Humana ranks worse than 83.33% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Humana's Enterprise Value is $55,453 Mil.
Humana's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $2,539 Mil. Therefore, Humana's EV-to-OCF for today is 21.84.
The historical rank and industry rank for Humana's EV-to-OCF or its related term are showing as below:
HUM'
s EV-to-OCF Range Over the Past 10 Years
Min: -118.6 Med: 10.63 Max: 45.32
Current: 21.84
During the past 13 years, the highest EV-to-OCF of Humana was 45.32. The lowest was -118.60. And the median was 10.63.
HUM's EV-to-OCF is ranked worse than 83.33% of 18
companies
in the Healthcare Plans industry
Industry Median: 13.515
vs HUM: 21.84
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-09-09), Humana's stock price is $400.02.
Humana's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $10.580. Therefore, Humana's PE Ratio (TTM) for today is 37.81.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Humana's share price for today is $400.02.
Humana's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $10.580.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Humana EV-to-OCF Related Terms
Humana EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Humana's EV-to-OCF 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.
For the Healthcare Plans subindustry, Humana's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Humana's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Humana's EV-to-OCF falls into.
Humana's current Enterprise Value is $55,453 Mil.
Humana's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2,539 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.
Humana (HUM) has a EV-to-OCF of 21.84 as of Sep. 09, 2026. This is 105% above median its historical median of 10.63. According to the industry distribution chart, Humana ranks #15 out of 18 companies in the Healthcare Plans industry, placing it in the top 83.3%.
Is Humana's EV-to-OCF too high?
Humana's current EV-to-OCF of 21.84 is 105% above median its 10-year median of 10.63. The Healthcare Plans industry median EV-to-OCF is 13.52. Humana's value of 21.84 is 61.6% above this industry median. Based on the distribution chart, Humana ranks #15 out of 18 companies in the Healthcare Plans industry, which is in the bottom quartile relative to peers. Overall, Humana has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Humana's EV-to-OCF compare to CNC and CI?
According to the Healthcare Plans industry distribution chart, Humana ranks #15 out of 18 companies for EV-to-OCF. This places Humana in the lower half of its industry. The industry median EV-to-OCF is 13.52. Humana's value of 21.84 is 61.6% above this benchmark. While the company's 10-year median is 10.63 vs. the industry median of 13.52, Humana has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Healthcare Plans company?
The median EV-to-OCF among Healthcare Plans companies is 13.52, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humana's current EV-to-OCF of 21.84 is 61.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Healthcare Plans industry, the median EV-to-OCF is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humana's current EV-to-OCF is 21.84, which is 105% above median its own 10-year median of 10.63. 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 (HUM) is currently considered Fairly Valued. The stock's GF Value™ is $374.79, compared to a current price of $400.02 — trading 6.7% above its estimated fair value. The current EV-to-OCF is 21.84, which is 105% above median its 10-year median of 10.63 and 61.6% above the Healthcare Plans industry median of 13.52. Humana's overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Humana (HUM), the current EV-to-OCF is 21.84 as of Sep. 09, 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 (HUM) Overvalued in 2026?
Based on GuruFocus' analysis, Humana stock appears to be overvalued.
The current stock price of $400.02 is trading 6.7% above its estimated GF Value™ of $374.79.
GuruFocus considers Humana to be Fairly Valued.
Key valuation signals for HUM:
EV-to-OCF: 21.84 (105% above median its 10-year median of 10.63)
GF Value™: $374.79 vs. price of $400.02 (6.7% above fair value)
Industry Position: 61.6% above the Healthcare Plans median (#15 of 18)
No single metric tells the full story. See the HUM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
83GF Score
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